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Main Street Bank, Income and Expense

2008-06-30 (YTD Data)		Rank
Total interest income	$3,664,000	4,483
Total interest expense	$2,775,000	2,909
Net interest income	$889,000	6,744
Provision for loan and lease losses	$4,622,000	461
Total noninterest income	$329,000	4,431
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$39,000	6,277
Trading account gains and fees	$0	149
Additional Noninterest Income	$290,000	3,092
Total noninterest expense	$3,138,000	2,938
Salaries and employee benefits	$1,499,000	3,329
Premises and equipment expense	$429,000	3,022
Additional noninterest expense	$1,210,000	2,323
Pre-tax net operating income	$-6,542,000	8,323
Securities gains (losses)	$5,000	2,725
Applicable income taxes	$0	5,627
Income before extraordinary items	$-6,537,000	8,339
Extraordinary gains, net	$0	21
Net income	$-6,537,000	8,338
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,207,000	291
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-6,542,000	8,338
2008-03-31 (YTD Data)		Rank
Total interest income	$1,969,000	4,368
Total interest expense	$1,540,000	2,813
Net interest income	$429,000	6,873
Provision for loan and lease losses	$2,132,000	387
Total noninterest income	$217,000	3,828
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$20,000	6,236
Trading account gains and fees	$0	158
Additional Noninterest Income	$197,000	2,596
Total noninterest expense	$1,699,000	2,738
Salaries and employee benefits	$824,000	3,084
Premises and equipment expense	$218,000	2,990
Additional noninterest expense	$657,000	2,132
Pre-tax net operating income	$-3,185,000	8,405
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-3,185,000	8,419
Extraordinary gains, net	$0	15
Net income	$-3,185,000	8,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,167,000	275
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-3,185,000	8,415
2007-12-31 (YTD Data)		Rank
Total interest income	$10,831,000	3,570
Total interest expense	$6,468,000	2,823
Net interest income	$4,363,000	4,380
Provision for loan and lease losses	$4,558,000	441
Total noninterest income	$1,550,000	2,644
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$76,000	6,358
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,474,000	1,690
Total noninterest expense	$6,333,000	2,826
Salaries and employee benefits	$3,797,000	2,614
Premises and equipment expense	$855,000	2,921
Additional noninterest expense	$1,681,000	3,115
Pre-tax net operating income	$-4,978,000	8,440
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$-4,978,000	8,453
Extraordinary gains, net	$0	39
Net income	$-4,978,000	8,450
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,218,000	442
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-4,978,000	8,447
2007-09-30 (YTD Data)		Rank
Total interest income	$8,515,000	3,443
Total interest expense	$4,901,000	2,792
Net interest income	$3,614,000	4,118
Provision for loan and lease losses	$1,720,000	586
Total noninterest income	$1,198,000	2,587
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$50,000	6,529
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,148,000	1,646
Total noninterest expense	$4,793,000	2,766
Salaries and employee benefits	$2,904,000	2,557
Premises and equipment expense	$594,000	3,091
Additional noninterest expense	$1,295,000	2,983
Pre-tax net operating income	$-1,701,000	8,408
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$-1,701,000	8,435
Extraordinary gains, net	$0	33
Net income	$-1,701,000	8,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$521,000	1,040
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-1,701,000	8,423
2007-06-30 (YTD Data)		Rank
Total interest income	$5,643,000	3,470
Total interest expense	$3,121,000	2,909
Net interest income	$2,522,000	4,001
Provision for loan and lease losses	$845,000	672
Total noninterest income	$796,000	2,607
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$29,000	6,696
Trading account gains and fees	$0	168
Additional Noninterest Income	$767,000	1,655
Total noninterest expense	$3,163,000	2,830
Salaries and employee benefits	$1,952,000	2,578
Premises and equipment expense	$356,000	3,386
Additional noninterest expense	$855,000	3,018
Pre-tax net operating income	$-690,000	8,375
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$-690,000	8,408
Extraordinary gains, net	$0	29
Net income	$-690,000	8,406
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$233,000	1,204
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$-690,000	8,399
2007-03-31 (YTD Data)		Rank
Total interest income	$2,714,000	3,561
Total interest expense	$1,508,000	2,976
Net interest income	$1,206,000	4,146
Provision for loan and lease losses	$240,000	1,001
Total noninterest income	$338,000	2,878
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$11,000	6,918
Trading account gains and fees	$0	195
Additional Noninterest Income	$327,000	1,849
Total noninterest expense	$1,545,000	2,902
Salaries and employee benefits	$952,000	2,660
Premises and equipment expense	$157,000	3,744
Additional noninterest expense	$436,000	2,945
Pre-tax net operating income	$-241,000	8,351
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$-241,000	8,378
Extraordinary gains, net	$0	22
Net income	$-241,000	8,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$170,000	822
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$-241,000	8,368
2006-12-31 (YTD Data)		Rank
Total interest income	$9,251,000	3,789
Total interest expense	$4,750,000	3,157
Net interest income	$4,501,000	4,336
Provision for loan and lease losses	$487,000	1,949
Total noninterest income	$1,188,000	3,147
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$59,000	6,743
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,129,000	2,045
Total noninterest expense	$4,744,000	3,489
Salaries and employee benefits	$3,186,000	2,967
Premises and equipment expense	$346,000	5,361
Additional noninterest expense	$1,212,000	3,900
Pre-tax net operating income	$458,000	6,619
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$458,000	6,306
Extraordinary gains, net	$0	51
Net income	$458,000	6,307
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	3,149
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$458,000	6,309
2006-09-30 (YTD Data)		Rank
Total interest income	$6,546,000	3,926
Total interest expense	$3,305,000	3,248
Net interest income	$3,241,000	4,480
Provision for loan and lease losses	$372,000	1,806
Total noninterest income	$825,000	3,328
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$72,000	6,280
Trading account gains and fees	$0	126
Additional Noninterest Income	$753,000	2,219
Total noninterest expense	$3,402,000	3,608
Salaries and employee benefits	$2,319,000	3,037
Premises and equipment expense	$284,000	5,124
Additional noninterest expense	$799,000	4,266
Pre-tax net operating income	$292,000	7,041
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$292,000	6,759
Extraordinary gains, net	$0	45
Net income	$292,000	6,761
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	3,204
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$292,000	6,762
2006-06-30 (YTD Data)		Rank
Total interest income	$4,042,000	4,094
Total interest expense	$2,008,000	3,366
Net interest income	$2,034,000	4,674
Provision for loan and lease losses	$289,000	1,578
Total noninterest income	$504,000	3,506
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$44,000	6,413
Trading account gains and fees	$0	126
Additional Noninterest Income	$460,000	2,337
Total noninterest expense	$2,187,000	3,718
Salaries and employee benefits	$1,497,000	3,119
Premises and equipment expense	$186,000	5,159
Additional noninterest expense	$504,000	4,465
Pre-tax net operating income	$62,000	7,895
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$62,000	7,825
Extraordinary gains, net	$0	39
Net income	$62,000	7,826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,027
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$62,000	7,827
2006-03-31 (YTD Data)		Rank
Total interest income	$1,822,000	4,346
Total interest expense	$879,000	3,604
Net interest income	$943,000	4,884
Provision for loan and lease losses	$146,000	1,524
Total noninterest income	$220,000	3,781
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$21,000	6,441
Trading account gains and fees	$0	115
Additional Noninterest Income	$199,000	2,501
Total noninterest expense	$1,049,000	3,864
Salaries and employee benefits	$704,000	3,320
Premises and equipment expense	$95,000	5,109
Additional noninterest expense	$250,000	4,475
Pre-tax net operating income	$-32,000	8,330
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-32,000	8,342
Extraordinary gains, net	$0	21
Net income	$-32,000	8,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	2,876
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-32,000	8,328
2005-12-31 (YTD Data)		Rank
Total interest income	$4,049,000	5,793
Total interest expense	$1,743,000	4,844
Net interest income	$2,306,000	6,253
Provision for loan and lease losses	$607,000	1,607
Total noninterest income	$1,112,000	3,301
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$39,000	7,245
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,073,000	2,110
Total noninterest expense	$3,615,000	4,186
Salaries and employee benefits	$2,398,000	3,602
Premises and equipment expense	$351,000	5,277
Additional noninterest expense	$866,000	4,898
Pre-tax net operating income	$-804,000	8,589
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-804,000	8,625
Extraordinary gains, net	$0	46
Net income	$-804,000	8,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,059
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-804,000	8,607
2005-09-30 (YTD Data)		Rank
Total interest income	$2,534,000	6,277
Total interest expense	$1,113,000	5,152
Net interest income	$1,421,000	6,807
Provision for loan and lease losses	$371,000	1,827
Total noninterest income	$884,000	3,184
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$30,000	7,268
Trading account gains and fees	$0	126
Additional Noninterest Income	$854,000	2,036
Total noninterest expense	$2,576,000	4,320
Salaries and employee benefits	$1,707,000	3,734
Premises and equipment expense	$246,000	5,485
Additional noninterest expense	$623,000	4,989
Pre-tax net operating income	$-642,000	8,649
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-642,000	8,687
Extraordinary gains, net	$0	35
Net income	$-642,000	8,687
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	$-642,000	8,665
2005-06-30 (YTD Data)		Rank
Total interest income	$1,362,000	6,780
Total interest expense	$583,000	5,632
Net interest income	$779,000	7,263
Provision for loan and lease losses	$274,000	1,661
Total noninterest income	$561,000	3,266
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$18,000	7,341
Trading account gains and fees	$0	116
Additional Noninterest Income	$543,000	2,069
Total noninterest expense	$1,664,000	4,414
Salaries and employee benefits	$1,118,000	3,764
Premises and equipment expense	$160,000	5,527
Additional noninterest expense	$386,000	5,204
Pre-tax net operating income	$-598,000	8,702
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-598,000	8,733
Extraordinary gains, net	$0	30
Net income	$-598,000	8,733
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	$-598,000	8,709
2005-03-31 (YTD Data)		Rank
Total interest income	$498,000	7,498
Total interest expense	$206,000	6,461
Net interest income	$292,000	7,836
Provision for loan and lease losses	$89,000	2,296
Total noninterest income	$271,000	3,282
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$6,000	7,541
Trading account gains and fees	$0	115
Additional Noninterest Income	$265,000	2,057
Total noninterest expense	$813,000	4,512
Salaries and employee benefits	$520,000	3,977
Premises and equipment expense	$78,000	5,638
Additional noninterest expense	$215,000	4,837
Pre-tax net operating income	$-339,000	8,801
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-339,000	8,818
Extraordinary gains, net	$0	24
Net income	$-339,000	8,818
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	$-339,000	8,801
2004-12-31 (YTD Data)		Rank
Total interest income	$578,000	8,715
Total interest expense	$189,000	8,500
Net interest income	$389,000	8,741
Provision for loan and lease losses	$256,000	3,206
Total noninterest income	$373,000	5,939
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	$366,000	3,882
Total noninterest expense	$1,713,000	6,514
Salaries and employee benefits	$1,074,000	6,058
Premises and equipment expense	$160,000	7,220
Additional noninterest expense	$479,000	6,674
Pre-tax net operating income	$-1,207,000	8,828
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$-1,207,000	8,853
Extraordinary gains, net	$0	34
Net income	$-1,207,000	8,854
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	$0	872
Net operating income	$-1,207,000	8,832
2004-09-30 (YTD Data)		Rank
Total interest income	$261,000	8,891
Total interest expense	$74,000	8,798
Net interest income	$187,000	8,898
Provision for loan and lease losses	$134,000	3,821
Total noninterest income	$182,000	6,862
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$5,000	7,853
Trading account gains and fees	$0	134
Additional Noninterest Income	$177,000	4,755
Total noninterest expense	$972,000	7,229
Salaries and employee benefits	$601,000	6,894
Premises and equipment expense	$108,000	7,369
Additional noninterest expense	$263,000	7,390
Pre-tax net operating income	$-737,000	8,837
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-737,000	8,880
Extraordinary gains, net	$0	26
Net income	$-737,000	8,880
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	$0	738
Net operating income	$-737,000	8,861
2004-06-30 (YTD Data)		Rank
Total interest income	$104,000	8,998
Total interest expense	$21,000	8,957
Net interest income	$83,000	8,993
Provision for loan and lease losses	$65,000	4,191
Total noninterest income	$99,000	7,262
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$1,000	7,953
Trading account gains and fees	$0	130
Additional Noninterest Income	$98,000	5,194
Total noninterest expense	$531,000	7,704
Salaries and employee benefits	$330,000	7,429
Premises and equipment expense	$60,000	7,741
Additional noninterest expense	$141,000	7,844
Pre-tax net operating income	$-414,000	8,865
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-414,000	8,903
Extraordinary gains, net	$0	21
Net income	$-414,000	8,904
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	$0	638
Net operating income	$-414,000	8,876
2004-03-31 (YTD Data)		Rank
Total interest income	$9,000	9,101
Total interest expense	$1,000	9,077
Net interest income	$8,000	9,092
Provision for loan and lease losses	$17,000	4,995
Total noninterest income	$0	9,051
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	$0	8,950
Total noninterest expense	$137,000	8,701
Salaries and employee benefits	$84,000	8,598
Premises and equipment expense	$15,000	8,548
Additional noninterest expense	$38,000	8,683
Pre-tax net operating income	$-146,000	8,859
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-146,000	8,905
Extraordinary gains, net	$0	16
Net income	$-146,000	8,905
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	$0	464
Net operating income	$-146,000	8,872

* 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.