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First Heritage Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$3,027,000	2,325
Total interest expense	$940,000	2,125
Net interest income	$2,087,000	2,394
Provision for loan and lease losses	$120,000	1,785
Total noninterest income	$123,000	5,263
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$70,000	4,409
Trading account gains and fees	$0	121
Additional Noninterest Income	$53,000	5,009
Total noninterest expense	$1,128,000	3,416
Salaries and employee benefits	$566,000	3,632
Premises and equipment expense	$170,000	3,240
Additional noninterest expense	$392,000	2,970
Pre-tax net operating income	$962,000	2,082
Securities gains (losses)	$0	2,934
Applicable income taxes	$236,000	2,279
Income before extraordinary items	$726,000	2,100
Extraordinary gains, net	$0	16
Net income	$726,000	2,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	1,081
Cash dividends	$1,254,000	542
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$726,000	2,026
2003-12-31 (YTD Data)		Rank
Total interest income	$12,730,000	2,256
Total interest expense	$4,393,000	2,031
Net interest income	$8,337,000	2,333
Provision for loan and lease losses	$420,000	2,478
Total noninterest income	$484,000	5,528
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$280,000	4,478
Trading account gains and fees	$0	160
Additional Noninterest Income	$204,000	5,241
Total noninterest expense	$4,072,000	3,665
Salaries and employee benefits	$2,221,000	3,597
Premises and equipment expense	$658,000	3,250
Additional noninterest expense	$1,193,000	3,740
Pre-tax net operating income	$4,329,000	1,862
Securities gains (losses)	$132,000	1,652
Applicable income taxes	$1,247,000	1,883
Income before extraordinary items	$3,214,000	1,923
Extraordinary gains, net	$0	54
Net income	$3,214,000	1,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$497,000	1,610
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,118,960	1,884
2003-09-30 (YTD Data)		Rank
Total interest income	$9,647,000	2,262
Total interest expense	$3,429,000	2,032
Net interest income	$6,218,000	2,350
Provision for loan and lease losses	$300,000	2,501
Total noninterest income	$369,000	5,513
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$212,000	4,456
Trading account gains and fees	$0	153
Additional Noninterest Income	$157,000	5,250
Total noninterest expense	$3,068,000	3,634
Salaries and employee benefits	$1,632,000	3,645
Premises and equipment expense	$499,000	3,224
Additional noninterest expense	$937,000	3,593
Pre-tax net operating income	$3,219,000	1,933
Securities gains (losses)	$114,000	1,635
Applicable income taxes	$952,000	1,929
Income before extraordinary items	$2,381,000	2,016
Extraordinary gains, net	$0	40
Net income	$2,381,000	2,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$474,000	1,216
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,300,060	1,960
2003-06-30 (YTD Data)		Rank
Total interest income	$6,537,000	2,236
Total interest expense	$2,420,000	1,983
Net interest income	$4,117,000	2,354
Provision for loan and lease losses	$180,000	2,675
Total noninterest income	$246,000	5,506
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$141,000	4,438
Trading account gains and fees	$0	150
Additional Noninterest Income	$105,000	5,250
Total noninterest expense	$2,060,000	3,603
Salaries and employee benefits	$1,094,000	3,623
Premises and equipment expense	$334,000	3,202
Additional noninterest expense	$632,000	3,558
Pre-tax net operating income	$2,123,000	1,937
Securities gains (losses)	$114,000	1,405
Applicable income taxes	$654,000	1,919
Income before extraordinary items	$1,583,000	2,005
Extraordinary gains, net	$0	30
Net income	$1,583,000	2,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,431
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,502,060	1,990
2003-03-31 (YTD Data)		Rank
Total interest income	$3,318,000	2,213
Total interest expense	$1,275,000	1,932
Net interest income	$2,043,000	2,378
Provision for loan and lease losses	$90,000	2,494
Total noninterest income	$131,000	5,233
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$69,000	4,419
Trading account gains and fees	$0	134
Additional Noninterest Income	$62,000	4,852
Total noninterest expense	$1,079,000	3,446
Salaries and employee benefits	$584,000	3,433
Premises and equipment expense	$172,000	3,124
Additional noninterest expense	$323,000	3,421
Pre-tax net operating income	$1,005,000	2,034
Securities gains (losses)	$113,000	931
Applicable income taxes	$336,000	1,894
Income before extraordinary items	$782,000	2,013
Extraordinary gains, net	$0	21
Net income	$782,000	2,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,019
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$702,900	2,072
2002-12-31 (YTD Data)		Rank
Total interest income	$14,757,000	2,080
Total interest expense	$6,252,000	1,829
Net interest income	$8,505,000	2,278
Provision for loan and lease losses	$480,000	2,438
Total noninterest income	$785,000	4,040
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$274,000	4,450
Trading account gains and fees	$0	153
Additional Noninterest Income	$511,000	3,244
Total noninterest expense	$4,462,000	3,247
Salaries and employee benefits	$2,201,000	3,457
Premises and equipment expense	$629,000	3,269
Additional noninterest expense	$1,632,000	2,759
Pre-tax net operating income	$4,348,000	1,858
Securities gains (losses)	$365,000	791
Applicable income taxes	$1,405,000	1,738
Income before extraordinary items	$3,308,000	1,810
Extraordinary gains, net	$0	70
Net income	$3,308,000	1,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,491
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,052,500	1,906
2001-12-31 (YTD Data)		Rank
Total interest income	$16,331,000	2,103
Total interest expense	$8,477,000	1,915
Net interest income	$7,854,000	2,283
Provision for loan and lease losses	$545,000	2,061
Total noninterest income	$568,000	4,732
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$205,000	5,105
Trading account gains and fees	$0	177
Additional Noninterest Income	$363,000	3,739
Total noninterest expense	$3,871,000	3,532
Salaries and employee benefits	$1,992,000	3,606
Premises and equipment expense	$513,000	3,787
Additional noninterest expense	$1,366,000	3,125
Pre-tax net operating income	$4,006,000	1,780
Securities gains (losses)	$95,000	1,787
Applicable income taxes	$1,199,000	1,813
Income before extraordinary items	$2,902,000	1,811
Extraordinary gains, net	$0	105
Net income	$2,902,000	1,813
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$454,000	1,663
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,834,550	1,787
2000-12-31 (YTD Data)		Rank
Total interest income	$15,601,000	2,260
Total interest expense	$8,647,000	1,996
Net interest income	$6,954,000	2,562
Provision for loan and lease losses	$400,000	2,269
Total noninterest income	$529,000	4,751
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$139,000	5,921
Trading account gains and fees	$0	180
Additional Noninterest Income	$390,000	3,412
Total noninterest expense	$3,529,000	3,677
Salaries and employee benefits	$1,720,000	3,916
Premises and equipment expense	$467,000	4,009
Additional noninterest expense	$1,342,000	3,092
Pre-tax net operating income	$3,554,000	2,054
Securities gains (losses)	$-16,000	8,617
Applicable income taxes	$1,028,000	2,076
Income before extraordinary items	$2,510,000	2,075
Extraordinary gains, net	$0	38
Net income	$2,510,000	2,075
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	3,278
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,521,360	2,067
1999-12-31 (YTD Data)		Rank
Total interest income	$13,049,000	2,507
Total interest expense	$7,019,000	2,118
Net interest income	$6,030,000	2,921
Provision for loan and lease losses	$485,000	1,812
Total noninterest income	$353,000	5,982
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$89,000	6,944
Trading account gains and fees	$0	173
Additional Noninterest Income	$264,000	4,319
Total noninterest expense	$2,970,000	4,246
Salaries and employee benefits	$1,376,000	4,654
Premises and equipment expense	$396,000	4,571
Additional noninterest expense	$1,198,000	3,429
Pre-tax net operating income	$2,928,000	2,468
Securities gains (losses)	$8,000	1,870
Applicable income taxes	$834,000	2,553
Income before extraordinary items	$2,102,000	2,466
Extraordinary gains, net	$0	35
Net income	$2,102,000	2,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,271
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$100,000	786
Net operating income	$2,096,240	2,436
1998-12-31 (YTD Data)		Rank
Total interest income	$10,372,000	3,119
Total interest expense	$5,794,000	2,614
Net interest income	$4,578,000	3,676
Provision for loan and lease losses	$240,000	3,065
Total noninterest income	$195,000	7,643
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$73,000	7,455
Trading account gains and fees	$0	224
Additional Noninterest Income	$122,000	6,168
Total noninterest expense	$2,237,000	5,153
Salaries and employee benefits	$1,045,000	5,602
Premises and equipment expense	$353,000	4,853
Additional noninterest expense	$839,000	4,525
Pre-tax net operating income	$2,296,000	2,994
Securities gains (losses)	$53,000	1,685
Applicable income taxes	$748,000	2,889
Income before extraordinary items	$1,601,000	3,089
Extraordinary gains, net	$0	32
Net income	$1,601,000	3,090
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,720
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,564,960	3,058
1997-12-31 (YTD Data)		Rank
Total interest income	$8,724,000	3,667
Total interest expense	$4,839,000	3,072
Net interest income	$3,885,000	4,348
Provision for loan and lease losses	$185,000	3,603
Total noninterest income	$105,000	9,314
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	7,935
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	8,993
Total noninterest expense	$1,829,000	6,014
Salaries and employee benefits	$855,000	6,514
Premises and equipment expense	$289,000	5,557
Additional noninterest expense	$685,000	5,304
Pre-tax net operating income	$1,976,000	3,573
Securities gains (losses)	$10,000	2,359
Applicable income taxes	$677,000	3,325
Income before extraordinary items	$1,309,000	3,773
Extraordinary gains, net	$0	44
Net income	$1,309,000	3,771
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,223
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,302,400	3,719
1996-12-31 (YTD Data)		Rank
Total interest income	$6,092,000	5,129
Total interest expense	$3,272,000	4,439
Net interest income	$2,820,000	5,700
Provision for loan and lease losses	$185,000	3,579
Total noninterest income	$48,000	10,886
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$42,000	9,055
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	11,162
Total noninterest expense	$1,503,000	7,101
Salaries and employee benefits	$611,000	8,061
Premises and equipment expense	$283,000	5,797
Additional noninterest expense	$609,000	6,305
Pre-tax net operating income	$1,180,000	5,183
Securities gains (losses)	$3,000	3,304
Applicable income taxes	$308,000	5,745
Income before extraordinary items	$875,000	4,964
Extraordinary gains, net	$0	53
Net income	$875,000	4,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$872,780	4,928
1995-12-31 (YTD Data)		Rank
Total interest income	$3,501,000	7,547
Total interest expense	$1,571,000	7,502
Net interest income	$1,930,000	7,463
Provision for loan and lease losses	$395,000	1,883
Total noninterest income	$35,000	11,581
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	10,011
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	11,205
Total noninterest expense	$1,377,000	7,655
Salaries and employee benefits	$532,000	8,835
Premises and equipment expense	$268,000	6,085
Additional noninterest expense	$577,000	6,678
Pre-tax net operating income	$193,000	10,506
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$0	11,151
Income before extraordinary items	$194,000	9,997
Extraordinary gains, net	$0	65
Net income	$194,000	10,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$193,000	9,979
1994-12-31 (YTD Data)		Rank
Total interest income	$666,000	12,245
Total interest expense	$140,000	12,462
Net interest income	$526,000	11,923
Provision for loan and lease losses	$130,000	3,886
Total noninterest income	$4,000	12,516
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	$2,000	12,485
Total noninterest expense	$879,000	9,868
Salaries and employee benefits	$468,000	9,681
Premises and equipment expense	$164,000	8,211
Additional noninterest expense	$247,000	10,560
Pre-tax net operating income	$-479,000	12,376
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$-479,000	12,346
Extraordinary gains, net	$0	249
Net income	$-479,000	12,344
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	$12,500,000	88
Net operating income	$-479,000	12,355

* 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.