Home > Madison County Bank > Income and Expense

Madison County Bank, Income and Expense

2009-12-31 (YTD Data)		Rank
Total interest income	$3,612,000	5,955
Total interest expense	$1,699,000	4,871
Net interest income	$1,913,000	6,447
Provision for loan and lease losses	$95,000	6,492
Total noninterest income	$205,000	6,190
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$82,000	5,999
Trading account gains and fees	$0	211
Additional Noninterest Income	$123,000	5,373
Total noninterest expense	$2,562,000	5,609
Salaries and employee benefits	$1,205,000	5,836
Premises and equipment expense	$408,000	4,947
Additional noninterest expense	$949,000	5,374
Pre-tax net operating income	$-539,000	6,011
Securities gains (losses)	$1,000	3,653
Applicable income taxes	$0	4,388
Income before extraordinary items	$-538,000	6,101
Extraordinary gains, net	$0	34
Net income	$-538,000	6,100
Minority interest net income	$0	115
Net income of bank and minority interests.	$-538,000	6,101
Net charge-offs	$201,000	5,001
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-539,000	6,103
2009-09-30 (YTD Data)		Rank
Total interest income	$2,711,000	6,019
Total interest expense	$1,322,000	4,920
Net interest income	$1,389,000	6,546
Provision for loan and lease losses	$41,000	6,656
Total noninterest income	$147,000	6,364
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$52,000	6,222
Trading account gains and fees	$0	212
Additional Noninterest Income	$95,000	5,460
Total noninterest expense	$1,665,000	5,996
Salaries and employee benefits	$846,000	6,005
Premises and equipment expense	$296,000	5,068
Additional noninterest expense	$523,000	6,142
Pre-tax net operating income	$-170,000	5,989
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$-170,000	6,081
Extraordinary gains, net	$0	27
Net income	$-170,000	6,082
Minority interest net income	$0	118
Net income of bank and minority interests.	$-170,000	6,081
Net charge-offs	$200,000	4,244
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-170,000	6,060
2009-06-30 (YTD Data)		Rank
Total interest income	$1,791,000	6,095
Total interest expense	$909,000	4,968
Net interest income	$882,000	6,663
Provision for loan and lease losses	$41,000	6,225
Total noninterest income	$120,000	6,107
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$34,000	6,274
Trading account gains and fees	$0	193
Additional Noninterest Income	$86,000	5,059
Total noninterest expense	$1,109,000	6,040
Salaries and employee benefits	$553,000	6,118
Premises and equipment expense	$195,000	5,145
Additional noninterest expense	$361,000	6,083
Pre-tax net operating income	$-148,000	6,187
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-148,000	6,280
Extraordinary gains, net	$0	21
Net income	$-148,000	6,279
Minority interest net income	$0	112
Net income of bank and minority interests.	$-148,000	6,279
Net charge-offs	$119,000	4,057
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-148,000	6,250
2009-03-31 (YTD Data)		Rank
Total interest income	$912,000	6,095
Total interest expense	$480,000	4,938
Net interest income	$432,000	6,717
Provision for loan and lease losses	$31,000	5,376
Total noninterest income	$90,000	5,386
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$18,000	6,172
Trading account gains and fees	$0	171
Additional Noninterest Income	$72,000	4,184
Total noninterest expense	$489,000	6,319
Salaries and employee benefits	$275,000	6,180
Premises and equipment expense	$96,000	5,219
Additional noninterest expense	$118,000	6,804
Pre-tax net operating income	$2,000	6,207
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$2,000	6,380
Extraordinary gains, net	$0	15
Net income	$2,000	6,382
Minority interest net income	$0	102
Net income of bank and minority interests.	$2,000	6,382
Net charge-offs	$98,000	2,889
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$2,000	6,231
2008-12-31 (YTD Data)		Rank
Total interest income	$4,081,000	5,959
Total interest expense	$2,400,000	4,851
Net interest income	$1,681,000	6,785
Provision for loan and lease losses	$410,000	4,100
Total noninterest income	$265,000	6,037
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$139,000	5,454
Trading account gains and fees	$0	154
Additional Noninterest Income	$126,000	5,607
Total noninterest expense	$2,130,000	6,074
Salaries and employee benefits	$1,157,000	6,085
Premises and equipment expense	$399,000	5,090
Additional noninterest expense	$574,000	6,325
Pre-tax net operating income	$-594,000	6,819
Securities gains (losses)	$34,000	1,848
Applicable income taxes	$0	4,979
Income before extraordinary items	$-560,000	6,745
Extraordinary gains, net	$0	39
Net income	$-560,000	6,744
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$263,000	3,723
Cash dividends	$83,000	5,073
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-594,000	6,903
2008-09-30 (YTD Data)		Rank
Total interest income	$3,110,000	5,991
Total interest expense	$1,858,000	4,876
Net interest income	$1,252,000	6,853
Provision for loan and lease losses	$200,000	4,198
Total noninterest income	$229,000	5,864
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$119,000	5,242
Trading account gains and fees	$0	148
Additional Noninterest Income	$110,000	5,468
Total noninterest expense	$1,530,000	6,172
Salaries and employee benefits	$847,000	6,142
Premises and equipment expense	$290,000	5,201
Additional noninterest expense	$393,000	6,503
Pre-tax net operating income	$-249,000	7,069
Securities gains (losses)	$34,000	1,677
Applicable income taxes	$0	5,372
Income before extraordinary items	$-215,000	6,923
Extraordinary gains, net	$0	31
Net income	$-215,000	6,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$275,000	2,664
Cash dividends	$83,000	4,520
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-249,000	7,124
2008-06-30 (YTD Data)		Rank
Total interest income	$2,115,000	6,022
Total interest expense	$1,285,000	4,919
Net interest income	$830,000	6,881
Provision for loan and lease losses	$50,000	5,164
Total noninterest income	$173,000	5,728
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$81,000	5,221
Trading account gains and fees	$0	149
Additional Noninterest Income	$92,000	5,188
Total noninterest expense	$1,014,000	6,239
Salaries and employee benefits	$570,000	6,178
Premises and equipment expense	$192,000	5,252
Additional noninterest expense	$252,000	6,629
Pre-tax net operating income	$-61,000	7,114
Securities gains (losses)	$34,000	1,705
Applicable income taxes	$0	5,627
Income before extraordinary items	$-27,000	7,095
Extraordinary gains, net	$0	21
Net income	$-27,000	7,095
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	4,059
Cash dividends	$58,000	4,406
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-61,000	7,148
2008-03-31 (YTD Data)		Rank
Total interest income	$1,105,000	5,998
Total interest expense	$681,000	4,948
Net interest income	$424,000	6,893
Provision for loan and lease losses	$30,000	4,346
Total noninterest income	$95,000	5,538
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$36,000	5,409
Trading account gains and fees	$0	158
Additional Noninterest Income	$59,000	4,725
Total noninterest expense	$506,000	6,269
Salaries and employee benefits	$283,000	6,235
Premises and equipment expense	$96,000	5,276
Additional noninterest expense	$127,000	6,594
Pre-tax net operating income	$-17,000	7,268
Securities gains (losses)	$34,000	1,302
Applicable income taxes	$0	5,622
Income before extraordinary items	$17,000	7,056
Extraordinary gains, net	$0	15
Net income	$17,000	7,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	3,065
Cash dividends	$32,000	3,507
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-17,000	7,297
2007-12-31 (YTD Data)		Rank
Total interest income	$4,561,000	5,955
Total interest expense	$2,568,000	5,184
Net interest income	$1,993,000	6,511
Provision for loan and lease losses	$100,000	4,892
Total noninterest income	$462,000	5,197
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$116,000	5,820
Trading account gains and fees	$0	178
Additional Noninterest Income	$346,000	4,001
Total noninterest expense	$2,300,000	5,835
Salaries and employee benefits	$1,325,000	5,692
Premises and equipment expense	$385,000	5,143
Additional noninterest expense	$590,000	6,164
Pre-tax net operating income	$55,000	7,279
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$55,000	7,308
Extraordinary gains, net	$0	39
Net income	$55,000	7,307
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,249
Cash dividends	$110,000	5,299
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$55,000	7,280
2007-09-30 (YTD Data)		Rank
Total interest income	$3,372,000	6,012
Total interest expense	$1,880,000	5,264
Net interest income	$1,492,000	6,549
Provision for loan and lease losses	$80,000	4,491
Total noninterest income	$375,000	5,052
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$88,000	5,825
Trading account gains and fees	$0	184
Additional Noninterest Income	$287,000	3,824
Total noninterest expense	$1,695,000	5,861
Salaries and employee benefits	$997,000	5,649
Premises and equipment expense	$278,000	5,235
Additional noninterest expense	$420,000	6,271
Pre-tax net operating income	$92,000	7,345
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$92,000	7,310
Extraordinary gains, net	$0	33
Net income	$92,000	7,307
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,700
Cash dividends	$77,000	4,812
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$92,000	7,294
2007-06-30 (YTD Data)		Rank
Total interest income	$2,164,000	6,128
Total interest expense	$1,193,000	5,395
Net interest income	$971,000	6,657
Provision for loan and lease losses	$60,000	3,990
Total noninterest income	$266,000	4,950
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$57,000	5,893
Trading account gains and fees	$0	168
Additional Noninterest Income	$209,000	3,694
Total noninterest expense	$1,099,000	5,979
Salaries and employee benefits	$666,000	5,713
Premises and equipment expense	$176,000	5,407
Additional noninterest expense	$257,000	6,518
Pre-tax net operating income	$78,000	7,371
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$78,000	7,283
Extraordinary gains, net	$0	29
Net income	$78,000	7,283
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$39,000	4,767
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$78,000	7,276
2007-03-31 (YTD Data)		Rank
Total interest income	$1,032,000	6,251
Total interest expense	$568,000	5,528
Net interest income	$464,000	6,776
Provision for loan and lease losses	$30,000	3,737
Total noninterest income	$142,000	4,760
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$27,000	5,944
Trading account gains and fees	$0	195
Additional Noninterest Income	$115,000	3,507
Total noninterest expense	$541,000	6,069
Salaries and employee benefits	$329,000	5,792
Premises and equipment expense	$82,000	5,625
Additional noninterest expense	$130,000	6,485
Pre-tax net operating income	$35,000	7,479
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$35,000	7,380
Extraordinary gains, net	$0	22
Net income	$35,000	7,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$17,000	3,845
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$35,000	7,369
2006-12-31 (YTD Data)		Rank
Total interest income	$3,739,000	6,284
Total interest expense	$1,833,000	5,638
Net interest income	$1,906,000	6,674
Provision for loan and lease losses	$60,000	5,315
Total noninterest income	$116,000	7,593
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$81,000	6,429
Trading account gains and fees	$0	130
Additional Noninterest Income	$35,000	7,597
Total noninterest expense	$1,882,000	6,323
Salaries and employee benefits	$1,062,000	6,260
Premises and equipment expense	$293,000	5,801
Additional noninterest expense	$527,000	6,419
Pre-tax net operating income	$80,000	7,765
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$80,000	7,747
Extraordinary gains, net	$0	51
Net income	$80,000	7,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	3,086
Cash dividends	$22,000	5,845
Sale, conversion, retirement of capital stock, net	$1,000	1,233
Net operating income	$80,000	7,738
2006-09-30 (YTD Data)		Rank
Total interest income	$2,636,000	6,437
Total interest expense	$1,289,000	5,734
Net interest income	$1,347,000	6,889
Provision for loan and lease losses	$45,000	5,149
Total noninterest income	$83,000	7,714
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$56,000	6,588
Trading account gains and fees	$0	126
Additional Noninterest Income	$27,000	7,623
Total noninterest expense	$1,294,000	6,553
Salaries and employee benefits	$749,000	6,410
Premises and equipment expense	$204,000	6,013
Additional noninterest expense	$341,000	6,781
Pre-tax net operating income	$91,000	7,842
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$91,000	7,772
Extraordinary gains, net	$0	45
Net income	$91,000	7,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	2,787
Cash dividends	$7,000	5,260
Sale, conversion, retirement of capital stock, net	$1,000	1,026
Net operating income	$91,000	7,774
2006-06-30 (YTD Data)		Rank
Total interest income	$1,658,000	6,563
Total interest expense	$810,000	5,783
Net interest income	$848,000	7,058
Provision for loan and lease losses	$25,000	5,320
Total noninterest income	$55,000	7,771
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$36,000	6,669
Trading account gains and fees	$0	126
Additional Noninterest Income	$19,000	7,607
Total noninterest expense	$844,000	6,642
Salaries and employee benefits	$506,000	6,409
Premises and equipment expense	$123,000	6,290
Additional noninterest expense	$215,000	6,947
Pre-tax net operating income	$34,000	8,029
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$34,000	8,007
Extraordinary gains, net	$0	39
Net income	$34,000	8,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,722
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$1,000	869
Net operating income	$34,000	8,005
2006-03-31 (YTD Data)		Rank
Total interest income	$796,000	6,650
Total interest expense	$375,000	5,856
Net interest income	$421,000	7,102
Provision for loan and lease losses	$15,000	4,758
Total noninterest income	$28,000	7,735
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$19,000	6,578
Trading account gains and fees	$0	115
Additional Noninterest Income	$9,000	7,631
Total noninterest expense	$417,000	6,667
Salaries and employee benefits	$252,000	6,437
Premises and equipment expense	$60,000	6,361
Additional noninterest expense	$105,000	6,979
Pre-tax net operating income	$17,000	8,059
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$17,000	8,024
Extraordinary gains, net	$0	21
Net income	$17,000	8,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,900
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$1,000	629
Net operating income	$17,000	8,022
2005-12-31 (YTD Data)		Rank
Total interest income	$2,402,000	7,090
Total interest expense	$917,000	6,495
Net interest income	$1,485,000	7,309
Provision for loan and lease losses	$25,000	6,321
Total noninterest income	$117,000	7,785
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$83,000	6,540
Trading account gains and fees	$0	138
Additional Noninterest Income	$34,000	7,758
Total noninterest expense	$1,689,000	6,583
Salaries and employee benefits	$953,000	6,497
Premises and equipment expense	$236,000	6,354
Additional noninterest expense	$500,000	6,581
Pre-tax net operating income	$-112,000	8,342
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-112,000	8,372
Extraordinary gains, net	$156,000	23
Net income	$44,000	8,168
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,820
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$43,000	817
Net operating income	$-112,000	8,345
2005-09-30 (YTD Data)		Rank
Total interest income	$1,670,000	7,246
Total interest expense	$598,000	6,722
Net interest income	$1,072,000	7,432
Provision for loan and lease losses	$10,000	6,490
Total noninterest income	$88,000	7,807
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$63,000	6,561
Trading account gains and fees	$0	126
Additional Noninterest Income	$25,000	7,813
Total noninterest expense	$1,273,000	6,568
Salaries and employee benefits	$716,000	6,469
Premises and equipment expense	$178,000	6,312
Additional noninterest expense	$379,000	6,518
Pre-tax net operating income	$-123,000	8,442
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-123,000	8,471
Extraordinary gains, net	$156,000	16
Net income	$33,000	8,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,476
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$43,000	644
Net operating income	$-123,000	8,443
2005-06-30 (YTD Data)		Rank
Total interest income	$1,047,000	7,358
Total interest expense	$361,000	6,838
Net interest income	$686,000	7,519
Provision for loan and lease losses	$0	6,626
Total noninterest income	$60,000	7,776
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$42,000	6,539
Trading account gains and fees	$0	116
Additional Noninterest Income	$18,000	7,744
Total noninterest expense	$792,000	6,756
Salaries and employee benefits	$470,000	6,521
Premises and equipment expense	$114,000	6,411
Additional noninterest expense	$208,000	6,992
Pre-tax net operating income	$-46,000	8,427
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-46,000	8,462
Extraordinary gains, net	$0	30
Net income	$-46,000	8,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,447
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$22,000	560
Net operating income	$-46,000	8,428
2005-03-31 (YTD Data)		Rank
Total interest income	$501,000	7,486
Total interest expense	$166,000	6,968
Net interest income	$335,000	7,617
Provision for loan and lease losses	$10,000	5,373
Total noninterest income	$23,000	8,065
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$19,000	6,673
Trading account gains and fees	$0	115
Additional Noninterest Income	$4,000	8,331
Total noninterest expense	$386,000	6,869
Salaries and employee benefits	$225,000	6,686
Premises and equipment expense	$58,000	6,415
Additional noninterest expense	$103,000	7,065
Pre-tax net operating income	$-38,000	8,548
Securities gains (losses)	$7,000	1,110
Applicable income taxes	$0	6,892
Income before extraordinary items	$-31,000	8,552
Extraordinary gains, net	$0	24
Net income	$-31,000	8,552
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	$10,000	433
Net operating income	$-38,000	8,546
2004-12-31 (YTD Data)		Rank
Total interest income	$1,353,000	8,052
Total interest expense	$497,000	7,317
Net interest income	$856,000	8,228
Provision for loan and lease losses	$192,000	3,768
Total noninterest income	$85,000	8,249
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$66,000	7,023
Trading account gains and fees	$0	138
Additional Noninterest Income	$19,000	8,248
Total noninterest expense	$1,544,000	6,813
Salaries and employee benefits	$814,000	6,874
Premises and equipment expense	$234,000	6,361
Additional noninterest expense	$496,000	6,557
Pre-tax net operating income	$-795,000	8,756
Securities gains (losses)	$5,000	3,151
Applicable income taxes	$0	7,185
Income before extraordinary items	$-790,000	8,790
Extraordinary gains, net	$0	34
Net income	$-790,000	8,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	4,719
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$1,718,000	359
Net operating income	$-795,000	8,771
2004-09-30 (YTD Data)		Rank
Total interest income	$947,000	8,183
Total interest expense	$360,000	7,403
Net interest income	$587,000	8,367
Provision for loan and lease losses	$11,000	6,669
Total noninterest income	$62,000	8,327
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$47,000	7,129
Trading account gains and fees	$0	134
Additional Noninterest Income	$15,000	8,248
Total noninterest expense	$1,131,000	6,842
Salaries and employee benefits	$588,000	6,954
Premises and equipment expense	$172,000	6,401
Additional noninterest expense	$371,000	6,550
Pre-tax net operating income	$-493,000	8,770
Securities gains (losses)	$2,000	3,384
Applicable income taxes	$0	7,220
Income before extraordinary items	$-491,000	8,805
Extraordinary gains, net	$0	26
Net income	$-491,000	8,807
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	4,186
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$59,000	575
Net operating income	$-493,000	8,780
2004-06-30 (YTD Data)		Rank
Total interest income	$597,000	8,313
Total interest expense	$239,000	7,474
Net interest income	$358,000	8,509
Provision for loan and lease losses	$11,000	6,344
Total noninterest income	$42,000	8,348
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$31,000	7,155
Trading account gains and fees	$0	130
Additional Noninterest Income	$11,000	8,227
Total noninterest expense	$735,000	6,945
Salaries and employee benefits	$363,000	7,206
Premises and equipment expense	$112,000	6,506
Additional noninterest expense	$260,000	6,416
Pre-tax net operating income	$-346,000	8,832
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-346,000	8,871
Extraordinary gains, net	$0	21
Net income	$-346,000	8,871
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	$34,000	520
Net operating income	$-346,000	8,843
2004-03-31 (YTD Data)		Rank
Total interest income	$292,000	8,386
Total interest expense	$119,000	7,546
Net interest income	$173,000	8,579
Provision for loan and lease losses	$11,000	5,558
Total noninterest income	$21,000	8,373
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$17,000	7,025
Trading account gains and fees	$0	121
Additional Noninterest Income	$4,000	8,419
Total noninterest expense	$327,000	7,297
Salaries and employee benefits	$141,000	7,838
Premises and equipment expense	$54,000	6,592
Additional noninterest expense	$132,000	6,385
Pre-tax net operating income	$-144,000	8,853
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-144,000	8,902
Extraordinary gains, net	$0	16
Net income	$-144,000	8,902
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	$10,000	405
Net operating income	$-144,000	8,870
2003-12-31 (YTD Data)		Rank
Total interest income	$909,000	8,663
Total interest expense	$409,000	8,084
Net interest income	$500,000	8,808
Provision for loan and lease losses	$202,000	4,007
Total noninterest income	$78,000	8,526
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$41,000	7,570
Trading account gains and fees	$0	160
Additional Noninterest Income	$37,000	7,907
Total noninterest expense	$1,395,000	7,080
Salaries and employee benefits	$717,000	7,244
Premises and equipment expense	$200,000	6,773
Additional noninterest expense	$478,000	6,689
Pre-tax net operating income	$-1,019,000	8,978
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$-1,019,000	9,038
Extraordinary gains, net	$0	54
Net income	$-1,019,000	9,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,281
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-1,019,000	8,993
2003-09-30 (YTD Data)		Rank
Total interest income	$676,000	8,751
Total interest expense	$300,000	8,238
Net interest income	$376,000	8,886
Provision for loan and lease losses	$40,000	6,097
Total noninterest income	$30,000	8,946
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$30,000	7,641
Trading account gains and fees	$0	153
Additional Noninterest Income	$0	9,106
Total noninterest expense	$807,000	7,717
Salaries and employee benefits	$366,000	8,114
Premises and equipment expense	$185,000	6,208
Additional noninterest expense	$256,000	7,504
Pre-tax net operating income	$-441,000	8,934
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-441,000	9,006
Extraordinary gains, net	$0	40
Net income	$-441,000	9,007
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-441,000	8,948
2003-06-30 (YTD Data)		Rank
Total interest income	$436,000	8,827
Total interest expense	$197,000	8,358
Net interest income	$239,000	8,941
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$17,000	9,018
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$17,000	7,743
Trading account gains and fees	$0	150
Additional Noninterest Income	$0	9,111
Total noninterest expense	$522,000	7,806
Salaries and employee benefits	$250,000	8,084
Premises and equipment expense	$120,000	6,262
Additional noninterest expense	$152,000	7,741
Pre-tax net operating income	$-296,000	8,986
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-296,000	9,064
Extraordinary gains, net	$0	30
Net income	$-296,000	9,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-296,000	8,996
2003-03-31 (YTD Data)		Rank
Total interest income	$210,000	8,901
Total interest expense	$91,000	8,542
Net interest income	$119,000	8,994
Provision for loan and lease losses	$20,000	5,233
Total noninterest income	$7,000	9,082
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$7,000	7,830
Trading account gains and fees	$0	134
Additional Noninterest Income	$0	9,145
Total noninterest expense	$244,000	7,985
Salaries and employee benefits	$121,000	8,179
Premises and equipment expense	$57,000	6,435
Additional noninterest expense	$66,000	8,054
Pre-tax net operating income	$-138,000	9,019
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-138,000	9,083
Extraordinary gains, net	$0	21
Net income	$-138,000	9,080
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-138,000	9,017
2002-12-31 (YTD Data)		Rank
Total interest income	$334,000	9,223
Total interest expense	$163,000	9,116
Net interest income	$171,000	9,258
Provision for loan and lease losses	$126,000	5,255
Total noninterest income	$12,000	9,216
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$11,000	8,074
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,000	9,177
Total noninterest expense	$1,507,000	6,824
Salaries and employee benefits	$484,000	8,202
Premises and equipment expense	$162,000	7,283
Additional noninterest expense	$861,000	4,679
Pre-tax net operating income	$-1,450,000	9,199
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-1,450,000	9,238
Extraordinary gains, net	$0	70
Net income	$-1,450,000	9,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,332
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$5,019,000	159
Net operating income	$-1,450,000	9,207

* 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.