Home > Florida Bank of Jacksonville > Income and Expense
Florida Bank of Jacksonville, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 4,358 |
| Total interest expense | $4,367,000 | 3,292 |
| Net interest income | $2,981,000 | 5,431 |
| Provision for loan and lease losses | $1,712,000 | 1,992 |
| Total noninterest income | $-125,000 | 8,189 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $33,000 | 6,862 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-158,000 | 8,154 |
| Total noninterest expense | $11,029,000 | 1,756 |
| Salaries and employee benefits | $1,869,000 | 4,679 |
| Premises and equipment expense | $918,000 | 2,827 |
| Additional noninterest expense | $8,242,000 | 802 |
| Pre-tax net operating income | $-9,885,000 | 7,986 |
| Securities gains (losses) | $82,000 | 1,277 |
| Applicable income taxes | $-1,143,000 | 7,754 |
| Income before extraordinary items | $-8,660,000 | 7,970 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-8,660,000 | 7,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 2,942 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $263,000 | 700 |
| Net operating income | $-8,732,160 | 8,003 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,486,000 | 4,425 |
| Total interest expense | $3,252,000 | 3,419 |
| Net interest income | $2,234,000 | 5,476 |
| Provision for loan and lease losses | $210,000 | 4,122 |
| Total noninterest income | $54,000 | 7,703 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $20,000 | 7,007 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $34,000 | 6,988 |
| Total noninterest expense | $3,380,000 | 3,868 |
| Salaries and employee benefits | $1,610,000 | 4,238 |
| Premises and equipment expense | $671,000 | 2,912 |
| Additional noninterest expense | $1,099,000 | 3,616 |
| Pre-tax net operating income | $-1,302,000 | 7,667 |
| Securities gains (losses) | $53,000 | 1,377 |
| Applicable income taxes | $-457,000 | 7,856 |
| Income before extraordinary items | $-792,000 | 7,399 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-792,000 | 7,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $145,000 | 669 |
| Net operating income | $-825,920 | 7,538 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,598,000 | 4,529 |
| Total interest expense | $2,157,000 | 3,555 |
| Net interest income | $1,441,000 | 5,576 |
| Provision for loan and lease losses | $135,000 | 3,809 |
| Total noninterest income | $45,000 | 7,589 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $13,000 | 7,054 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $32,000 | 6,701 |
| Total noninterest expense | $2,443,000 | 3,632 |
| Salaries and employee benefits | $1,245,000 | 3,848 |
| Premises and equipment expense | $418,000 | 3,091 |
| Additional noninterest expense | $780,000 | 3,426 |
| Pre-tax net operating income | $-1,092,000 | 7,955 |
| Securities gains (losses) | $32,000 | 1,744 |
| Applicable income taxes | $-389,000 | 8,125 |
| Income before extraordinary items | $-671,000 | 7,814 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-671,000 | 7,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 545 |
| Net operating income | $-691,480 | 7,808 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,876,000 | 4,514 |
| Total interest expense | $1,130,000 | 3,603 |
| Net interest income | $746,000 | 5,497 |
| Provision for loan and lease losses | $110,000 | 2,589 |
| Total noninterest income | $9,000 | 8,079 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $5,000 | 7,144 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 7,805 |
| Total noninterest expense | $1,328,000 | 3,415 |
| Salaries and employee benefits | $658,000 | 3,711 |
| Premises and equipment expense | $213,000 | 3,047 |
| Additional noninterest expense | $457,000 | 2,934 |
| Pre-tax net operating income | $-683,000 | 8,185 |
| Securities gains (losses) | $32,000 | 1,330 |
| Applicable income taxes | $-238,000 | 8,284 |
| Income before extraordinary items | $-413,000 | 8,088 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-413,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 679 |
| Net operating income | $-433,480 | 8,087 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,984,000 | 7,570 |
| Total interest expense | $1,216,000 | 6,848 |
| Net interest income | $768,000 | 8,015 |
| Provision for loan and lease losses | $25,000 | 6,187 |
| Total noninterest income | $9,000 | 8,311 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,000 | 7,464 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $8,000 | 8,113 |
| Total noninterest expense | $902,000 | 7,790 |
| Salaries and employee benefits | $341,000 | 8,191 |
| Premises and equipment expense | $176,000 | 6,974 |
| Additional noninterest expense | $385,000 | 7,113 |
| Pre-tax net operating income | $-150,000 | 7,605 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-54,000 | 7,941 |
| Income before extraordinary items | $-96,000 | 7,631 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-96,000 | 7,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,266 |
| Net operating income | $-96,000 | 7,608 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $502,000 | 8,381 |
| Total interest expense | $306,000 | 8,134 |
| Net interest income | $196,000 | 8,471 |
| Provision for loan and lease losses | $10,000 | 6,151 |
| Total noninterest income | $4,000 | 8,387 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,000 | 8,224 |
| Total noninterest expense | $214,000 | 8,493 |
| Salaries and employee benefits | $104,000 | 8,495 |
| Premises and equipment expense | $38,000 | 8,235 |
| Additional noninterest expense | $72,000 | 8,445 |
| Pre-tax net operating income | $-24,000 | 7,692 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-8,000 | 8,017 |
| Income before extraordinary items | $-16,000 | 7,717 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-16,000 | 7,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-16,000 | 7,694 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,298,000 | 4,946 |
| Total interest expense | $2,018,000 | 3,998 |
| Net interest income | $1,280,000 | 5,984 |
| Provision for loan and lease losses | $68,000 | 3,874 |
| Total noninterest income | $35,000 | 7,953 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,000 | 7,446 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $32,000 | 6,913 |
| Total noninterest expense | $1,627,000 | 4,761 |
| Salaries and employee benefits | $697,000 | 5,567 |
| Premises and equipment expense | $236,000 | 4,542 |
| Additional noninterest expense | $694,000 | 3,587 |
| Pre-tax net operating income | $-380,000 | 8,211 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-380,000 | 8,257 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-380,000 | 8,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,025 |
| Net operating income | $-380,000 | 8,246 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,641,000 | 4,955 |
| Total interest expense | $1,014,000 | 3,979 |
| Net interest income | $627,000 | 6,053 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $28,000 | 7,526 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,000 | 7,501 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $27,000 | 6,153 |
| Total noninterest expense | $738,000 | 5,067 |
| Salaries and employee benefits | $340,000 | 5,687 |
| Premises and equipment expense | $116,000 | 4,609 |
| Additional noninterest expense | $282,000 | 4,146 |
| Pre-tax net operating income | $-83,000 | 8,108 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-83,000 | 8,142 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-83,000 | 8,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-83,000 | 8,128 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,278,000 | 5,405 |
| Total interest expense | $2,961,000 | 4,343 |
| Net interest income | $2,317,000 | 6,210 |
| Provision for loan and lease losses | $195,000 | 3,582 |
| Total noninterest income | $101,000 | 7,725 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $7,000 | 7,474 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $94,000 | 6,427 |
| Total noninterest expense | $2,718,000 | 5,212 |
| Salaries and employee benefits | $1,531,000 | 5,124 |
| Premises and equipment expense | $438,000 | 4,648 |
| Additional noninterest expense | $749,000 | 5,438 |
| Pre-tax net operating income | $-495,000 | 8,260 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-495,000 | 8,293 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-495,000 | 8,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,222 |
| Net operating income | $-495,000 | 8,290 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,805,000 | 5,513 |
| Total interest expense | $2,100,000 | 4,409 |
| Net interest income | $1,705,000 | 6,307 |
| Provision for loan and lease losses | $154,000 | 3,359 |
| Total noninterest income | $53,000 | 8,119 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $6,000 | 7,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $47,000 | 7,016 |
| Total noninterest expense | $2,060,000 | 5,174 |
| Salaries and employee benefits | $1,215,000 | 4,928 |
| Premises and equipment expense | $317,000 | 4,749 |
| Additional noninterest expense | $528,000 | 5,610 |
| Pre-tax net operating income | $-456,000 | 8,426 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-456,000 | 8,454 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-456,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $2,103,000 | 302 |
| Net operating income | $-456,000 | 8,443 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,465,000 | 5,575 |
| Total interest expense | $1,354,000 | 4,367 |
| Net interest income | $1,111,000 | 6,406 |
| Provision for loan and lease losses | $102,000 | 3,281 |
| Total noninterest income | $33,000 | 8,211 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,109 |
| Total noninterest expense | $1,316,000 | 5,317 |
| Salaries and employee benefits | $764,000 | 5,137 |
| Premises and equipment expense | $190,000 | 5,092 |
| Additional noninterest expense | $362,000 | 5,511 |
| Pre-tax net operating income | $-274,000 | 8,457 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-274,000 | 8,480 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-274,000 | 8,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $2,101,000 | 208 |
| Net operating income | $-274,000 | 8,478 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,229,000 | 5,534 |
| Total interest expense | $706,000 | 4,159 |
| Net interest income | $523,000 | 6,567 |
| Provision for loan and lease losses | $63,000 | 2,743 |
| Total noninterest income | $18,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,000 | 7,643 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 6,929 |
| Total noninterest expense | $597,000 | 5,647 |
| Salaries and employee benefits | $339,000 | 5,537 |
| Premises and equipment expense | $96,000 | 5,080 |
| Additional noninterest expense | $162,000 | 5,824 |
| Pre-tax net operating income | $-119,000 | 8,463 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-119,000 | 8,479 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-119,000 | 8,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $2,100,000 | 108 |
| Net operating income | $-119,000 | 8,463 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,249,000 | 6,392 |
| Total interest expense | $1,764,000 | 4,796 |
| Net interest income | $1,485,000 | 7,309 |
| Provision for loan and lease losses | $278,000 | 2,988 |
| Total noninterest income | $31,000 | 8,543 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $6,000 | 7,647 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $25,000 | 8,001 |
| Total noninterest expense | $2,178,000 | 5,809 |
| Salaries and employee benefits | $1,230,000 | 5,717 |
| Premises and equipment expense | $342,000 | 5,354 |
| Additional noninterest expense | $606,000 | 6,026 |
| Pre-tax net operating income | $-940,000 | 8,623 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-938,000 | 8,653 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-938,000 | 8,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-940,000 | 8,637 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,221,000 | 6,619 |
| Total interest expense | $1,190,000 | 4,956 |
| Net interest income | $1,031,000 | 7,491 |
| Provision for loan and lease losses | $236,000 | 2,641 |
| Total noninterest income | $26,000 | 8,576 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,706 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,899 |
| Total noninterest expense | $1,649,000 | 5,747 |
| Salaries and employee benefits | $966,000 | 5,532 |
| Premises and equipment expense | $249,000 | 5,446 |
| Additional noninterest expense | $434,000 | 6,125 |
| Pre-tax net operating income | $-828,000 | 8,689 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-826,000 | 8,718 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-826,000 | 8,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-828,000 | 8,697 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,323,000 | 6,856 |
| Total interest expense | $694,000 | 5,180 |
| Net interest income | $629,000 | 7,683 |
| Provision for loan and lease losses | $173,000 | 2,424 |
| Total noninterest income | $24,000 | 8,489 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,000 | 7,707 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $21,000 | 7,597 |
| Total noninterest expense | $1,204,000 | 5,464 |
| Salaries and employee benefits | $745,000 | 5,050 |
| Premises and equipment expense | $161,000 | 5,506 |
| Additional noninterest expense | $298,000 | 6,019 |
| Pre-tax net operating income | $-724,000 | 8,736 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-722,000 | 8,760 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-722,000 | 8,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-724,000 | 8,738 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $582,000 | 7,170 |
| Total interest expense | $271,000 | 5,754 |
| Net interest income | $311,000 | 7,760 |
| Provision for loan and lease losses | $94,000 | 2,144 |
| Total noninterest income | $8,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $473,000 | 6,301 |
| Salaries and employee benefits | $244,000 | 6,449 |
| Premises and equipment expense | $52,000 | 6,674 |
| Additional noninterest expense | $177,000 | 5,469 |
| Pre-tax net operating income | $-248,000 | 8,756 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-248,000 | 8,780 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-248,000 | 8,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-248,000 | 8,762 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $801,000 | 8,569 |
| Total interest expense | $324,000 | 7,991 |
| Net interest income | $477,000 | 8,662 |
| Provision for loan and lease losses | $385,000 | 2,439 |
| Total noninterest income | $7,000 | 8,858 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $7,000 | 7,808 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $1,922,000 | 6,132 |
| Salaries and employee benefits | $933,000 | 6,494 |
| Premises and equipment expense | $240,000 | 6,303 |
| Additional noninterest expense | $749,000 | 5,315 |
| Pre-tax net operating income | $-1,823,000 | 8,886 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,821,000 | 8,906 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,821,000 | 8,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 102 |
| Net operating income | $-1,823,000 | 8,890 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $399,000 | 8,795 |
| Total interest expense | $162,000 | 8,450 |
| Net interest income | $237,000 | 8,860 |
| Provision for loan and lease losses | $260,000 | 2,516 |
| Total noninterest income | $27,000 | 8,730 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,000 | 7,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 7,845 |
| Total noninterest expense | $1,546,000 | 5,865 |
| Salaries and employee benefits | $726,000 | 6,351 |
| Premises and equipment expense | $210,000 | 5,843 |
| Additional noninterest expense | $610,000 | 5,000 |
| Pre-tax net operating income | $-1,542,000 | 8,951 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-1,542,000 | 8,963 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,542,000 | 8,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 77 |
| Net operating income | $-1,542,000 | 8,951 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $168,000 | 8,955 |
| Total interest expense | $58,000 | 8,820 |
| Net interest income | $110,000 | 8,969 |
| Provision for loan and lease losses | $163,000 | 2,577 |
| Total noninterest income | $3,000 | 8,988 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $1,135,000 | 5,615 |
| Salaries and employee benefits | $527,000 | 6,109 |
| Premises and equipment expense | $141,000 | 5,849 |
| Additional noninterest expense | $467,000 | 4,550 |
| Pre-tax net operating income | $-1,185,000 | 9,010 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-1,185,000 | 9,026 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,185,000 | 9,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 51 |
| Net operating income | $-1,185,000 | 9,012 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $44,000 | 9,057 |
| Total interest expense | $4,000 | 9,038 |
| Net interest income | $40,000 | 9,040 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $2,000 | 9,001 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $698,000 | 4,936 |
| Salaries and employee benefits | $311,000 | 5,630 |
| Premises and equipment expense | $62,000 | 6,230 |
| Additional noninterest expense | $325,000 | 3,511 |
| Pre-tax net operating income | $-716,000 | 9,066 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-716,000 | 9,080 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-716,000 | 9,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 30 |
| Net operating income | $-716,000 | 9,062 |
* 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.