Home > Mirae Bank > Income and Expense
Mirae Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,614,000 | 1,608 |
| Total interest expense | $3,689,000 | 919 |
| Net interest income | $1,925,000 | 2,803 |
| Provision for loan and lease losses | $6,589,000 | 336 |
| Total noninterest income | $743,000 | 1,635 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $353,000 | 1,169 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $390,000 | 1,645 |
| Total noninterest expense | $3,239,000 | 1,553 |
| Salaries and employee benefits | $1,829,000 | 1,432 |
| Premises and equipment expense | $547,000 | 1,306 |
| Additional noninterest expense | $863,000 | 1,866 |
| Pre-tax net operating income | $-7,160,000 | 8,077 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $5,000 | 4,285 |
| Income before extraordinary items | $-7,165,000 | 8,095 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-7,165,000 | 8,095 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-7,165,000 | 8,095 |
| Net charge-offs | $-1,052,000 | 8,246 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-7,165,000 | 8,097 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $28,247,000 | 1,370 |
| Total interest expense | $14,151,000 | 1,146 |
| Net interest income | $14,096,000 | 1,585 |
| Provision for loan and lease losses | $35,521,000 | 245 |
| Total noninterest income | $3,689,000 | 1,348 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,533,000 | 1,171 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,156,000 | 1,235 |
| Total noninterest expense | $14,620,000 | 1,330 |
| Salaries and employee benefits | $8,478,000 | 1,174 |
| Premises and equipment expense | $2,082,000 | 1,320 |
| Additional noninterest expense | $4,060,000 | 1,523 |
| Pre-tax net operating income | $-32,356,000 | 8,158 |
| Securities gains (losses) | $197,000 | 722 |
| Applicable income taxes | $-1,645,000 | 7,871 |
| Income before extraordinary items | $-30,514,000 | 8,145 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-30,514,000 | 8,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,880,000 | 232 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-30,701,150 | 8,162 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,044,000 | 1,342 |
| Total interest expense | $10,652,000 | 1,186 |
| Net interest income | $11,392,000 | 1,486 |
| Provision for loan and lease losses | $9,761,000 | 411 |
| Total noninterest income | $2,905,000 | 1,332 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,146,000 | 1,184 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,759,000 | 1,212 |
| Total noninterest expense | $10,957,000 | 1,311 |
| Salaries and employee benefits | $6,666,000 | 1,132 |
| Premises and equipment expense | $1,562,000 | 1,327 |
| Additional noninterest expense | $2,729,000 | 1,639 |
| Pre-tax net operating income | $-6,421,000 | 8,169 |
| Securities gains (losses) | $191,000 | 645 |
| Applicable income taxes | $-2,316,000 | 8,203 |
| Income before extraordinary items | $-3,914,000 | 8,079 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,914,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,141,000 | 384 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,036,240 | 8,137 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,923,000 | 1,343 |
| Total interest expense | $7,188,000 | 1,223 |
| Net interest income | $7,735,000 | 1,450 |
| Provision for loan and lease losses | $4,117,000 | 495 |
| Total noninterest income | $2,004,000 | 1,326 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $757,000 | 1,181 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,247,000 | 1,211 |
| Total noninterest expense | $7,216,000 | 1,327 |
| Salaries and employee benefits | $4,280,000 | 1,205 |
| Premises and equipment expense | $1,039,000 | 1,331 |
| Additional noninterest expense | $1,897,000 | 1,552 |
| Pre-tax net operating income | $-1,594,000 | 8,102 |
| Securities gains (losses) | $131,000 | 800 |
| Applicable income taxes | $-854,000 | 8,256 |
| Income before extraordinary items | $-609,000 | 7,768 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-609,000 | 7,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,907,000 | 571 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-692,840 | 7,811 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,750,000 | 1,321 |
| Total interest expense | $3,738,000 | 1,255 |
| Net interest income | $4,012,000 | 1,389 |
| Provision for loan and lease losses | $1,309,000 | 529 |
| Total noninterest income | $941,000 | 1,396 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $373,000 | 1,180 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $568,000 | 1,287 |
| Total noninterest expense | $3,683,000 | 1,307 |
| Salaries and employee benefits | $2,185,000 | 1,176 |
| Premises and equipment expense | $525,000 | 1,317 |
| Additional noninterest expense | $973,000 | 1,473 |
| Pre-tax net operating income | $-39,000 | 7,362 |
| Securities gains (losses) | $101,000 | 710 |
| Applicable income taxes | $32,000 | 3,996 |
| Income before extraordinary items | $30,000 | 6,876 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $30,000 | 6,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $799,000 | 533 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-34,640 | 7,384 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $32,430,000 | 1,315 |
| Total interest expense | $15,368,000 | 1,302 |
| Net interest income | $17,062,000 | 1,311 |
| Provision for loan and lease losses | $4,775,000 | 422 |
| Total noninterest income | $5,875,000 | 962 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,438,000 | 1,231 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,437,000 | 763 |
| Total noninterest expense | $15,723,000 | 1,190 |
| Salaries and employee benefits | $9,133,000 | 1,099 |
| Premises and equipment expense | $1,835,000 | 1,456 |
| Additional noninterest expense | $4,755,000 | 1,190 |
| Pre-tax net operating income | $2,439,000 | 2,883 |
| Securities gains (losses) | $254,000 | 395 |
| Applicable income taxes | $1,095,000 | 1,755 |
| Income before extraordinary items | $1,598,000 | 3,304 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,598,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,477,000 | 524 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $155,000 | 819 |
| Net operating income | $1,435,440 | 3,536 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,053,000 | 1,336 |
| Total interest expense | $11,327,000 | 1,323 |
| Net interest income | $12,726,000 | 1,321 |
| Provision for loan and lease losses | $2,750,000 | 407 |
| Total noninterest income | $4,934,000 | 878 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,090,000 | 1,207 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,844,000 | 676 |
| Total noninterest expense | $11,518,000 | 1,207 |
| Salaries and employee benefits | $6,732,000 | 1,117 |
| Premises and equipment expense | $1,340,000 | 1,488 |
| Additional noninterest expense | $3,446,000 | 1,191 |
| Pre-tax net operating income | $3,392,000 | 1,899 |
| Securities gains (losses) | $105,000 | 487 |
| Applicable income taxes | $1,400,000 | 1,295 |
| Income before extraordinary items | $2,097,000 | 2,290 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,097,000 | 2,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,991,000 | 407 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,029,800 | 2,321 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,581,000 | 1,389 |
| Total interest expense | $7,383,000 | 1,358 |
| Net interest income | $8,198,000 | 1,391 |
| Provision for loan and lease losses | $1,524,000 | 411 |
| Total noninterest income | $3,047,000 | 959 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $739,000 | 1,197 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,308,000 | 761 |
| Total noninterest expense | $7,086,000 | 1,319 |
| Salaries and employee benefits | $3,937,000 | 1,293 |
| Premises and equipment expense | $900,000 | 1,487 |
| Additional noninterest expense | $2,249,000 | 1,232 |
| Pre-tax net operating income | $2,635,000 | 1,734 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,055,000 | 1,227 |
| Income before extraordinary items | $1,580,000 | 2,124 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,580,000 | 2,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,215,000 | 393 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,580,000 | 2,105 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,563,000 | 1,429 |
| Total interest expense | $3,637,000 | 1,365 |
| Net interest income | $3,926,000 | 1,461 |
| Provision for loan and lease losses | $750,000 | 360 |
| Total noninterest income | $1,442,000 | 981 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $377,000 | 1,139 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,065,000 | 798 |
| Total noninterest expense | $3,233,000 | 1,437 |
| Salaries and employee benefits | $1,775,000 | 1,461 |
| Premises and equipment expense | $436,000 | 1,538 |
| Additional noninterest expense | $1,022,000 | 1,317 |
| Pre-tax net operating income | $1,385,000 | 1,654 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $570,000 | 1,159 |
| Income before extraordinary items | $815,000 | 2,030 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $815,000 | 2,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $383,000 | 491 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $815,000 | 2,020 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,015,000 | 1,425 |
| Total interest expense | $13,763,000 | 1,225 |
| Net interest income | $14,252,000 | 1,611 |
| Provision for loan and lease losses | $2,645,000 | 431 |
| Total noninterest income | $6,237,000 | 914 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,973,000 | 901 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,264,000 | 769 |
| Total noninterest expense | $13,034,000 | 1,369 |
| Salaries and employee benefits | $6,711,000 | 1,475 |
| Premises and equipment expense | $1,457,000 | 1,744 |
| Additional noninterest expense | $4,866,000 | 1,101 |
| Pre-tax net operating income | $4,810,000 | 1,959 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $1,964,000 | 1,356 |
| Income before extraordinary items | $2,845,000 | 2,364 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,845,000 | 2,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,259,000 | 565 |
| Cash dividends | $50,000 | 5,682 |
| Sale, conversion, retirement of capital stock, net | $303,000 | 680 |
| Net operating income | $2,845,640 | 2,347 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,056,000 | 1,480 |
| Total interest expense | $10,017,000 | 1,225 |
| Net interest income | $10,039,000 | 1,734 |
| Provision for loan and lease losses | $2,345,000 | 344 |
| Total noninterest income | $4,971,000 | 882 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,525,000 | 872 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,446,000 | 724 |
| Total noninterest expense | $9,645,000 | 1,394 |
| Salaries and employee benefits | $4,942,000 | 1,514 |
| Premises and equipment expense | $1,024,000 | 1,846 |
| Additional noninterest expense | $3,679,000 | 1,098 |
| Pre-tax net operating income | $3,020,000 | 2,318 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,176,000 | 1,673 |
| Income before extraordinary items | $1,844,000 | 2,748 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,844,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $693,000 | 618 |
| Cash dividends | $50,000 | 5,012 |
| Sale, conversion, retirement of capital stock, net | $303,000 | 520 |
| Net operating income | $1,844,000 | 2,731 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,242,000 | 1,587 |
| Total interest expense | $6,066,000 | 1,293 |
| Net interest income | $6,176,000 | 1,890 |
| Provision for loan and lease losses | $1,795,000 | 299 |
| Total noninterest income | $3,647,000 | 810 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,057,000 | 822 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,590,000 | 662 |
| Total noninterest expense | $6,022,000 | 1,495 |
| Salaries and employee benefits | $2,868,000 | 1,708 |
| Premises and equipment expense | $607,000 | 2,066 |
| Additional noninterest expense | $2,547,000 | 1,063 |
| Pre-tax net operating income | $2,006,000 | 2,304 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $846,000 | 1,595 |
| Income before extraordinary items | $1,160,000 | 2,875 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,160,000 | 2,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $661,000 | 468 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $303,000 | 383 |
| Net operating income | $1,160,000 | 2,863 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,282,000 | 1,820 |
| Total interest expense | $2,606,000 | 1,412 |
| Net interest income | $2,676,000 | 2,173 |
| Provision for loan and lease losses | $450,000 | 528 |
| Total noninterest income | $1,579,000 | 892 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $572,000 | 735 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,007,000 | 802 |
| Total noninterest expense | $2,901,000 | 1,548 |
| Salaries and employee benefits | $1,376,000 | 1,792 |
| Premises and equipment expense | $278,000 | 2,247 |
| Additional noninterest expense | $1,247,000 | 1,072 |
| Pre-tax net operating income | $904,000 | 2,454 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $450,000 | 1,512 |
| Income before extraordinary items | $454,000 | 3,395 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $454,000 | 3,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 428 |
| Net operating income | $454,000 | 3,372 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,579,000 | 3,004 |
| Total interest expense | $4,063,000 | 2,625 |
| Net interest income | $6,516,000 | 3,203 |
| Provision for loan and lease losses | $1,079,000 | 983 |
| Total noninterest income | $7,697,000 | 755 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,192,000 | 794 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,505,000 | 636 |
| Total noninterest expense | $8,603,000 | 1,947 |
| Salaries and employee benefits | $4,247,000 | 2,163 |
| Premises and equipment expense | $705,000 | 3,210 |
| Additional noninterest expense | $3,651,000 | 1,403 |
| Pre-tax net operating income | $4,531,000 | 2,015 |
| Securities gains (losses) | $-33,000 | 8,031 |
| Applicable income taxes | $1,851,000 | 1,448 |
| Income before extraordinary items | $2,647,000 | 2,486 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,647,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,521 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $22,536,000 | 57 |
| Net operating income | $2,668,120 | 2,433 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,484,000 | 3,478 |
| Total interest expense | $2,342,000 | 3,081 |
| Net interest income | $4,142,000 | 3,660 |
| Provision for loan and lease losses | $549,000 | 1,291 |
| Total noninterest income | $5,785,000 | 765 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,685,000 | 769 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,100,000 | 639 |
| Total noninterest expense | $5,518,000 | 2,257 |
| Salaries and employee benefits | $2,659,000 | 2,531 |
| Premises and equipment expense | $503,000 | 3,345 |
| Additional noninterest expense | $2,356,000 | 1,592 |
| Pre-tax net operating income | $3,860,000 | 1,824 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,616,000 | 1,301 |
| Income before extraordinary items | $2,244,000 | 2,264 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,244,000 | 2,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,094 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $605,000 | 389 |
| Net operating income | $2,244,000 | 2,231 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,675,000 | 3,894 |
| Total interest expense | $1,195,000 | 3,627 |
| Net interest income | $2,480,000 | 3,947 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $3,740,000 | 765 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,144,000 | 738 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,596,000 | 658 |
| Total noninterest expense | $3,298,000 | 2,473 |
| Salaries and employee benefits | $1,559,000 | 2,824 |
| Premises and equipment expense | $320,000 | 3,440 |
| Additional noninterest expense | $1,419,000 | 1,740 |
| Pre-tax net operating income | $2,682,000 | 1,732 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,069,000 | 1,298 |
| Income before extraordinary items | $1,613,000 | 2,100 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,613,000 | 2,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 798 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $504,000 | 285 |
| Net operating income | $1,613,000 | 2,067 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 4,187 |
| Total interest expense | $478,000 | 4,148 |
| Net interest income | $1,171,000 | 4,142 |
| Provision for loan and lease losses | $137,000 | 1,579 |
| Total noninterest income | $1,469,000 | 915 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $549,000 | 739 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $920,000 | 839 |
| Total noninterest expense | $1,508,000 | 2,701 |
| Salaries and employee benefits | $745,000 | 2,943 |
| Premises and equipment expense | $154,000 | 3,579 |
| Additional noninterest expense | $609,000 | 2,012 |
| Pre-tax net operating income | $995,000 | 2,174 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $395,000 | 1,619 |
| Income before extraordinary items | $600,000 | 2,619 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $600,000 | 2,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 478 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $402,000 | 177 |
| Net operating income | $600,000 | 2,585 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,365,000 | 5,282 |
| Total interest expense | $1,100,000 | 5,382 |
| Net interest income | $3,265,000 | 5,144 |
| Provision for loan and lease losses | $787,000 | 1,306 |
| Total noninterest income | $3,060,000 | 1,573 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,834,000 | 953 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,226,000 | 1,878 |
| Total noninterest expense | $4,689,000 | 3,307 |
| Salaries and employee benefits | $2,394,000 | 3,465 |
| Premises and equipment expense | $580,000 | 3,630 |
| Additional noninterest expense | $1,715,000 | 2,784 |
| Pre-tax net operating income | $849,000 | 5,650 |
| Securities gains (losses) | $10,000 | 2,824 |
| Applicable income taxes | $338,000 | 3,995 |
| Income before extraordinary items | $521,000 | 6,284 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $521,000 | 6,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,743 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $1,036,000 | 397 |
| Net operating income | $514,600 | 6,233 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,032,000 | 5,521 |
| Total interest expense | $714,000 | 5,771 |
| Net interest income | $2,318,000 | 5,315 |
| Provision for loan and lease losses | $593,000 | 1,250 |
| Total noninterest income | $1,835,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,298,000 | 1,032 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $537,000 | 2,680 |
| Total noninterest expense | $3,063,000 | 3,652 |
| Salaries and employee benefits | $1,656,000 | 3,673 |
| Premises and equipment expense | $425,000 | 3,712 |
| Additional noninterest expense | $982,000 | 3,482 |
| Pre-tax net operating income | $497,000 | 6,337 |
| Securities gains (losses) | $10,000 | 2,712 |
| Applicable income taxes | $212,000 | 4,354 |
| Income before extraordinary items | $295,000 | 6,928 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $295,000 | 6,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,038 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $1,004,000 | 305 |
| Net operating income | $288,600 | 6,906 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,902,000 | 5,705 |
| Total interest expense | $429,000 | 6,086 |
| Net interest income | $1,473,000 | 5,465 |
| Provision for loan and lease losses | $333,000 | 1,422 |
| Total noninterest income | $1,051,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $843,000 | 1,047 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $208,000 | 3,654 |
| Total noninterest expense | $1,925,000 | 3,855 |
| Salaries and employee benefits | $1,008,000 | 3,950 |
| Premises and equipment expense | $278,000 | 3,769 |
| Additional noninterest expense | $639,000 | 3,555 |
| Pre-tax net operating income | $266,000 | 6,730 |
| Securities gains (losses) | $10,000 | 2,414 |
| Applicable income taxes | $116,000 | 4,650 |
| Income before extraordinary items | $160,000 | 7,262 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $160,000 | 7,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 1,694 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $382,000 | 287 |
| Net operating income | $153,600 | 7,234 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $934,000 | 5,807 |
| Total interest expense | $193,000 | 6,436 |
| Net interest income | $741,000 | 5,452 |
| Provision for loan and lease losses | $132,000 | 1,698 |
| Total noninterest income | $497,000 | 2,170 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $404,000 | 1,062 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $93,000 | 3,862 |
| Total noninterest expense | $1,024,000 | 3,680 |
| Salaries and employee benefits | $537,000 | 3,790 |
| Premises and equipment expense | $133,000 | 3,917 |
| Additional noninterest expense | $354,000 | 3,249 |
| Pre-tax net operating income | $82,000 | 7,438 |
| Securities gains (losses) | $10,000 | 2,045 |
| Applicable income taxes | $39,000 | 5,128 |
| Income before extraordinary items | $53,000 | 7,729 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $53,000 | 7,729 |
| 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 | $46,600 | 7,794 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,247,000 | 7,315 |
| Total interest expense | $759,000 | 6,844 |
| Net interest income | $1,488,000 | 7,380 |
| Provision for loan and lease losses | $556,000 | 1,987 |
| Total noninterest income | $1,816,000 | 2,478 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,342,000 | 1,293 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $474,000 | 3,672 |
| Total noninterest expense | $3,328,000 | 4,292 |
| Salaries and employee benefits | $1,876,000 | 4,129 |
| Premises and equipment expense | $541,000 | 3,831 |
| Additional noninterest expense | $911,000 | 4,580 |
| Pre-tax net operating income | $-580,000 | 8,855 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $-240,000 | 9,033 |
| Income before extraordinary items | $-337,000 | 8,836 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-337,000 | 8,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,903 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $6,746,000 | 156 |
| Net operating income | $-338,920 | 8,773 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,493,000 | 7,644 |
| Total interest expense | $576,000 | 6,960 |
| Net interest income | $917,000 | 7,845 |
| Provision for loan and lease losses | $468,000 | 1,757 |
| Total noninterest income | $1,148,000 | 2,871 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $936,000 | 1,397 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $212,000 | 4,677 |
| Total noninterest expense | $2,348,000 | 4,469 |
| Salaries and employee benefits | $1,284,000 | 4,406 |
| Premises and equipment expense | $403,000 | 3,830 |
| Additional noninterest expense | $661,000 | 4,675 |
| Pre-tax net operating income | $-751,000 | 9,030 |
| Securities gains (losses) | $3,000 | 3,777 |
| Applicable income taxes | $-278,000 | 9,142 |
| Income before extraordinary items | $-470,000 | 9,018 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-470,000 | 9,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 2,769 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-471,920 | 8,959 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $862,000 | 8,002 |
| Total interest expense | $366,000 | 7,220 |
| Net interest income | $496,000 | 8,219 |
| Provision for loan and lease losses | $351,000 | 1,579 |
| Total noninterest income | $635,000 | 3,213 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $559,000 | 1,525 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $76,000 | 5,812 |
| Total noninterest expense | $1,516,000 | 4,547 |
| Salaries and employee benefits | $825,000 | 4,517 |
| Premises and equipment expense | $263,000 | 3,880 |
| Additional noninterest expense | $428,000 | 4,768 |
| Pre-tax net operating income | $-736,000 | 9,127 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $-273,000 | 9,198 |
| Income before extraordinary items | $-460,000 | 9,122 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-460,000 | 9,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 2,099 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-461,920 | 9,064 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $370,000 | 8,291 |
| Total interest expense | $176,000 | 7,410 |
| Net interest income | $194,000 | 8,599 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $240,000 | 3,730 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $220,000 | 1,862 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $676,000 | 4,916 |
| Salaries and employee benefits | $371,000 | 4,889 |
| Premises and equipment expense | $135,000 | 3,814 |
| Additional noninterest expense | $170,000 | 5,545 |
| Pre-tax net operating income | $-352,000 | 9,165 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-150,000 | 9,244 |
| Income before extraordinary items | $-202,000 | 9,135 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-202,000 | 9,132 |
| 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 | $-202,000 | 9,073 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $408,000 | 9,203 |
| Total interest expense | $181,000 | 9,093 |
| Net interest income | $227,000 | 9,224 |
| Provision for loan and lease losses | $214,000 | 4,227 |
| Total noninterest income | $250,000 | 6,857 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $211,000 | 5,085 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 7,905 |
| Total noninterest expense | $2,211,000 | 5,516 |
| Salaries and employee benefits | $786,000 | 6,930 |
| Premises and equipment expense | $338,000 | 5,198 |
| Additional noninterest expense | $1,087,000 | 3,923 |
| Pre-tax net operating income | $-1,948,000 | 9,246 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-788,000 | 9,283 |
| Income before extraordinary items | $-1,160,000 | 9,212 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,160,000 | 9,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $9,598,000 | 66 |
| Net operating income | $-1,160,000 | 9,175 |
* 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.