Home > Pinehurst Bank > Income and Expense

Pinehurst Bank, Income and Expense

2010-03-31 (YTD Data)		Rank
Total interest income	$873,000	5,934
Total interest expense	$303,000	5,179
Net interest income	$570,000	6,124
Provision for loan and lease losses	$1,161,000	1,063
Total noninterest income	$70,000	5,638
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$9,000	6,608
Trading account gains and fees	$0	175
Additional Noninterest Income	$61,000	4,353
Total noninterest expense	$684,000	5,364
Salaries and employee benefits	$277,000	5,995
Premises and equipment expense	$88,000	5,241
Additional noninterest expense	$319,000	4,424
Pre-tax net operating income	$-1,205,000	7,471
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-1,205,000	7,517
Extraordinary gains, net	$0	16
Net income	$-1,205,000	7,518
Minority interest net income	$0	91
Net income of bank and minority interests.	$-1,205,000	7,518
Net charge-offs	$375,000	1,827
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$4,000	934
Net operating income	$-1,205,000	7,514
2009-12-31 (YTD Data)		Rank
Total interest income	$3,828,000	5,819
Total interest expense	$1,605,000	5,004
Net interest income	$2,223,000	6,132
Provision for loan and lease losses	$5,459,000	1,339
Total noninterest income	$108,000	6,928
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$78,000	6,049
Trading account gains and fees	$0	211
Additional Noninterest Income	$30,000	6,737
Total noninterest expense	$2,116,000	6,091
Salaries and employee benefits	$1,049,000	6,137
Premises and equipment expense	$303,000	5,619
Additional noninterest expense	$764,000	5,929
Pre-tax net operating income	$-5,244,000	7,198
Securities gains (losses)	$0	3,754
Applicable income taxes	$2,000	4,160
Income before extraordinary items	$-5,246,000	7,284
Extraordinary gains, net	$0	34
Net income	$-5,246,000	7,284
Minority interest net income	$0	115
Net income of bank and minority interests.	$-5,246,000	7,284
Net charge-offs	$2,287,000	1,879
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$46,000	1,079
Net operating income	$-5,246,000	7,306
2009-09-30 (YTD Data)		Rank
Total interest income	$2,872,000	5,882
Total interest expense	$1,216,000	5,114
Net interest income	$1,656,000	6,155
Provision for loan and lease losses	$2,918,000	1,508
Total noninterest income	$86,000	6,980
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$63,000	6,020
Trading account gains and fees	$0	212
Additional Noninterest Income	$23,000	6,907
Total noninterest expense	$1,572,000	6,141
Salaries and employee benefits	$783,000	6,176
Premises and equipment expense	$240,000	5,553
Additional noninterest expense	$549,000	6,037
Pre-tax net operating income	$-2,748,000	7,231
Securities gains (losses)	$0	3,497
Applicable income taxes	$1,000	4,465
Income before extraordinary items	$-2,749,000	7,336
Extraordinary gains, net	$0	27
Net income	$-2,749,000	7,336
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,749,000	7,336
Net charge-offs	$1,087,000	2,112
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$34,000	1,001
Net operating income	$-2,749,000	7,323
2009-06-30 (YTD Data)		Rank
Total interest income	$1,908,000	5,946
Total interest expense	$830,000	5,188
Net interest income	$1,078,000	6,223
Provision for loan and lease losses	$203,000	4,301
Total noninterest income	$57,000	7,037
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$42,000	6,029
Trading account gains and fees	$0	193
Additional Noninterest Income	$15,000	7,005
Total noninterest expense	$1,057,000	6,165
Salaries and employee benefits	$511,000	6,298
Premises and equipment expense	$179,000	5,353
Additional noninterest expense	$367,000	6,043
Pre-tax net operating income	$-125,000	6,139
Securities gains (losses)	$0	3,136
Applicable income taxes	$1,000	4,523
Income before extraordinary items	$-126,000	6,240
Extraordinary gains, net	$0	21
Net income	$-126,000	6,239
Minority interest net income	$0	112
Net income of bank and minority interests.	$-126,000	6,239
Net charge-offs	$19,000	5,648
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$23,000	973
Net operating income	$-126,000	6,203
2009-03-31 (YTD Data)		Rank
Total interest income	$981,000	5,919
Total interest expense	$417,000	5,286
Net interest income	$564,000	6,115
Provision for loan and lease losses	$75,000	4,299
Total noninterest income	$26,000	7,178
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	$8,000	7,040
Total noninterest expense	$492,000	6,304
Salaries and employee benefits	$237,000	6,511
Premises and equipment expense	$103,000	5,042
Additional noninterest expense	$152,000	6,274
Pre-tax net operating income	$23,000	5,975
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$23,000	6,102
Extraordinary gains, net	$0	15
Net income	$23,000	6,104
Minority interest net income	$0	102
Net income of bank and minority interests.	$23,000	6,104
Net charge-offs	$0	5,728
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$23,000	5,942
2008-12-31 (YTD Data)		Rank
Total interest income	$3,781,000	6,138
Total interest expense	$1,635,000	5,789
Net interest income	$2,146,000	6,275
Provision for loan and lease losses	$738,000	3,158
Total noninterest income	$64,000	7,630
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$36,000	6,825
Trading account gains and fees	$0	154
Additional Noninterest Income	$28,000	7,222
Total noninterest expense	$2,297,000	5,859
Salaries and employee benefits	$991,000	6,435
Premises and equipment expense	$563,000	4,136
Additional noninterest expense	$743,000	5,669
Pre-tax net operating income	$-825,000	6,934
Securities gains (losses)	$0	3,220
Applicable income taxes	$0	4,979
Income before extraordinary items	$-825,000	6,909
Extraordinary gains, net	$0	39
Net income	$-825,000	6,912
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	5,544
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-825,000	7,028
2008-09-30 (YTD Data)		Rank
Total interest income	$2,775,000	6,262
Total interest expense	$1,237,000	5,890
Net interest income	$1,538,000	6,416
Provision for loan and lease losses	$58,000	5,754
Total noninterest income	$45,000	7,796
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$24,000	6,935
Trading account gains and fees	$0	148
Additional Noninterest Income	$21,000	7,390
Total noninterest expense	$1,560,000	6,126
Salaries and employee benefits	$771,000	6,372
Premises and equipment expense	$285,000	5,243
Additional noninterest expense	$504,000	5,892
Pre-tax net operating income	$-35,000	6,815
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$-35,000	6,671
Extraordinary gains, net	$0	31
Net income	$-35,000	6,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	4,587
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-35,000	6,848
2008-06-30 (YTD Data)		Rank
Total interest income	$1,799,000	6,389
Total interest expense	$842,000	5,991
Net interest income	$957,000	6,568
Provision for loan and lease losses	$29,000	5,742
Total noninterest income	$25,000	7,947
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$13,000	7,054
Trading account gains and fees	$0	149
Additional Noninterest Income	$12,000	7,577
Total noninterest expense	$1,017,000	6,234
Salaries and employee benefits	$513,000	6,429
Premises and equipment expense	$184,000	5,362
Additional noninterest expense	$320,000	6,011
Pre-tax net operating income	$-64,000	7,121
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$-64,000	7,183
Extraordinary gains, net	$0	21
Net income	$-64,000	7,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	3,693
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-64,000	7,154
2008-03-31 (YTD Data)		Rank
Total interest income	$876,000	6,528
Total interest expense	$449,000	6,009
Net interest income	$427,000	6,879
Provision for loan and lease losses	$0	6,080
Total noninterest income	$10,000	8,048
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$3,000	7,255
Trading account gains and fees	$0	158
Additional Noninterest Income	$7,000	7,488
Total noninterest expense	$496,000	6,313
Salaries and employee benefits	$246,000	6,558
Premises and equipment expense	$102,000	5,112
Additional noninterest expense	$148,000	6,209
Pre-tax net operating income	$-59,000	7,429
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-59,000	7,538
Extraordinary gains, net	$0	15
Net income	$-59,000	7,537
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,162
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-59,000	7,477
2007-12-31 (YTD Data)		Rank
Total interest income	$3,733,000	6,376
Total interest expense	$2,001,000	5,835
Net interest income	$1,732,000	6,838
Provision for loan and lease losses	$103,000	4,870
Total noninterest income	$28,000	8,185
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$10,000	7,309
Trading account gains and fees	$0	178
Additional Noninterest Income	$18,000	7,853
Total noninterest expense	$2,005,000	6,213
Salaries and employee benefits	$1,073,000	6,283
Premises and equipment expense	$393,000	5,080
Additional noninterest expense	$539,000	6,404
Pre-tax net operating income	$-348,000	7,732
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$-348,000	7,811
Extraordinary gains, net	$0	39
Net income	$-348,000	7,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	5,621
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$340,000	614
Net operating income	$-348,000	7,791
2007-09-30 (YTD Data)		Rank
Total interest income	$2,793,000	6,418
Total interest expense	$1,526,000	5,825
Net interest income	$1,267,000	6,929
Provision for loan and lease losses	$95,000	4,180
Total noninterest income	$21,000	8,245
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$7,000	7,342
Trading account gains and fees	$0	184
Additional Noninterest Income	$14,000	7,875
Total noninterest expense	$1,519,000	6,188
Salaries and employee benefits	$850,000	6,126
Premises and equipment expense	$295,000	5,067
Additional noninterest expense	$374,000	6,568
Pre-tax net operating income	$-326,000	7,974
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$-326,000	8,021
Extraordinary gains, net	$0	33
Net income	$-326,000	8,017
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	3,675
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$340,000	480
Net operating income	$-326,000	8,007
2007-06-30 (YTD Data)		Rank
Total interest income	$1,844,000	6,481
Total interest expense	$1,003,000	5,872
Net interest income	$841,000	6,985
Provision for loan and lease losses	$89,000	3,562
Total noninterest income	$13,000	8,323
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$4,000	7,405
Trading account gains and fees	$0	168
Additional Noninterest Income	$9,000	7,947
Total noninterest expense	$884,000	6,560
Salaries and employee benefits	$468,000	6,640
Premises and equipment expense	$196,000	5,097
Additional noninterest expense	$220,000	6,888
Pre-tax net operating income	$-119,000	8,004
Securities gains (losses)	$-2,000	7,706
Applicable income taxes	$0	6,265
Income before extraordinary items	$-121,000	8,031
Extraordinary gains, net	$0	29
Net income	$-121,000	8,030
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	2,876
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$340,000	359
Net operating income	$-119,000	8,021
2007-03-31 (YTD Data)		Rank
Total interest income	$889,000	6,590
Total interest expense	$482,000	5,956
Net interest income	$407,000	7,058
Provision for loan and lease losses	$63,000	2,711
Total noninterest income	$5,000	8,391
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$3,000	7,373
Trading account gains and fees	$0	195
Additional Noninterest Income	$2,000	8,219
Total noninterest expense	$431,000	6,650
Salaries and employee benefits	$235,000	6,682
Premises and equipment expense	$95,000	5,198
Additional noninterest expense	$101,000	7,065
Pre-tax net operating income	$-82,000	8,105
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$-82,000	8,141
Extraordinary gains, net	$0	22
Net income	$-82,000	8,139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$340,000	196
Net operating income	$-82,000	8,127
2006-12-31 (YTD Data)		Rank
Total interest income	$2,683,000	7,012
Total interest expense	$1,328,000	6,368
Net interest income	$1,355,000	7,368
Provision for loan and lease losses	$146,000	4,104
Total noninterest income	$26,000	8,371
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$9,000	7,440
Trading account gains and fees	$0	130
Additional Noninterest Income	$17,000	8,067
Total noninterest expense	$1,494,000	6,904
Salaries and employee benefits	$796,000	6,969
Premises and equipment expense	$349,000	5,333
Additional noninterest expense	$349,000	7,318
Pre-tax net operating income	$-259,000	8,150
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$-259,000	8,182
Extraordinary gains, net	$0	51
Net income	$-259,000	8,184
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$1,660,000	439
Net operating income	$-259,000	8,181
2006-09-30 (YTD Data)		Rank
Total interest income	$1,862,000	7,195
Total interest expense	$905,000	6,548
Net interest income	$957,000	7,547
Provision for loan and lease losses	$81,000	4,485
Total noninterest income	$19,000	8,467
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$7,000	7,497
Trading account gains and fees	$0	126
Additional Noninterest Income	$12,000	8,141
Total noninterest expense	$1,086,000	6,991
Salaries and employee benefits	$571,000	7,075
Premises and equipment expense	$258,000	5,373
Additional noninterest expense	$257,000	7,367
Pre-tax net operating income	$-191,000	8,296
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-191,000	8,317
Extraordinary gains, net	$0	45
Net income	$-191,000	8,317
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-191,000	8,311
2006-06-30 (YTD Data)		Rank
Total interest income	$1,138,000	7,370
Total interest expense	$541,000	6,694
Net interest income	$597,000	7,708
Provision for loan and lease losses	$45,000	4,580
Total noninterest income	$10,000	8,556
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$4,000	7,559
Trading account gains and fees	$0	126
Additional Noninterest Income	$6,000	8,317
Total noninterest expense	$712,000	7,062
Salaries and employee benefits	$377,000	7,123
Premises and equipment expense	$167,000	5,481
Additional noninterest expense	$168,000	7,420
Pre-tax net operating income	$-150,000	8,375
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-150,000	8,388
Extraordinary gains, net	$0	39
Net income	$-150,000	8,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-150,000	8,387
2006-03-31 (YTD Data)		Rank
Total interest income	$545,000	7,450
Total interest expense	$247,000	6,802
Net interest income	$298,000	7,713
Provision for loan and lease losses	$0	6,013
Total noninterest income	$5,000	8,568
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,000	7,586
Trading account gains and fees	$0	115
Additional Noninterest Income	$3,000	8,266
Total noninterest expense	$340,000	7,171
Salaries and employee benefits	$181,000	7,240
Premises and equipment expense	$81,000	5,603
Additional noninterest expense	$78,000	7,553
Pre-tax net operating income	$-37,000	8,351
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-37,000	8,359
Extraordinary gains, net	$0	21
Net income	$-37,000	8,358
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	$0	648
Net operating income	$-37,000	8,343
2005-12-31 (YTD Data)		Rank
Total interest income	$1,308,000	8,075
Total interest expense	$455,000	7,749
Net interest income	$853,000	8,153
Provision for loan and lease losses	$198,000	3,618
Total noninterest income	$22,000	8,591
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$2,000	7,708
Trading account gains and fees	$0	138
Additional Noninterest Income	$20,000	8,136
Total noninterest expense	$1,456,000	6,966
Salaries and employee benefits	$776,000	7,005
Premises and equipment expense	$328,000	5,484
Additional noninterest expense	$352,000	7,339
Pre-tax net operating income	$-779,000	8,582
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-779,000	8,615
Extraordinary gains, net	$0	46
Net income	$-779,000	8,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-779,000	8,596
2005-09-30 (YTD Data)		Rank
Total interest income	$838,000	8,279
Total interest expense	$254,000	8,081
Net interest income	$584,000	8,295
Provision for loan and lease losses	$130,000	3,749
Total noninterest income	$17,000	8,649
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$2,000	7,737
Trading account gains and fees	$0	126
Additional Noninterest Income	$15,000	8,169
Total noninterest expense	$1,097,000	6,948
Salaries and employee benefits	$588,000	6,978
Premises and equipment expense	$245,000	5,500
Additional noninterest expense	$264,000	7,358
Pre-tax net operating income	$-626,000	8,640
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-626,000	8,681
Extraordinary gains, net	$0	35
Net income	$-626,000	8,681
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	$-626,000	8,658
2005-06-30 (YTD Data)		Rank
Total interest income	$466,000	8,422
Total interest expense	$117,000	8,357
Net interest income	$349,000	8,402
Provision for loan and lease losses	$98,000	3,413
Total noninterest income	$9,000	8,680
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$2,000	7,732
Trading account gains and fees	$0	116
Additional Noninterest Income	$7,000	8,349
Total noninterest expense	$728,000	6,973
Salaries and employee benefits	$396,000	6,942
Premises and equipment expense	$161,000	5,506
Additional noninterest expense	$171,000	7,396
Pre-tax net operating income	$-468,000	8,660
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-468,000	8,706
Extraordinary gains, net	$0	30
Net income	$-468,000	8,706
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	$-468,000	8,677
2005-03-31 (YTD Data)		Rank
Total interest income	$166,000	8,682
Total interest expense	$25,000	8,743
Net interest income	$141,000	8,617
Provision for loan and lease losses	$34,000	3,829
Total noninterest income	$4,000	8,750
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$1,000	7,789
Trading account gains and fees	$0	115
Additional Noninterest Income	$3,000	8,454
Total noninterest expense	$368,000	6,996
Salaries and employee benefits	$196,000	7,033
Premises and equipment expense	$80,000	5,566
Additional noninterest expense	$92,000	7,317
Pre-tax net operating income	$-257,000	8,759
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-257,000	8,785
Extraordinary gains, net	$0	24
Net income	$-257,000	8,785
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	$-257,000	8,768
2004-12-31 (YTD Data)		Rank
Total interest income	$273,000	8,864
Total interest expense	$21,000	8,881
Net interest income	$252,000	8,844
Provision for loan and lease losses	$111,000	4,831
Total noninterest income	$9,000	8,846
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,000	7,877
Trading account gains and fees	$0	138
Additional Noninterest Income	$8,000	8,601
Total noninterest expense	$1,008,000	7,800
Salaries and employee benefits	$507,000	7,957
Premises and equipment expense	$238,000	6,319
Additional noninterest expense	$263,000	7,907
Pre-tax net operating income	$-858,000	8,775
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$-858,000	8,808
Extraordinary gains, net	$0	34
Net income	$-858,000	8,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$7,000,000	175
Net operating income	$-858,000	8,786
2004-09-30 (YTD Data)		Rank
Total interest income	$147,000	8,945
Total interest expense	$9,000	8,947
Net interest income	$138,000	8,923
Provision for loan and lease losses	$63,000	5,070
Total noninterest income	$4,000	8,938
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$0	7,933
Trading account gains and fees	$0	134
Additional Noninterest Income	$4,000	8,732
Total noninterest expense	$621,000	8,102
Salaries and employee benefits	$312,000	8,239
Premises and equipment expense	$160,000	6,586
Additional noninterest expense	$149,000	8,314
Pre-tax net operating income	$-542,000	8,788
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-542,000	8,826
Extraordinary gains, net	$0	26
Net income	$-542,000	8,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$7,000,000	130
Net operating income	$-542,000	8,803
2004-06-30 (YTD Data)		Rank
Total interest income	$47,000	9,036
Total interest expense	$1,000	9,051
Net interest income	$46,000	9,024
Provision for loan and lease losses	$45,000	4,838
Total noninterest income	$1,000	9,014
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	$0	8,943
Total noninterest expense	$302,000	8,560
Salaries and employee benefits	$153,000	8,650
Premises and equipment expense	$60,000	7,741
Additional noninterest expense	$89,000	8,478
Pre-tax net operating income	$-300,000	8,816
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-300,000	8,853
Extraordinary gains, net	$0	21
Net income	$-300,000	8,853
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$7,000,000	87
Net operating income	$-300,000	8,825

* 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.