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FloridaFirst Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$10,448,000	664
Total interest expense	$4,450,000	468
Net interest income	$5,998,000	818
Provision for loan and lease losses	$120,000	1,785
Total noninterest income	$1,745,000	796
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$1,745,000	531
Total noninterest expense	$5,703,000	708
Salaries and employee benefits	$3,304,000	648
Premises and equipment expense	$1,072,000	546
Additional noninterest expense	$1,327,000	936
Pre-tax net operating income	$1,920,000	1,108
Securities gains (losses)	$770,000	199
Applicable income taxes	$866,000	832
Income before extraordinary items	$1,824,000	892
Extraordinary gains, net	$0	16
Net income	$1,824,000	892
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	1,081
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,300,400	1,182
2003-12-31 (YTD Data)		Rank
Total interest income	$43,275,000	647
Total interest expense	$20,003,000	465
Net interest income	$23,272,000	820
Provision for loan and lease losses	$600,000	1,837
Total noninterest income	$6,495,000	921
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$6,495,000	621
Total noninterest expense	$23,138,000	709
Salaries and employee benefits	$12,756,000	666
Premises and equipment expense	$4,629,000	505
Additional noninterest expense	$5,753,000	889
Pre-tax net operating income	$6,029,000	1,368
Securities gains (losses)	$2,265,000	272
Applicable income taxes	$2,553,000	1,056
Income before extraordinary items	$5,741,000	1,118
Extraordinary gains, net	$0	54
Net income	$5,741,000	1,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$592,000	1,404
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$4,178,150	1,430
2003-09-30 (YTD Data)		Rank
Total interest income	$32,512,000	657
Total interest expense	$15,350,000	473
Net interest income	$17,162,000	853
Provision for loan and lease losses	$480,000	1,726
Total noninterest income	$5,053,000	920
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,053,000	635
Total noninterest expense	$17,255,000	730
Salaries and employee benefits	$9,515,000	689
Premises and equipment expense	$3,554,000	507
Additional noninterest expense	$4,186,000	921
Pre-tax net operating income	$4,480,000	1,437
Securities gains (losses)	$2,165,000	263
Applicable income taxes	$2,095,000	1,028
Income before extraordinary items	$4,550,000	1,103
Extraordinary gains, net	$0	40
Net income	$4,550,000	1,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$476,000	1,212
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$3,077,800	1,508
2003-06-30 (YTD Data)		Rank
Total interest income	$21,966,000	654
Total interest expense	$10,588,000	475
Net interest income	$11,378,000	855
Provision for loan and lease losses	$360,000	1,536
Total noninterest income	$3,387,000	910
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$3,387,000	621
Total noninterest expense	$11,299,000	733
Salaries and employee benefits	$6,169,000	706
Premises and equipment expense	$2,401,000	497
Additional noninterest expense	$2,729,000	928
Pre-tax net operating income	$3,106,000	1,379
Securities gains (losses)	$1,291,000	304
Applicable income taxes	$1,386,000	1,058
Income before extraordinary items	$3,011,000	1,118
Extraordinary gains, net	$0	30
Net income	$3,011,000	1,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	1,423
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$2,133,120	1,429
2003-03-31 (YTD Data)		Rank
Total interest income	$10,923,000	667
Total interest expense	$5,547,000	464
Net interest income	$5,376,000	909
Provision for loan and lease losses	$180,000	1,475
Total noninterest income	$1,519,000	959
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,519,000	655
Total noninterest expense	$5,259,000	775
Salaries and employee benefits	$2,710,000	797
Premises and equipment expense	$1,207,000	503
Additional noninterest expense	$1,342,000	924
Pre-tax net operating income	$1,456,000	1,465
Securities gains (losses)	$361,000	450
Applicable income taxes	$549,000	1,265
Income before extraordinary items	$1,268,000	1,303
Extraordinary gains, net	$0	21
Net income	$1,268,000	1,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$211,000	912
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,015,300	1,486
2002-12-31 (YTD Data)		Rank
Total interest income	$48,537,000	633
Total interest expense	$25,560,000	465
Net interest income	$22,977,000	842
Provision for loan and lease losses	$710,000	1,805
Total noninterest income	$6,313,000	864
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$6,313,000	589
Total noninterest expense	$22,344,000	724
Salaries and employee benefits	$12,180,000	671
Premises and equipment expense	$4,439,000	521
Additional noninterest expense	$5,725,000	875
Pre-tax net operating income	$6,236,000	1,343
Securities gains (losses)	$1,160,000	384
Applicable income taxes	$2,134,000	1,217
Income before extraordinary items	$5,262,000	1,187
Extraordinary gains, net	$0	70
Net income	$5,262,000	1,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$982,000	989
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,438,400	1,350
2001-12-31 (YTD Data)		Rank
Total interest income	$43,602,000	778
Total interest expense	$26,395,000	636
Net interest income	$17,207,000	1,045
Provision for loan and lease losses	$585,000	1,947
Total noninterest income	$4,172,000	1,143
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$4,172,000	751
Total noninterest expense	$14,399,000	1,027
Salaries and employee benefits	$8,657,000	863
Premises and equipment expense	$3,001,000	716
Additional noninterest expense	$2,741,000	1,681
Pre-tax net operating income	$6,395,000	1,170
Securities gains (losses)	$30,000	2,828
Applicable income taxes	$1,887,000	1,235
Income before extraordinary items	$4,538,000	1,201
Extraordinary gains, net	$0	105
Net income	$4,538,000	1,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$253,000	2,477
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$-9,000	9,447
Net operating income	$4,516,700	1,163
2000-12-31 (YTD Data)		Rank
Total interest income	$40,467,000	879
Total interest expense	$25,772,000	705
Net interest income	$14,695,000	1,196
Provision for loan and lease losses	$690,000	1,435
Total noninterest income	$3,236,000	1,262
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,236,000	822
Total noninterest expense	$11,778,000	1,183
Salaries and employee benefits	$6,916,000	1,015
Premises and equipment expense	$2,507,000	798
Additional noninterest expense	$2,355,000	1,871
Pre-tax net operating income	$5,463,000	1,358
Securities gains (losses)	$-2,000	7,578
Applicable income taxes	$1,898,000	1,220
Income before extraordinary items	$3,563,000	1,485
Extraordinary gains, net	$0	38
Net income	$3,563,000	1,485
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$256,000	2,026
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$10,000	897
Net operating income	$3,564,300	1,476
1999-12-31 (YTD Data)		Rank
Total interest income	$33,397,000	987
Total interest expense	$18,265,000	863
Net interest income	$15,132,000	1,166
Provision for loan and lease losses	$510,000	1,735
Total noninterest income	$2,180,000	1,739
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$2,180,000	1,086
Total noninterest expense	$11,725,000	1,181
Salaries and employee benefits	$6,359,000	1,078
Premises and equipment expense	$2,763,000	744
Additional noninterest expense	$2,603,000	1,713
Pre-tax net operating income	$5,077,000	1,487
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$1,751,000	1,392
Income before extraordinary items	$3,329,000	1,605
Extraordinary gains, net	$0	35
Net income	$3,329,000	1,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$233,000	2,176
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$1,000	1,024
Net operating income	$3,327,020	1,571
1998-12-31 (YTD Data)		Rank
Total interest income	$30,422,000	1,076
Total interest expense	$17,882,000	888
Net interest income	$12,540,000	1,354
Provision for loan and lease losses	$1,344,000	760
Total noninterest income	$5,152,000	913
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$5,152,000	628
Total noninterest expense	$13,629,000	986
Salaries and employee benefits	$8,484,000	783
Premises and equipment expense	$2,721,000	743
Additional noninterest expense	$2,424,000	1,756
Pre-tax net operating income	$2,719,000	2,591
Securities gains (losses)	$-25,000	10,315
Applicable income taxes	$923,000	2,450
Income before extraordinary items	$1,771,000	2,827
Extraordinary gains, net	$0	32
Net income	$1,771,000	2,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$240,000	2,170
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,787,500	2,727
1997-12-31 (YTD Data)		Rank
Total interest income	$33,718,000	1,014
Total interest expense	$20,263,000	822
Net interest income	$13,455,000	1,288
Provision for loan and lease losses	$171,000	3,847
Total noninterest income	$1,787,000	1,941
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,787,000	1,179
Total noninterest expense	$11,212,000	1,182
Salaries and employee benefits	$6,002,000	1,094
Premises and equipment expense	$2,680,000	759
Additional noninterest expense	$2,530,000	1,676
Pre-tax net operating income	$3,859,000	1,944
Securities gains (losses)	$-26,000	10,459
Applicable income taxes	$1,307,000	1,924
Income before extraordinary items	$2,526,000	2,092
Extraordinary gains, net	$0	44
Net income	$2,526,000	2,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,899
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,543,160	2,025
1996-12-31 (YTD Data)		Rank
Total interest income	$31,669,000	1,095
Total interest expense	$18,840,000	896
Net interest income	$12,829,000	1,397
Provision for loan and lease losses	$73,000	5,762
Total noninterest income	$1,795,000	2,012
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,795,000	1,244
Total noninterest expense	$13,505,000	1,098
Salaries and employee benefits	$5,421,000	1,232
Premises and equipment expense	$2,322,000	929
Additional noninterest expense	$5,762,000	1,013
Pre-tax net operating income	$1,046,000	5,576
Securities gains (losses)	$173,000	745
Applicable income taxes	$303,000	5,793
Income before extraordinary items	$916,000	4,809
Extraordinary gains, net	$0	53
Net income	$916,000	4,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	4,367
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$786,250	5,313
1995-12-31 (YTD Data)		Rank
Total interest income	$30,341,000	1,152
Total interest expense	$18,748,000	931
Net interest income	$11,593,000	1,551
Provision for loan and lease losses	$125,000	4,002
Total noninterest income	$1,474,000	2,308
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,474,000	1,385
Total noninterest expense	$10,303,000	1,376
Salaries and employee benefits	$4,886,000	1,362
Premises and equipment expense	$2,174,000	987
Additional noninterest expense	$3,243,000	1,582
Pre-tax net operating income	$2,639,000	2,697
Securities gains (losses)	$57,000	1,220
Applicable income taxes	$935,000	2,523
Income before extraordinary items	$1,761,000	2,799
Extraordinary gains, net	$0	65
Net income	$1,761,000	2,798
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	4,132
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$1,723,950	2,824
1994-12-31 (YTD Data)		Rank
Total interest income	$27,412,000	1,148
Total interest expense	$14,822,000	923
Net interest income	$12,590,000	1,431
Provision for loan and lease losses	$316,000	2,168
Total noninterest income	$1,229,000	2,693
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,229,000	1,604
Total noninterest expense	$9,705,000	1,518
Salaries and employee benefits	$4,580,000	1,472
Premises and equipment expense	$1,915,000	1,108
Additional noninterest expense	$3,210,000	1,706
Pre-tax net operating income	$3,798,000	1,873
Securities gains (losses)	$76,000	912
Applicable income taxes	$1,277,000	1,787
Income before extraordinary items	$2,597,000	1,879
Extraordinary gains, net	$0	249
Net income	$2,597,000	1,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$234,000	2,246
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,546,080	1,904
1993-12-31 (YTD Data)		Rank
Total interest income	$29,263,000	1,081
Total interest expense	$15,622,000	897
Net interest income	$13,641,000	1,323
Provision for loan and lease losses	$389,000	2,517
Total noninterest income	$1,412,000	2,561
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,412,000	1,626
Total noninterest expense	$9,082,000	1,664
Salaries and employee benefits	$4,211,000	1,597
Premises and equipment expense	$1,769,000	1,212
Additional noninterest expense	$3,102,000	1,865
Pre-tax net operating income	$5,582,000	1,241
Securities gains (losses)	$164,000	1,897
Applicable income taxes	$2,120,000	1,143
Income before extraordinary items	$3,626,000	1,406
Extraordinary gains, net	$0	3,149
Net income	$3,626,000	1,445
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	4,144
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,521,040	1,359
1992-12-31 (YTD Data)		Rank
Total interest income	$33,543,000	1,082
Total interest expense	$19,953,000	905
Net interest income	$13,590,000	1,366
Provision for loan and lease losses	$901,000	1,966
Total noninterest income	$1,571,000	2,309
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$60,000	306
Additional Noninterest Income	$1,511,000	1,514
Total noninterest expense	$8,596,000	1,768
Salaries and employee benefits	$3,917,000	1,696
Premises and equipment expense	$1,677,000	1,307
Additional noninterest expense	$3,002,000	1,996
Pre-tax net operating income	$5,664,000	1,146
Securities gains (losses)	$144,000	2,469
Applicable income taxes	$2,065,000	1,085
Income before extraordinary items	$3,743,000	1,250
Extraordinary gains, net	$0	1,422
Net income	$3,743,000	1,252
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	6,806
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,650,840	1,181

* 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.