Home > Millennium BCP Bank > Income and Expense

Millennium BCP Bank, Income and Expense

2010-09-30 (YTD Data)Rank
Total interest income$23,851,000974
Total interest expense$5,647,0001,136
Net interest income$18,204,000910
Provision for loan and lease losses$4,899,000892
Total noninterest income$5,567,000778
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$2,725,000416
Trading account gains and fees$0165
Additional Noninterest Income$2,842,000858
Total noninterest expense$36,651,000425
Salaries and employee benefits$14,458,000499
Premises and equipment expense$15,087,000139
Additional noninterest expense$7,106,000764
Pre-tax net operating income$-17,779,0007,640
Securities gains (losses)$-10,0007,210
Applicable income taxes$27,0003,858
Income before extraordinary items$-17,816,0007,646
Extraordinary gains, net$023
Net income$-17,816,0007,646
Minority interest net income$0110
Net income of bank and minority interests.$-17,816,0007,646
Net charge-offs$8,660,000509
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-17,806,0007,641
2010-06-30 (YTD Data)Rank
Total interest income$16,368,000964
Total interest expense$3,942,0001,140
Net interest income$12,426,000889
Provision for loan and lease losses$2,838,000988
Total noninterest income$4,049,000710
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$1,869,000409
Trading account gains and fees$0152
Additional Noninterest Income$2,180,000749
Total noninterest expense$17,104,000582
Salaries and employee benefits$8,733,000544
Premises and equipment expense$4,007,000338
Additional noninterest expense$4,364,000823
Pre-tax net operating income$-3,467,0007,437
Securities gains (losses)$36,0002,082
Applicable income taxes$11,0004,050
Income before extraordinary items$-3,442,0007,483
Extraordinary gains, net$019
Net income$-3,442,0007,483
Minority interest net income$0105
Net income of bank and minority interests.$-3,442,0007,483
Net charge-offs$3,286,000766
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-3,478,0007,480
2010-03-31 (YTD Data)Rank
Total interest income$8,310,000963
Total interest expense$2,141,0001,098
Net interest income$6,169,000905
Provision for loan and lease losses$2,568,000617
Total noninterest income$2,162,000666
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$902,000421
Trading account gains and fees$0175
Additional Noninterest Income$1,260,000669
Total noninterest expense$7,953,000636
Salaries and employee benefits$3,844,000629
Premises and equipment expense$1,883,000366
Additional noninterest expense$2,226,000811
Pre-tax net operating income$-2,190,0007,623
Securities gains (losses)$02,284
Applicable income taxes$04,611
Income before extraordinary items$-2,190,0007,662
Extraordinary gains, net$016
Net income$-2,190,0007,663
Minority interest net income$091
Net income of bank and minority interests.$-2,190,0007,663
Net charge-offs$2,916,000494
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$-2,190,0007,658
2009-12-31 (YTD Data)Rank
Total interest income$37,205,000909
Total interest expense$13,708,000858
Net interest income$23,497,000919
Provision for loan and lease losses$13,567,000661
Total noninterest income$8,683,000719
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$3,500,000479
Trading account gains and fees$0211
Additional Noninterest Income$5,183,000693
Total noninterest expense$33,111,000633
Salaries and employee benefits$15,380,000615
Premises and equipment expense$8,020,000341
Additional noninterest expense$9,711,000818
Pre-tax net operating income$-14,498,0007,618
Securities gains (losses)$1,081,000467
Applicable income taxes$-256,0006,827
Income before extraordinary items$-13,161,0007,635
Extraordinary gains, net$034
Net income$-13,161,0007,633
Minority interest net income$0115
Net income of bank and minority interests.$-13,161,0007,634
Net charge-offs$7,288,000865
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-14,220,3807,660
2009-09-30 (YTD Data)Rank
Total interest income$28,337,000910
Total interest expense$10,799,000857
Net interest income$17,538,000929
Provision for loan and lease losses$11,409,000560
Total noninterest income$6,088,000753
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$2,536,000497
Trading account gains and fees$0212
Additional Noninterest Income$3,552,000756
Total noninterest expense$24,421,000644
Salaries and employee benefits$11,387,000646
Premises and equipment expense$6,282,000339
Additional noninterest expense$6,752,000836
Pre-tax net operating income$-12,204,0007,790
Securities gains (losses)$1,081,000353
Applicable income taxes$88,0002,971
Income before extraordinary items$-11,211,0007,805
Extraordinary gains, net$027
Net income$-11,211,0007,803
Minority interest net income$0118
Net income of bank and minority interests.$-11,211,0007,804
Net charge-offs$5,183,000792
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-12,292,0007,832
2009-06-30 (YTD Data)Rank
Total interest income$19,020,000928
Total interest expense$7,399,000877
Net interest income$11,621,000929
Provision for loan and lease losses$7,644,000549
Total noninterest income$3,912,000786
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$1,570,000522
Trading account gains and fees$0193
Additional Noninterest Income$2,342,000773
Total noninterest expense$16,261,000658
Salaries and employee benefits$7,492,000670
Premises and equipment expense$4,270,000340
Additional noninterest expense$4,499,000850
Pre-tax net operating income$-8,372,0007,879
Securities gains (losses)$1,081,000268
Applicable income taxes$60,0003,028
Income before extraordinary items$-7,351,0007,891
Extraordinary gains, net$021
Net income$-7,351,0007,890
Minority interest net income$0112
Net income of bank and minority interests.$-7,351,0007,890
Net charge-offs$2,506,000972
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-8,432,0007,923
2009-03-31 (YTD Data)Rank
Total interest income$9,575,000928
Total interest expense$3,858,000873
Net interest income$5,717,000938
Provision for loan and lease losses$2,664,000614
Total noninterest income$1,904,000773
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$766,000528
Trading account gains and fees$0171
Additional Noninterest Income$1,138,000763
Total noninterest expense$7,872,000650
Salaries and employee benefits$3,904,000636
Premises and equipment expense$2,170,000337
Additional noninterest expense$1,798,000931
Pre-tax net operating income$-2,915,0007,934
Securities gains (losses)$1,081,000176
Applicable income taxes$1,0004,679
Income before extraordinary items$-1,835,0007,882
Extraordinary gains, net$015
Net income$-1,835,0007,883
Minority interest net income$0102
Net income of bank and minority interests.$-1,835,0007,883
Net charge-offs$1,252,000843
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-2,916,0007,977
2008-12-31 (YTD Data)Rank
Total interest income$45,400,000827
Total interest expense$18,289,000868
Net interest income$27,111,000793
Provision for loan and lease losses$6,617,000821
Total noninterest income$8,713,000668
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$3,206,000539
Trading account gains and fees$0154
Additional Noninterest Income$5,507,000604
Total noninterest expense$34,270,000577
Salaries and employee benefits$18,160,000528
Premises and equipment expense$8,461,000335
Additional noninterest expense$7,649,000859
Pre-tax net operating income$-5,063,0007,803
Securities gains (losses)$124,000979
Applicable income taxes$3,114,000457
Income before extraordinary items$-8,053,0007,950
Extraordinary gains, net$039
Net income$-8,053,0007,950
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,605,000873
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-8,177,0007,986
2008-09-30 (YTD Data)Rank
Total interest income$34,638,000827
Total interest expense$14,234,000875
Net interest income$20,404,000809
Provision for loan and lease losses$5,525,000610
Total noninterest income$6,618,000687
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$2,420,000543
Trading account gains and fees$0148
Additional Noninterest Income$4,198,000630
Total noninterest expense$25,716,000571
Salaries and employee benefits$13,853,000533
Premises and equipment expense$6,305,000339
Additional noninterest expense$5,558,000837
Pre-tax net operating income$-4,219,0008,095
Securities gains (losses)$124,000839
Applicable income taxes$-349,0007,789
Income before extraordinary items$-3,746,0008,067
Extraordinary gains, net$031
Net income$-3,746,0008,066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,822,000543
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-3,858,8408,127
2008-06-30 (YTD Data)Rank
Total interest income$23,420,000825
Total interest expense$10,126,000841
Net interest income$13,294,000819
Provision for loan and lease losses$1,331,0001,023
Total noninterest income$4,442,000704
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$1,615,000531
Trading account gains and fees$0149
Additional Noninterest Income$2,827,000645
Total noninterest expense$17,031,000577
Salaries and employee benefits$9,205,000543
Premises and equipment expense$4,194,000342
Additional noninterest expense$3,632,000826
Pre-tax net operating income$-626,0007,702
Securities gains (losses)$124,000825
Applicable income taxes$-173,0007,960
Income before extraordinary items$-329,0007,552
Extraordinary gains, net$021
Net income$-329,0007,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$454,0001,401
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-410,8407,615
2008-03-31 (YTD Data)Rank
Total interest income$12,208,000821
Total interest expense$5,728,000795
Net interest income$6,480,000836
Provision for loan and lease losses$681,000817
Total noninterest income$2,231,000692
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$806,000520
Trading account gains and fees$0158
Additional Noninterest Income$1,425,000639
Total noninterest expense$8,080,000599
Salaries and employee benefits$4,322,000584
Premises and equipment expense$2,044,000354
Additional noninterest expense$1,714,000838
Pre-tax net operating income$-50,0007,399
Securities gains (losses)$124,000623
Applicable income taxes$31,0004,027
Income before extraordinary items$43,0006,677
Extraordinary gains, net$015
Net income$43,0006,678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$557,000663
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-36,3607,391
2007-12-31 (YTD Data)Rank
Total interest income$52,413,000795
Total interest expense$27,517,000714
Net interest income$24,896,000886
Provision for loan and lease losses$1,638,000983
Total noninterest income$10,958,000577
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$3,225,000539
Trading account gains and fees$0178
Additional Noninterest Income$7,733,000485
Total noninterest expense$36,228,000521
Salaries and employee benefits$19,719,000491
Premises and equipment expense$8,473,000332
Additional noninterest expense$8,036,000716
Pre-tax net operating income$-2,012,0008,276
Securities gains (losses)$82,000663
Applicable income taxes$-562,0008,334
Income before extraordinary items$-1,368,0008,205
Extraordinary gains, net$039
Net income$-1,368,0008,202
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-51,0008,282
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$-1,426,2208,211
2007-09-30 (YTD Data)Rank
Total interest income$39,076,000804
Total interest expense$20,973,000699
Net interest income$18,103,000921
Provision for loan and lease losses$89,0004,391
Total noninterest income$8,208,000580
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$2,364,000542
Trading account gains and fees$0184
Additional Noninterest Income$5,844,000493
Total noninterest expense$27,392,000518
Salaries and employee benefits$15,072,000488
Premises and equipment expense$6,335,000330
Additional noninterest expense$5,985,000708
Pre-tax net operating income$-1,170,0008,327
Securities gains (losses)$82,000532
Applicable income taxes$311,0003,153
Income before extraordinary items$-1,399,0008,400
Extraordinary gains, net$033
Net income$-1,399,0008,397
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-111,0008,402
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$-1,481,0008,404
2007-06-30 (YTD Data)Rank
Total interest income$26,067,000810
Total interest expense$14,312,000695
Net interest income$11,755,000959
Provision for loan and lease losses$06,209
Total noninterest income$5,401,000607
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,513,000580
Trading account gains and fees$0168
Additional Noninterest Income$3,888,000512
Total noninterest expense$18,494,000528
Salaries and employee benefits$10,439,000490
Premises and equipment expense$4,222,000342
Additional noninterest expense$3,833,000744
Pre-tax net operating income$-1,338,0008,509
Securities gains (losses)$82,000445
Applicable income taxes$310,0002,697
Income before extraordinary items$-1,566,0008,547
Extraordinary gains, net$029
Net income$-1,566,0008,544
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-118,0008,467
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-1,648,0008,543
2007-03-31 (YTD Data)Rank
Total interest income$12,736,000817
Total interest expense$6,894,000709
Net interest income$5,842,000956
Provision for loan and lease losses$05,779
Total noninterest income$2,849,000570
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$703,000591
Trading account gains and fees$0195
Additional Noninterest Income$2,146,000473
Total noninterest expense$8,742,000546
Salaries and employee benefits$4,994,000512
Premises and equipment expense$2,123,000339
Additional noninterest expense$1,625,000845
Pre-tax net operating income$-51,0008,036
Securities gains (losses)$82,000338
Applicable income taxes$185,0002,510
Income before extraordinary items$-154,0008,269
Extraordinary gains, net$022
Net income$-154,0008,268
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-85,0008,487
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$-206,4808,326
2006-12-31 (YTD Data)Rank
Total interest income$45,616,000847
Total interest expense$21,598,000777
Net interest income$24,018,000921
Provision for loan and lease losses$452,0002,057
Total noninterest income$10,675,000576
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$2,520,000700
Trading account gains and fees$0130
Additional Noninterest Income$8,155,000476
Total noninterest expense$38,521,000486
Salaries and employee benefits$20,832,000460
Premises and equipment expense$7,860,000340
Additional noninterest expense$9,829,000572
Pre-tax net operating income$-4,280,0008,658
Securities gains (losses)$59,000653
Applicable income taxes$154,0004,571
Income before extraordinary items$-4,375,0008,662
Extraordinary gains, net$051
Net income$-4,375,0008,662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0004,465
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$-4,434,0008,656
2006-09-30 (YTD Data)Rank
Total interest income$33,296,000873
Total interest expense$15,252,000804
Net interest income$18,044,000946
Provision for loan and lease losses$377,0001,786
Total noninterest income$6,425,000709
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$1,822,000736
Trading account gains and fees$0126
Additional Noninterest Income$4,603,000588
Total noninterest expense$25,198,000554
Salaries and employee benefits$14,124,000518
Premises and equipment expense$5,653,000357
Additional noninterest expense$5,421,000750
Pre-tax net operating income$-1,106,0008,609
Securities gains (losses)$59,000531
Applicable income taxes$508,0002,850
Income before extraordinary items$-1,555,0008,675
Extraordinary gains, net$045
Net income$-1,555,0008,675
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0003,378
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$-1,614,0008,672
2006-06-30 (YTD Data)Rank
Total interest income$21,290,000895
Total interest expense$9,543,000812
Net interest income$11,747,000968
Provision for loan and lease losses$323,0001,380
Total noninterest income$4,627,000663
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,203,000732
Trading account gains and fees$0126
Additional Noninterest Income$3,424,000547
Total noninterest expense$15,378,000611
Salaries and employee benefits$9,220,000540
Premises and equipment expense$3,562,000379
Additional noninterest expense$2,596,0001,035
Pre-tax net operating income$673,0004,725
Securities gains (losses)$59,000426
Applicable income taxes$256,0003,266
Income before extraordinary items$476,0005,007
Extraordinary gains, net$039
Net income$476,0005,012
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0003,293
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$437,6505,180
2006-03-31 (YTD Data)Rank
Total interest income$10,055,000923
Total interest expense$4,284,000861
Net interest income$5,771,000983
Provision for loan and lease losses$187,0001,207
Total noninterest income$2,166,000688
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$583,000723
Trading account gains and fees$0115
Additional Noninterest Income$1,583,000577
Total noninterest expense$7,362,000625
Salaries and employee benefits$4,393,000562
Premises and equipment expense$1,698,000392
Additional noninterest expense$1,271,0001,058
Pre-tax net operating income$388,0004,350
Securities gains (losses)$59,000325
Applicable income taxes$156,0002,978
Income before extraordinary items$291,0004,492
Extraordinary gains, net$021
Net income$291,0004,492
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0006,875
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$252,6504,822
2005-12-31 (YTD Data)Rank
Total interest income$27,810,0001,204
Total interest expense$10,990,0001,019
Net interest income$16,820,0001,296
Provision for loan and lease losses$2,996,000362
Total noninterest income$6,552,000866
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$2,303,000754
Trading account gains and fees$0138
Additional Noninterest Income$4,249,000765
Total noninterest expense$20,901,000804
Salaries and employee benefits$10,504,000866
Premises and equipment expense$4,625,000528
Additional noninterest expense$5,772,000894
Pre-tax net operating income$-525,0008,510
Securities gains (losses)$7,0001,594
Applicable income taxes$-159,0008,656
Income before extraordinary items$-359,0008,483
Extraordinary gains, net$046
Net income$-359,0008,483
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$648,000946
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$-363,8308,471
2005-09-30 (YTD Data)Rank
Total interest income$19,216,0001,266
Total interest expense$7,454,0001,066
Net interest income$11,762,0001,371
Provision for loan and lease losses$2,425,000326
Total noninterest income$4,765,000892
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$1,742,000744
Trading account gains and fees$0126
Additional Noninterest Income$3,023,000803
Total noninterest expense$15,214,000828
Salaries and employee benefits$7,589,000892
Premises and equipment expense$3,352,000542
Additional noninterest expense$4,273,000888
Pre-tax net operating income$-1,112,0008,740
Securities gains (losses)$7,0001,597
Applicable income taxes$-369,0008,808
Income before extraordinary items$-736,0008,705
Extraordinary gains, net$035
Net income$-736,0008,705
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$262,0001,394
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$-740,6908,683
2005-06-30 (YTD Data)Rank
Total interest income$11,883,0001,320
Total interest expense$4,452,0001,117
Net interest income$7,431,0001,422
Provision for loan and lease losses$06,626
Total noninterest income$3,081,000903
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$1,115,000756
Trading account gains and fees$0116
Additional Noninterest Income$1,966,000817
Total noninterest expense$9,816,000856
Salaries and employee benefits$4,844,000925
Premises and equipment expense$2,178,000548
Additional noninterest expense$2,794,000901
Pre-tax net operating income$696,0004,640
Securities gains (losses)$7,0001,472
Applicable income taxes$248,0003,426
Income before extraordinary items$455,0005,124
Extraordinary gains, net$030
Net income$455,0005,125
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-21,0008,165
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$450,4505,104
2005-03-31 (YTD Data)Rank
Total interest income$5,493,0001,402
Total interest expense$2,045,0001,155
Net interest income$3,448,0001,542
Provision for loan and lease losses$06,226
Total noninterest income$1,204,0001,082
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$520,000789
Trading account gains and fees$0115
Additional Noninterest Income$684,0001,063
Total noninterest expense$4,515,000922
Salaries and employee benefits$2,309,000967
Premises and equipment expense$1,044,000563
Additional noninterest expense$1,162,0001,064
Pre-tax net operating income$137,0006,727
Securities gains (losses)$01,685
Applicable income taxes$50,0004,748
Income before extraordinary items$87,0007,108
Extraordinary gains, net$024
Net income$87,0007,108
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0007,933
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$87,0007,079
2004-12-31 (YTD Data)Rank
Total interest income$15,522,0001,842
Total interest expense$4,230,0001,927
Net interest income$11,292,0001,788
Provision for loan and lease losses$567,0001,759
Total noninterest income$4,159,0001,234
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$1,760,0001,009
Trading account gains and fees$0138
Additional Noninterest Income$2,399,0001,161
Total noninterest expense$19,224,000844
Salaries and employee benefits$9,812,000875
Premises and equipment expense$3,842,000606
Additional noninterest expense$5,570,000901
Pre-tax net operating income$-4,340,0008,951
Securities gains (losses)$197,000838
Applicable income taxes$-1,429,0008,950
Income before extraordinary items$-2,714,0008,937
Extraordinary gains, net$034
Net income$-2,714,0008,938
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,365,000614
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$-2,844,0208,931
2004-09-30 (YTD Data)Rank
Total interest income$10,612,0001,977
Total interest expense$2,617,0002,256
Net interest income$7,995,0001,887
Provision for loan and lease losses$567,0001,293
Total noninterest income$3,109,0001,267
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$1,197,0001,117
Trading account gains and fees$0134
Additional Noninterest Income$1,912,0001,121
Total noninterest expense$14,459,000845
Salaries and employee benefits$7,705,000838
Premises and equipment expense$2,816,000620
Additional noninterest expense$3,938,000947
Pre-tax net operating income$-3,922,0009,004
Securities gains (losses)$197,000768
Applicable income taxes$-1,283,0009,002
Income before extraordinary items$-2,442,0008,991
Extraordinary gains, net$026
Net income$-2,442,0008,992
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,197,000502
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$-2,572,0208,986
2004-06-30 (YTD Data)Rank
Total interest income$6,594,0002,123
Total interest expense$1,608,0002,414
Net interest income$4,986,0001,998
Provision for loan and lease losses$150,0002,691
Total noninterest income$1,934,0001,319
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$675,0001,310
Trading account gains and fees$0130
Additional Noninterest Income$1,259,0001,131
Total noninterest expense$9,474,000860
Salaries and employee benefits$5,000,000855
Premises and equipment expense$1,805,000644
Additional noninterest expense$2,669,000934
Pre-tax net operating income$-2,704,0009,057
Securities gains (losses)$179,000700
Applicable income taxes$-863,0009,051
Income before extraordinary items$-1,662,0009,045
Extraordinary gains, net$021
Net income$-1,662,0009,046
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0005,291
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-1,780,1409,035
2004-03-31 (YTD Data)Rank
Total interest income$3,187,0002,197
Total interest expense$761,0002,574
Net interest income$2,426,0002,064
Provision for loan and lease losses$51,0003,263
Total noninterest income$864,0001,403
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$318,0001,348
Trading account gains and fees$0121
Additional Noninterest Income$546,0001,212
Total noninterest expense$4,550,000905
Salaries and employee benefits$2,343,000925
Premises and equipment expense$898,000647
Additional noninterest expense$1,309,000949
Pre-tax net operating income$-1,311,0009,093
Securities gains (losses)$179,000549
Applicable income taxes$-376,0009,088
Income before extraordinary items$-756,0009,082
Extraordinary gains, net$016
Net income$-756,0009,082
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0004,804
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-875,9309,074
2003-12-31 (YTD Data)Rank
Total interest income$10,476,0002,698
Total interest expense$3,195,0002,703
Net interest income$7,281,0002,654
Provision for loan and lease losses$927,0001,275
Total noninterest income$2,418,0001,999
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,131,0001,522
Trading account gains and fees$0160
Additional Noninterest Income$1,287,0002,020
Total noninterest expense$15,448,0001,051
Salaries and employee benefits$8,189,0001,037
Premises and equipment expense$2,875,000782
Additional noninterest expense$4,384,0001,149
Pre-tax net operating income$-6,676,0009,150
Securities gains (losses)$04,500
Applicable income taxes$-2,317,0009,159
Income before extraordinary items$-4,359,0009,152
Extraordinary gains, net$054
Net income$-4,359,0009,153
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,475
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-4,359,0009,127
2003-09-30 (YTD Data)Rank
Total interest income$7,520,0002,855
Total interest expense$2,317,0002,879
Net interest income$5,203,0002,795
Provision for loan and lease losses$737,0001,166
Total noninterest income$1,739,0002,119
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$834,0001,552
Trading account gains and fees$0153
Additional Noninterest Income$905,0002,195
Total noninterest expense$11,010,0001,110
Salaries and employee benefits$5,735,0001,106
Premises and equipment expense$2,089,000820
Additional noninterest expense$3,186,0001,189
Pre-tax net operating income$-4,805,0009,199
Securities gains (losses)$04,204
Applicable income taxes$-1,665,0009,212
Income before extraordinary items$-3,140,0009,213
Extraordinary gains, net$040
Net income$-3,140,0009,213
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0005,062
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$-3,140,0009,185
2003-06-30 (YTD Data)Rank
Total interest income$4,809,0003,002
Total interest expense$1,510,0003,027
Net interest income$3,299,0002,912
Provision for loan and lease losses$4,0007,175
Total noninterest income$1,133,0002,154
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$499,0001,698
Trading account gains and fees$0150
Additional Noninterest Income$634,0002,115
Total noninterest expense$7,268,0001,126
Salaries and employee benefits$3,791,0001,122
Premises and equipment expense$1,371,000830
Additional noninterest expense$2,106,0001,195
Pre-tax net operating income$-2,840,0009,233
Securities gains (losses)$03,782
Applicable income taxes$-977,0009,244
Income before extraordinary items$-1,863,0009,245
Extraordinary gains, net$030
Net income$-1,863,0009,245
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0004,910
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-1,863,0009,214
2003-03-31 (YTD Data)Rank
Total interest income$2,363,0003,058
Total interest expense$751,0003,120
Net interest income$1,612,0002,969
Provision for loan and lease losses$-32,0009,219
Total noninterest income$493,0002,304
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$222,0001,839
Trading account gains and fees$0134
Additional Noninterest Income$271,0002,249
Total noninterest expense$3,429,0001,171
Salaries and employee benefits$1,763,0001,210
Premises and equipment expense$642,000895
Additional noninterest expense$1,024,0001,193
Pre-tax net operating income$-1,292,0009,272
Securities gains (losses)$02,891
Applicable income taxes$-435,0009,282
Income before extraordinary items$-857,0009,276
Extraordinary gains, net$021
Net income$-857,0009,274
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0003,949
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-857,0009,246
2002-12-31 (YTD Data)Rank
Total interest income$8,536,0003,447
Total interest expense$3,460,0003,140
Net interest income$5,076,0003,631
Provision for loan and lease losses$1,985,000736
Total noninterest income$1,636,0002,474
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$657,0002,377
Trading account gains and fees$0153
Additional Noninterest Income$979,0002,214
Total noninterest expense$11,853,0001,298
Salaries and employee benefits$6,010,0001,357
Premises and equipment expense$2,387,000911
Additional noninterest expense$3,456,0001,374
Pre-tax net operating income$-7,126,0009,320
Securities gains (losses)$04,537
Applicable income taxes$-2,489,0009,326
Income before extraordinary items$-4,637,0009,322
Extraordinary gains, net$070
Net income$-4,637,0009,321
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0005,476
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-4,637,0009,303
2001-12-31 (YTD Data)Rank
Total interest income$4,057,0006,307
Total interest expense$2,048,0006,021
Net interest income$2,009,0006,422
Provision for loan and lease losses$404,0002,602
Total noninterest income$1,075,0003,173
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$219,0004,955
Trading account gains and fees$0177
Additional Noninterest Income$856,0002,284
Total noninterest expense$8,046,0001,803
Salaries and employee benefits$4,025,0001,868
Premises and equipment expense$1,739,0001,221
Additional noninterest expense$2,282,0001,968
Pre-tax net operating income$-5,366,0009,570
Securities gains (losses)$04,612
Applicable income taxes$-3,380,0009,589
Income before extraordinary items$-1,986,0009,525
Extraordinary gains, net$0105
Net income$-1,986,0009,525
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,392
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-1,986,0009,502
2000-12-31 (YTD Data)Rank
Total interest income$486,0009,706
Total interest expense$45,0009,786
Net interest income$441,0009,535
Provision for loan and lease losses$08,337
Total noninterest income$31,0009,572
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,0008,096
Trading account gains and feesNANA
Additional Noninterest Income$2,0009,744
Total noninterest expense$3,609,0003,605
Salaries and employee benefits$476,0008,366
Premises and equipment expense$197,0006,817
Additional noninterest expense$2,936,0001,521
Pre-tax net operating income$-3,137,0009,852
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-3,137,0009,843
Extraordinary gains, net$038
Net income$-3,137,0009,842
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$30,000,00018
Net operating income$-3,137,0009,845

* 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.