Home > Freedom Bank of Georgia > Income and Expense
Freedom Bank of Georgia, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,042,000 | 4,119 |
| Total interest expense | $5,627,000 | 2,659 |
| Net interest income | $2,415,000 | 5,977 |
| Provision for loan and lease losses | $6,450,000 | 838 |
| Total noninterest income | $244,000 | 6,179 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $303,000 | 3,999 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-59,000 | 8,097 |
| Total noninterest expense | $4,736,000 | 3,723 |
| Salaries and employee benefits | $2,320,000 | 3,988 |
| Premises and equipment expense | $651,000 | 3,689 |
| Additional noninterest expense | $1,765,000 | 3,183 |
| Pre-tax net operating income | $-8,527,000 | 7,953 |
| Securities gains (losses) | $-423,000 | 7,494 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-8,950,000 | 7,979 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-8,950,000 | 7,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,468,000 | 905 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 1,091 |
| Net operating income | $-8,527,000 | 7,999 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,320,000 | 4,053 |
| Total interest expense | $4,251,000 | 2,749 |
| Net interest income | $2,069,000 | 5,690 |
| Provision for loan and lease losses | $3,940,000 | 770 |
| Total noninterest income | $443,000 | 4,607 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $223,000 | 4,059 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $220,000 | 4,241 |
| Total noninterest expense | $3,560,000 | 3,701 |
| Salaries and employee benefits | $1,795,000 | 3,936 |
| Premises and equipment expense | $484,000 | 3,719 |
| Additional noninterest expense | $1,281,000 | 3,200 |
| Pre-tax net operating income | $-4,988,000 | 8,128 |
| Securities gains (losses) | $-419,000 | 7,724 |
| Applicable income taxes | $-548,000 | 7,904 |
| Income before extraordinary items | $-4,859,000 | 8,118 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,859,000 | 8,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,923,000 | 846 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 973 |
| Net operating income | $-4,481,900 | 8,151 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,436,000 | 3,954 |
| Total interest expense | $2,922,000 | 2,769 |
| Net interest income | $1,514,000 | 5,444 |
| Provision for loan and lease losses | $2,940,000 | 616 |
| Total noninterest income | $334,000 | 4,392 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $146,000 | 4,093 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $188,000 | 3,881 |
| Total noninterest expense | $2,369,000 | 3,741 |
| Salaries and employee benefits | $1,223,000 | 3,906 |
| Premises and equipment expense | $320,000 | 3,767 |
| Additional noninterest expense | $826,000 | 3,272 |
| Pre-tax net operating income | $-3,461,000 | 8,248 |
| Securities gains (losses) | $36,000 | 1,670 |
| Applicable income taxes | $-1,289,000 | 8,293 |
| Income before extraordinary items | $-2,136,000 | 8,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,136,000 | 8,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,415,000 | 693 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 879 |
| Net operating income | $-2,159,040 | 8,220 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,412,000 | 3,804 |
| Total interest expense | $1,546,000 | 2,801 |
| Net interest income | $866,000 | 5,063 |
| Provision for loan and lease losses | $1,440,000 | 495 |
| Total noninterest income | $136,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $66,000 | 4,266 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $70,000 | 4,434 |
| Total noninterest expense | $1,142,000 | 3,848 |
| Salaries and employee benefits | $635,000 | 3,799 |
| Premises and equipment expense | $162,000 | 3,751 |
| Additional noninterest expense | $345,000 | 3,719 |
| Pre-tax net operating income | $-1,580,000 | 8,339 |
| Securities gains (losses) | $5,000 | 2,232 |
| Applicable income taxes | $-593,000 | 8,371 |
| Income before extraordinary items | $-982,000 | 8,302 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-982,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $523,000 | 686 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 758 |
| Net operating income | $-985,200 | 8,291 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,558,000 | 3,377 |
| Total interest expense | $6,481,000 | 2,819 |
| Net interest income | $5,077,000 | 3,955 |
| Provision for loan and lease losses | $596,000 | 2,070 |
| Total noninterest income | $368,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $185,000 | 5,053 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $183,000 | 5,239 |
| Total noninterest expense | $4,368,000 | 3,845 |
| Salaries and employee benefits | $2,438,000 | 3,798 |
| Premises and equipment expense | $624,000 | 3,728 |
| Additional noninterest expense | $1,306,000 | 3,834 |
| Pre-tax net operating income | $481,000 | 6,053 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $179,000 | 3,965 |
| Income before extraordinary items | $305,000 | 6,408 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $305,000 | 6,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 3,028 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 997 |
| Net operating income | $303,080 | 6,395 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,842,000 | 3,337 |
| Total interest expense | $4,851,000 | 2,820 |
| Net interest income | $3,991,000 | 3,830 |
| Provision for loan and lease losses | $224,000 | 2,839 |
| Total noninterest income | $258,000 | 5,847 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $122,000 | 5,309 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $136,000 | 5,268 |
| Total noninterest expense | $3,255,000 | 3,861 |
| Salaries and employee benefits | $1,817,000 | 3,805 |
| Premises and equipment expense | $481,000 | 3,651 |
| Additional noninterest expense | $957,000 | 3,833 |
| Pre-tax net operating income | $770,000 | 4,920 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $299,000 | 3,209 |
| Income before extraordinary items | $473,000 | 5,492 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $473,000 | 5,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,193 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 900 |
| Net operating income | $471,720 | 5,485 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,781,000 | 3,400 |
| Total interest expense | $3,172,000 | 2,864 |
| Net interest income | $2,609,000 | 3,901 |
| Provision for loan and lease losses | $149,000 | 2,687 |
| Total noninterest income | $153,000 | 6,094 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $75,000 | 5,454 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $78,000 | 5,568 |
| Total noninterest expense | $2,112,000 | 3,961 |
| Salaries and employee benefits | $1,177,000 | 3,912 |
| Premises and equipment expense | $315,000 | 3,719 |
| Additional noninterest expense | $620,000 | 3,927 |
| Pre-tax net operating income | $501,000 | 5,030 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $192,000 | 3,326 |
| Income before extraordinary items | $309,000 | 5,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $309,000 | 5,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,451 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 881 |
| Net operating income | $309,000 | 5,568 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,794,000 | 3,475 |
| Total interest expense | $1,522,000 | 2,955 |
| Net interest income | $1,272,000 | 3,977 |
| Provision for loan and lease losses | $91,000 | 2,141 |
| Total noninterest income | $73,000 | 6,151 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $38,000 | 5,593 |
| Total noninterest expense | $962,000 | 4,250 |
| Salaries and employee benefits | $564,000 | 4,051 |
| Premises and equipment expense | $146,000 | 3,924 |
| Additional noninterest expense | $252,000 | 4,512 |
| Pre-tax net operating income | $292,000 | 4,712 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $111,000 | 3,133 |
| Income before extraordinary items | $181,000 | 5,279 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $181,000 | 5,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $181,000 | 5,262 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,791,000 | 3,941 |
| Total interest expense | $4,181,000 | 3,489 |
| Net interest income | $4,610,000 | 4,279 |
| Provision for loan and lease losses | $404,000 | 2,242 |
| Total noninterest income | $181,000 | 7,081 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $116,000 | 5,942 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $65,000 | 6,959 |
| Total noninterest expense | $3,365,000 | 4,522 |
| Salaries and employee benefits | $1,942,000 | 4,377 |
| Premises and equipment expense | $471,000 | 4,440 |
| Additional noninterest expense | $952,000 | 4,671 |
| Pre-tax net operating income | $1,022,000 | 5,145 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $376,000 | 3,510 |
| Income before extraordinary items | $646,000 | 5,667 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $646,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,325 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $646,000 | 5,650 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,137,000 | 4,120 |
| Total interest expense | $2,801,000 | 3,683 |
| Net interest income | $3,336,000 | 4,408 |
| Provision for loan and lease losses | $292,000 | 2,208 |
| Total noninterest income | $130,000 | 7,177 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $82,000 | 6,089 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 6,985 |
| Total noninterest expense | $2,455,000 | 4,596 |
| Salaries and employee benefits | $1,384,000 | 4,515 |
| Premises and equipment expense | $360,000 | 4,385 |
| Additional noninterest expense | $711,000 | 4,647 |
| Pre-tax net operating income | $719,000 | 5,455 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $272,000 | 3,714 |
| Income before extraordinary items | $447,000 | 6,008 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $447,000 | 6,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $447,000 | 6,007 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,694,000 | 4,345 |
| Total interest expense | $1,623,000 | 3,915 |
| Net interest income | $2,071,000 | 4,617 |
| Provision for loan and lease losses | $198,000 | 2,138 |
| Total noninterest income | $83,000 | 7,281 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $50,000 | 6,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $33,000 | 6,993 |
| Total noninterest expense | $1,576,000 | 4,735 |
| Salaries and employee benefits | $895,000 | 4,630 |
| Premises and equipment expense | $235,000 | 4,444 |
| Additional noninterest expense | $446,000 | 4,851 |
| Pre-tax net operating income | $380,000 | 6,002 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $143,000 | 4,076 |
| Income before extraordinary items | $237,000 | 6,461 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $237,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $237,000 | 6,462 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,666,000 | 4,610 |
| Total interest expense | $712,000 | 4,134 |
| Net interest income | $954,000 | 4,851 |
| Provision for loan and lease losses | $69,000 | 2,655 |
| Total noninterest income | $40,000 | 7,310 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $23,000 | 6,323 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 6,929 |
| Total noninterest expense | $765,000 | 4,835 |
| Salaries and employee benefits | $443,000 | 4,693 |
| Premises and equipment expense | $117,000 | 4,489 |
| Additional noninterest expense | $205,000 | 5,106 |
| Pre-tax net operating income | $160,000 | 6,283 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $60,000 | 4,268 |
| Income before extraordinary items | $100,000 | 6,737 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $100,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $100,000 | 6,736 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,563,000 | 5,441 |
| Total interest expense | $1,941,000 | 4,524 |
| Net interest income | $2,622,000 | 5,914 |
| Provision for loan and lease losses | $322,000 | 2,688 |
| Total noninterest income | $89,000 | 8,043 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $56,000 | 6,984 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $33,000 | 7,787 |
| Total noninterest expense | $2,373,000 | 5,540 |
| Salaries and employee benefits | $1,301,000 | 5,526 |
| Premises and equipment expense | $366,000 | 5,144 |
| Additional noninterest expense | $706,000 | 5,564 |
| Pre-tax net operating income | $16,000 | 8,195 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-601,000 | 8,780 |
| Income before extraordinary items | $617,000 | 5,945 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $617,000 | 5,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,036 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $3,750,000 | 335 |
| Net operating income | $617,000 | 5,915 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,141,000 | 5,666 |
| Total interest expense | $1,350,000 | 4,594 |
| Net interest income | $1,791,000 | 6,199 |
| Provision for loan and lease losses | $257,000 | 2,491 |
| Total noninterest income | $65,000 | 8,122 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $41,000 | 7,060 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $24,000 | 7,836 |
| Total noninterest expense | $1,696,000 | 5,661 |
| Salaries and employee benefits | $917,000 | 5,706 |
| Premises and equipment expense | $244,000 | 5,513 |
| Additional noninterest expense | $535,000 | 5,506 |
| Pre-tax net operating income | $-97,000 | 8,427 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-97,000 | 8,450 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-97,000 | 8,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $3,750,000 | 246 |
| Net operating income | $-97,000 | 8,420 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,887,000 | 5,913 |
| Total interest expense | $797,000 | 4,792 |
| Net interest income | $1,090,000 | 6,436 |
| Provision for loan and lease losses | $194,000 | 2,211 |
| Total noninterest income | $45,000 | 8,078 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $28,000 | 7,031 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $17,000 | 7,791 |
| Total noninterest expense | $1,093,000 | 5,761 |
| Salaries and employee benefits | $580,000 | 5,859 |
| Premises and equipment expense | $157,000 | 5,574 |
| Additional noninterest expense | $356,000 | 5,461 |
| Pre-tax net operating income | $-152,000 | 8,524 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-152,000 | 8,551 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-152,000 | 8,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 286 |
| Net operating income | $-152,000 | 8,527 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $793,000 | 6,404 |
| Total interest expense | $323,000 | 5,284 |
| Net interest income | $470,000 | 6,864 |
| Provision for loan and lease losses | $95,000 | 2,131 |
| Total noninterest income | $24,000 | 8,024 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $494,000 | 6,152 |
| Salaries and employee benefits | $279,000 | 6,028 |
| Premises and equipment expense | $66,000 | 6,121 |
| Additional noninterest expense | $149,000 | 6,036 |
| Pre-tax net operating income | $-95,000 | 8,637 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-95,000 | 8,661 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-95,000 | 8,661 |
| 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 | $500,000 | 154 |
| Net operating income | $-95,000 | 8,638 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,515,000 | 7,872 |
| Total interest expense | $460,000 | 7,454 |
| Net interest income | $1,055,000 | 7,939 |
| Provision for loan and lease losses | $515,000 | 1,912 |
| Total noninterest income | $25,000 | 8,751 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $15,000 | 7,722 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,525 |
| Total noninterest expense | $1,610,000 | 6,688 |
| Salaries and employee benefits | $923,000 | 6,528 |
| Premises and equipment expense | $147,000 | 7,359 |
| Additional noninterest expense | $540,000 | 6,329 |
| Pre-tax net operating income | $-1,045,000 | 8,814 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,045,000 | 8,845 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,045,000 | 8,845 |
| 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 | $7,629,000 | 157 |
| Net operating income | $-1,045,000 | 8,822 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $854,000 | 8,315 |
| Total interest expense | $212,000 | 8,199 |
| Net interest income | $642,000 | 8,265 |
| Provision for loan and lease losses | $440,000 | 1,648 |
| Total noninterest income | $14,000 | 8,853 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $7,000 | 7,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,603 |
| Total noninterest expense | $1,168,000 | 6,748 |
| Salaries and employee benefits | $670,000 | 6,592 |
| Premises and equipment expense | $107,000 | 7,387 |
| Additional noninterest expense | $391,000 | 6,378 |
| Pre-tax net operating income | $-952,000 | 8,893 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-952,000 | 8,921 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-952,000 | 8,922 |
| 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 | $7,629,000 | 121 |
| Net operating income | $-952,000 | 8,906 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $400,000 | 8,673 |
| Total interest expense | $71,000 | 8,749 |
| Net interest income | $329,000 | 8,588 |
| Provision for loan and lease losses | $285,000 | 1,655 |
| Total noninterest income | $5,000 | 8,958 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,000 | 7,934 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $737,000 | 6,938 |
| Salaries and employee benefits | $410,000 | 6,887 |
| Premises and equipment expense | $59,000 | 7,770 |
| Additional noninterest expense | $268,000 | 6,317 |
| Pre-tax net operating income | $-688,000 | 8,957 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-688,000 | 8,976 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-688,000 | 8,977 |
| 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 | $7,629,000 | 81 |
| Net operating income | $-688,000 | 8,957 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $83,000 | 9,011 |
| Total interest expense | $6,000 | 9,032 |
| Net interest income | $77,000 | 8,975 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $1,000 | 9,027 |
| 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 | $1,000 | 8,837 |
| Total noninterest expense | $273,000 | 7,691 |
| Salaries and employee benefits | $151,000 | 7,686 |
| Premises and equipment expense | $21,000 | 8,211 |
| Additional noninterest expense | $101,000 | 7,133 |
| Pre-tax net operating income | $-295,000 | 8,961 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-295,000 | 8,992 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-295,000 | 8,992 |
| 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 | $7,629,000 | 44 |
| Net operating income | $-295,000 | 8,967 |
* 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.