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Progress Bank, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$55,968,000	511
Total interest expense	$22,095,000	420
Net interest income	$33,873,000	563
Provision for loan and lease losses	$2,260,000	590
Total noninterest income	$8,364,000	752
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$8,364,000	511
Total noninterest expense	$26,331,000	638
Salaries and employee benefits	$15,100,000	576
Premises and equipment expense	$5,259,000	449
Additional noninterest expense	$5,972,000	856
Pre-tax net operating income	$13,646,000	648
Securities gains (losses)	$1,254,000	403
Applicable income taxes	$4,282,000	702
Income before extraordinary items	$10,618,000	626
Extraordinary gains, net	$0	54
Net income	$10,618,000	628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,841,000	590
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$9,727,660	627
2003-09-30 (YTD Data)		Rank
Total interest income	$41,491,000	534
Total interest expense	$16,750,000	435
Net interest income	$24,741,000	589
Provision for loan and lease losses	$1,760,000	585
Total noninterest income	$6,598,000	751
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$6,598,000	522
Total noninterest expense	$19,594,000	652
Salaries and employee benefits	$11,120,000	603
Premises and equipment expense	$3,858,000	468
Additional noninterest expense	$4,616,000	848
Pre-tax net operating income	$9,985,000	688
Securities gains (losses)	$1,118,000	407
Applicable income taxes	$3,188,000	731
Income before extraordinary items	$7,915,000	652
Extraordinary gains, net	$0	40
Net income	$7,915,000	653
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$985,000	706
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$7,121,220	670
2003-06-30 (YTD Data)		Rank
Total interest income	$27,545,000	548
Total interest expense	$11,473,000	439
Net interest income	$16,072,000	601
Provision for loan and lease losses	$1,200,000	559
Total noninterest income	$3,878,000	816
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$3,878,000	563
Total noninterest expense	$13,318,000	642
Salaries and employee benefits	$7,457,000	598
Premises and equipment expense	$2,548,000	472
Additional noninterest expense	$3,313,000	784
Pre-tax net operating income	$5,432,000	828
Securities gains (losses)	$1,240,000	316
Applicable income taxes	$1,835,000	831
Income before extraordinary items	$4,837,000	716
Extraordinary gains, net	$0	30
Net income	$4,837,000	717
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$466,000	887
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$3,944,200	787
2003-03-31 (YTD Data)		Rank
Total interest income	$13,506,000	561
Total interest expense	$5,792,000	445
Net interest income	$7,714,000	627
Provision for loan and lease losses	$700,000	495
Total noninterest income	$1,888,000	820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,888,000	563
Total noninterest expense	$6,482,000	649
Salaries and employee benefits	$3,651,000	604
Premises and equipment expense	$1,341,000	455
Additional noninterest expense	$1,490,000	842
Pre-tax net operating income	$2,420,000	921
Securities gains (losses)	$517,000	339
Applicable income taxes	$871,000	897
Income before extraordinary items	$2,066,000	819
Extraordinary gains, net	$0	21
Net income	$2,066,000	818
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-65,000	9,150
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,704,100	908
2002-12-31 (YTD Data)		Rank
Total interest income	$53,008,000	587
Total interest expense	$23,825,000	491
Net interest income	$29,183,000	654
Provision for loan and lease losses	$3,814,000	462
Total noninterest income	$10,913,000	592
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$10,913,000	412
Total noninterest expense	$26,920,000	605
Salaries and employee benefits	$14,129,000	579
Premises and equipment expense	$5,223,000	452
Additional noninterest expense	$7,568,000	693
Pre-tax net operating income	$9,362,000	916
Securities gains (losses)	$1,192,000	377
Applicable income taxes	$3,507,000	804
Income before extraordinary items	$7,047,000	888
Extraordinary gains, net	$0	70
Net income	$7,047,000	886
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,225,000	257
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$6,248,360	958
2001-12-31 (YTD Data)		Rank
Total interest income	$64,523,000	555
Total interest expense	$33,052,000	527
Net interest income	$31,471,000	585
Provision for loan and lease losses	$7,116,000	286
Total noninterest income	$7,937,000	702
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$7,937,000	476
Total noninterest expense	$29,321,000	574
Salaries and employee benefits	$15,692,000	511
Premises and equipment expense	$5,304,000	441
Additional noninterest expense	$8,325,000	651
Pre-tax net operating income	$2,971,000	2,289
Securities gains (losses)	$2,673,000	200
Applicable income taxes	$1,732,000	1,325
Income before extraordinary items	$3,912,000	1,395
Extraordinary gains, net	$-199,000	9,543
Net income	$3,713,000	1,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,946,000	315
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,067,630	2,370
2000-12-31 (YTD Data)		Rank
Total interest income	$66,679,000	576
Total interest expense	$34,891,000	555
Net interest income	$31,788,000	589
Provision for loan and lease losses	$4,416,000	347
Total noninterest income	$10,668,000	559
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$10,668,000	404
Total noninterest expense	$28,054,000	569
Salaries and employee benefits	$14,637,000	502
Premises and equipment expense	$5,088,000	450
Additional noninterest expense	$8,329,000	660
Pre-tax net operating income	$9,986,000	781
Securities gains (losses)	$0	1,956
Applicable income taxes	$3,367,000	752
Income before extraordinary items	$6,619,000	813
Extraordinary gains, net	$0	38
Net income	$6,619,000	813
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,920,000	375
Cash dividends	$1,800,000	1,460
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$6,619,000	809
1999-12-31 (YTD Data)		Rank
Total interest income	$51,744,000	680
Total interest expense	$25,153,000	655
Net interest income	$26,591,000	692
Provision for loan and lease losses	$3,548,000	372
Total noninterest income	$5,238,000	915
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$5,238,000	629
Total noninterest expense	$21,360,000	723
Salaries and employee benefits	$10,459,000	675
Premises and equipment expense	$3,767,000	592
Additional noninterest expense	$7,134,000	768
Pre-tax net operating income	$6,921,000	1,117
Securities gains (losses)	$-336,000	10,082
Applicable income taxes	$2,196,000	1,137
Income before extraordinary items	$4,389,000	1,240
Extraordinary gains, net	$0	35
Net income	$4,389,000	1,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,108,000	437
Cash dividends	$2,570,000	1,101
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$4,614,120	1,169
1998-12-31 (YTD Data)		Rank
Total interest income	$44,843,000	748
Total interest expense	$22,145,000	736
Net interest income	$22,698,000	758
Provision for loan and lease losses	$959,000	1,011
Total noninterest income	$4,716,000	977
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$4,716,000	673
Total noninterest expense	$17,777,000	816
Salaries and employee benefits	$9,323,000	724
Premises and equipment expense	$2,558,000	777
Additional noninterest expense	$5,896,000	857
Pre-tax net operating income	$8,678,000	909
Securities gains (losses)	$203,000	913
Applicable income taxes	$3,172,000	826
Income before extraordinary items	$5,709,000	945
Extraordinary gains, net	$-46,000	10,414
Net income	$5,663,000	953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$367,000	1,615
Cash dividends	$1,260,000	1,878
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$5,579,080	937
1997-12-31 (YTD Data)		Rank
Total interest income	$34,193,000	1,003
Total interest expense	$16,579,000	984
Net interest income	$17,614,000	1,004
Provision for loan and lease losses	$1,042,000	961
Total noninterest income	$4,594,000	981
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$4,594,000	653
Total noninterest expense	$14,299,000	967
Salaries and employee benefits	$7,248,000	917
Premises and equipment expense	$2,780,000	732
Additional noninterest expense	$4,271,000	1,086
Pre-tax net operating income	$6,867,000	1,160
Securities gains (losses)	$23,000	1,798
Applicable income taxes	$2,553,000	1,077
Income before extraordinary items	$4,337,000	1,259
Extraordinary gains, net	$0	44
Net income	$4,337,000	1,260
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$915,000	849
Cash dividends	$798,000	2,583
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$4,322,280	1,232
1996-12-31 (YTD Data)		Rank
Total interest income	$27,905,000	1,226
Total interest expense	$14,444,000	1,131
Net interest income	$13,461,000	1,328
Provision for loan and lease losses	$678,000	1,358
Total noninterest income	$3,262,000	1,275
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$3,262,000	836
Total noninterest expense	$14,457,000	1,043
Salaries and employee benefits	$6,188,000	1,081
Premises and equipment expense	$3,028,000	731
Additional noninterest expense	$5,241,000	1,090
Pre-tax net operating income	$1,588,000	4,144
Securities gains (losses)	$349,000	516
Applicable income taxes	$704,000	3,160
Income before extraordinary items	$1,233,000	3,792
Extraordinary gains, net	$0	53
Net income	$1,233,000	3,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	4,367
Cash dividends	$268,000	4,812
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,009,640	4,411
1995-12-31 (YTD Data)		Rank
Total interest income	$26,397,000	1,293
Total interest expense	$15,063,000	1,119
Net interest income	$11,334,000	1,581
Provision for loan and lease losses	$625,000	1,298
Total noninterest income	$6,325,000	811
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$6,325,000	574
Total noninterest expense	$16,196,000	933
Salaries and employee benefits	$5,002,000	1,325
Premises and equipment expense	$2,796,000	806
Additional noninterest expense	$8,398,000	768
Pre-tax net operating income	$838,000	6,691
Securities gains (losses)	$-99,000	11,478
Applicable income taxes	$-1,871,000	11,930
Income before extraordinary items	$2,610,000	1,914
Extraordinary gains, net	$0	65
Net income	$2,610,000	1,911
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,000	1,957
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$2,709,000	1,837
1994-12-31 (YTD Data)		Rank
Total interest income	$22,682,000	1,368
Total interest expense	$12,383,000	1,068
Net interest income	$10,299,000	1,757
Provision for loan and lease losses	$521,000	1,494
Total noninterest income	$1,207,000	2,725
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,207,000	1,620
Total noninterest expense	$11,094,000	1,325
Salaries and employee benefits	$4,565,000	1,477
Premises and equipment expense	$2,598,000	849
Additional noninterest expense	$3,931,000	1,429
Pre-tax net operating income	$-109,000	12,209
Securities gains (losses)	$-498,000	12,244
Applicable income taxes	$0	11,630
Income before extraordinary items	$-607,000	12,377
Extraordinary gains, net	$0	249
Net income	$-607,000	12,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,132,000	798
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$2,400,000	278
Net operating income	$-109,000	12,182
1993-12-31 (YTD Data)		Rank
Total interest income	$20,719,000	1,514
Total interest expense	$11,670,000	1,169
Net interest income	$9,049,000	1,997
Provision for loan and lease losses	$368,000	2,599
Total noninterest income	$1,177,000	2,944
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,177,000	1,830
Total noninterest expense	$10,969,000	1,401
Salaries and employee benefits	$4,039,000	1,672
Premises and equipment expense	$2,286,000	965
Additional noninterest expense	$4,644,000	1,353
Pre-tax net operating income	$-1,111,000	12,997
Securities gains (losses)	$816,000	621
Applicable income taxes	$-1,031,000	13,184
Income before extraordinary items	$736,000	5,901
Extraordinary gains, net	$0	3,149
Net income	$736,000	6,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,059,000	1,104
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$7,227,000	157
Net operating income	$213,760	10,251
1992-12-31 (YTD Data)		Rank
Total interest income	$21,978,000	1,629
Total interest expense	$14,058,000	1,260
Net interest income	$7,920,000	2,293
Provision for loan and lease losses	$275,000	4,347
Total noninterest income	$3,116,000	1,388
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$3,116,000	930
Total noninterest expense	$11,999,000	1,329
Salaries and employee benefits	$3,830,000	1,736
Premises and equipment expense	$2,080,000	1,081
Additional noninterest expense	$6,089,000	1,127
Pre-tax net operating income	$-1,238,000	13,523
Securities gains (losses)	$2,575,000	337
Applicable income taxes	$68,000	10,772
Income before extraordinary items	$1,269,000	3,622
Extraordinary gains, net	$0	1,422
Net income	$1,269,000	3,665
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,921,000	982
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$520,000	544
Net operating income	$-1,177,250	13,518

* 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.