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Reliance Bank, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$1,254,000	8,338
Total interest expense	$530,000	7,639
Net interest income	$724,000	8,526
Provision for loan and lease losses	$1,184,000	1,016
Total noninterest income	$155,000	7,759
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$79,000	6,910
Trading account gains and fees	$0	160
Additional Noninterest Income	$76,000	6,964
Total noninterest expense	$2,031,000	5,954
Salaries and employee benefits	$959,000	6,410
Premises and equipment expense	$311,000	5,569
Additional noninterest expense	$761,000	5,226
Pre-tax net operating income	$-2,336,000	9,090
Securities gains (losses)	$58,000	2,371
Applicable income taxes	$3,000	7,286
Income before extraordinary items	$-2,281,000	9,123
Extraordinary gains, net	$-8,000	9,144
Net income	$-2,289,000	9,124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,650,000	636
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$1,500,000	370
Net operating income	$-2,339,000	9,093
2003-09-30 (YTD Data)		Rank
Total interest income	$905,000	8,478
Total interest expense	$404,000	7,754
Net interest income	$501,000	8,674
Provision for loan and lease losses	$334,000	2,324
Total noninterest income	$124,000	7,712
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$64,000	6,860
Trading account gains and fees	$0	153
Additional Noninterest Income	$60,000	6,950
Total noninterest expense	$1,467,000	6,032
Salaries and employee benefits	$724,000	6,367
Premises and equipment expense	$240,000	5,461
Additional noninterest expense	$503,000	5,621
Pre-tax net operating income	$-1,176,000	9,103
Securities gains (losses)	$58,000	2,190
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-1,119,000	9,137
Extraordinary gains, net	$-8,000	9,212
Net income	$-1,127,000	9,138
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$755,000	844
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$1,500,000	267
Net operating income	$-1,177,000	9,104
2003-06-30 (YTD Data)		Rank
Total interest income	$590,000	8,569
Total interest expense	$263,000	7,915
Net interest income	$327,000	8,732
Provision for loan and lease losses	$334,000	1,656
Total noninterest income	$78,000	7,809
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$45,000	6,765
Trading account gains and fees	$0	150
Additional Noninterest Income	$33,000	7,207
Total noninterest expense	$969,000	6,076
Salaries and employee benefits	$482,000	6,392
Premises and equipment expense	$165,000	5,334
Additional noninterest expense	$322,000	5,743
Pre-tax net operating income	$-898,000	9,142
Securities gains (losses)	$0	3,782
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-899,000	9,198
Extraordinary gains, net	$-8,000	9,249
Net income	$-907,000	9,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$755,000	625
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-899,000	9,148
2003-03-31 (YTD Data)		Rank
Total interest income	$299,000	8,607
Total interest expense	$128,000	8,066
Net interest income	$171,000	8,733
Provision for loan and lease losses	$0	6,934
Total noninterest income	$39,000	7,793
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$27,000	6,433
Trading account gains and fees	$0	134
Additional Noninterest Income	$12,000	7,671
Total noninterest expense	$467,000	6,222
Salaries and employee benefits	$247,000	6,294
Premises and equipment expense	$83,000	5,318
Additional noninterest expense	$137,000	6,250
Pre-tax net operating income	$-257,000	9,121
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-257,000	9,163
Extraordinary gains, net	$0	21
Net income	$-257,000	9,160
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	$-257,000	9,110
2002-12-31 (YTD Data)		Rank
Total interest income	$1,507,000	8,375
Total interest expense	$625,000	8,017
Net interest income	$882,000	8,451
Provision for loan and lease losses	$425,000	2,696
Total noninterest income	$168,000	7,632
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$99,000	6,594
Trading account gains and fees	$0	153
Additional Noninterest Income	$69,000	7,112
Total noninterest expense	$2,273,000	5,432
Salaries and employee benefits	$1,099,000	5,812
Premises and equipment expense	$321,000	5,345
Additional noninterest expense	$853,000	4,712
Pre-tax net operating income	$-1,648,000	9,224
Securities gains (losses)	$19,000	3,191
Applicable income taxes	$-5,000	8,824
Income before extraordinary items	$-1,624,000	9,256
Extraordinary gains, net	$0	70
Net income	$-1,624,000	9,254
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-187,000	9,284
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$1,000,000	372
Net operating income	$-1,643,000	9,228
2001-12-31 (YTD Data)		Rank
Total interest income	$2,370,000	7,880
Total interest expense	$1,136,000	7,732
Net interest income	$1,234,000	7,817
Provision for loan and lease losses	$2,160,000	662
Total noninterest income	$499,000	5,077
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$243,000	4,718
Trading account gains and fees	$0	177
Additional Noninterest Income	$256,000	4,443
Total noninterest expense	$2,570,000	4,870
Salaries and employee benefits	$859,000	6,541
Premises and equipment expense	$311,000	5,411
Additional noninterest expense	$1,400,000	3,058
Pre-tax net operating income	$-2,997,000	9,528
Securities gains (losses)	$71,000	2,041
Applicable income taxes	$110,000	5,889
Income before extraordinary items	$-3,036,000	9,548
Extraordinary gains, net	$0	105
Net income	$-3,036,000	9,549
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,831,000	443
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-3,107,000	9,537
2000-12-31 (YTD Data)		Rank
Total interest income	$2,475,000	7,932
Total interest expense	$862,000	8,505
Net interest income	$1,613,000	7,276
Provision for loan and lease losses	$787,000	1,292
Total noninterest income	$409,000	5,477
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$246,000	4,564
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	5,275
Total noninterest expense	$1,912,000	5,837
Salaries and employee benefits	$914,000	6,264
Premises and equipment expense	$291,000	5,519
Additional noninterest expense	$707,000	5,139
Pre-tax net operating income	$-677,000	9,629
Securities gains (losses)	$-10,000	8,341
Applicable income taxes	$27,000	7,689
Income before extraordinary items	$-714,000	9,664
Extraordinary gains, net	$0	38
Net income	$-714,000	9,663
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,048
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$4,250,000	245
Net operating income	$-704,000	9,659
1999-12-31 (YTD Data)		Rank
Total interest income	$2,153,000	8,325
Total interest expense	$658,000	9,054
Net interest income	$1,495,000	7,603
Provision for loan and lease losses	$132,000	4,547
Total noninterest income	$451,000	5,272
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	6,327
Trading account gains and fees	NA	NA
Additional Noninterest Income	$330,000	3,804
Total noninterest expense	$1,688,000	6,329
Salaries and employee benefits	$797,000	6,764
Premises and equipment expense	$317,000	5,306
Additional noninterest expense	$574,000	5,994
Pre-tax net operating income	$126,000	8,947
Securities gains (losses)	$0	3,155
Applicable income taxes	$-83,000	9,891
Income before extraordinary items	$209,000	8,233
Extraordinary gains, net	$0	35
Net income	$209,000	8,231
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,395
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$209,000	8,201
1998-12-31 (YTD Data)		Rank
Total interest income	$1,904,000	8,796
Total interest expense	$727,000	9,132
Net interest income	$1,177,000	8,379
Provision for loan and lease losses	$8,000	8,341
Total noninterest income	$460,000	5,183
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	7,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$400,000	3,447
Total noninterest expense	$1,510,000	6,659
Salaries and employee benefits	$673,000	7,350
Premises and equipment expense	$307,000	5,321
Additional noninterest expense	$530,000	6,236
Pre-tax net operating income	$119,000	9,329
Securities gains (losses)	$-42,000	10,359
Applicable income taxes	$8,000	9,125
Income before extraordinary items	$69,000	9,519
Extraordinary gains, net	$0	32
Net income	$69,000	9,519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-94,000	10,239
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$106,800	9,224
1997-12-31 (YTD Data)		Rank
Total interest income	$1,634,000	9,518
Total interest expense	$580,000	9,888
Net interest income	$1,054,000	9,055
Provision for loan and lease losses	$-12,000	10,622
Total noninterest income	$379,000	5,907
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	8,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$343,000	3,627
Total noninterest expense	$1,444,000	6,929
Salaries and employee benefits	$675,000	7,464
Premises and equipment expense	$300,000	5,449
Additional noninterest expense	$469,000	6,765
Pre-tax net operating income	$1,000	10,357
Securities gains (losses)	$0	3,944
Applicable income taxes	$-2,000	10,487
Income before extraordinary items	$3,000	10,392
Extraordinary gains, net	$0	44
Net income	$3,000	10,394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,963
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,000	10,356
1996-12-31 (YTD Data)		Rank
Total interest income	$1,433,000	10,208
Total interest expense	$492,000	10,617
Net interest income	$941,000	9,722
Provision for loan and lease losses	$-305,000	11,378
Total noninterest income	$39,000	11,025
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	9,457
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,823
Total noninterest expense	$1,474,000	7,182
Salaries and employee benefits	$695,000	7,565
Premises and equipment expense	$326,000	5,271
Additional noninterest expense	$453,000	7,450
Pre-tax net operating income	$-189,000	11,064
Securities gains (losses)	$0	4,148
Applicable income taxes	$2,000	10,509
Income before extraordinary items	$-191,000	11,101
Extraordinary gains, net	$220,000	15
Net income	$29,000	10,679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-272,000	11,364
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-191,000	11,060
1995-12-31 (YTD Data)		Rank
Total interest income	$1,432,000	10,639
Total interest expense	$661,000	10,443
Net interest income	$771,000	10,627
Provision for loan and lease losses	$-294,000	11,855
Total noninterest income	$326,000	6,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	10,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$311,000	3,915
Total noninterest expense	$1,756,000	6,579
Salaries and employee benefits	$737,000	7,477
Premises and equipment expense	$357,000	4,955
Additional noninterest expense	$662,000	6,108
Pre-tax net operating income	$-365,000	11,755
Securities gains (losses)	$-26,000	10,740
Applicable income taxes	$4,000	11,033
Income before extraordinary items	$-395,000	11,773
Extraordinary gains, net	$0	65
Net income	$-395,000	11,771
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-345,000	11,913
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-369,000	11,753
1994-12-31 (YTD Data)		Rank
Total interest income	$1,267,000	11,210
Total interest expense	$458,000	11,284
Net interest income	$809,000	11,020
Provision for loan and lease losses	$415,000	1,783
Total noninterest income	$1,036,000	3,032
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	10,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,015,000	1,820
Total noninterest expense	$3,586,000	3,768
Salaries and employee benefits	$752,000	7,509
Premises and equipment expense	$452,000	4,133
Additional noninterest expense	$2,382,000	2,223
Pre-tax net operating income	$-2,156,000	12,530
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$-2,156,000	12,499
Extraordinary gains, net	$0	249
Net income	$-2,156,000	12,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$614,000	1,194
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-2,156,000	12,502
1993-12-31 (YTD Data)		Rank
Total interest income	$1,081,000	12,119
Total interest expense	$404,000	12,206
Net interest income	$676,000	11,957
Provision for loan and lease losses	$-210,000	13,053
Total noninterest income	$845,000	3,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	11,075
Trading account gains and fees	NA	NA
Additional Noninterest Income	$828,000	2,338
Total noninterest expense	$2,144,000	5,995
Salaries and employee benefits	$920,000	6,598
Premises and equipment expense	$352,000	5,209
Additional noninterest expense	$872,000	5,510
Pre-tax net operating income	$-413,000	12,817
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$-413,000	12,870
Extraordinary gains, net	$0	3,149
Net income	$-413,000	12,875
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,000	3,386
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$1,985,000	363
Net operating income	$-413,000	12,806
1992-12-31 (YTD Data)		Rank
Total interest income	$1,235,000	12,517
Total interest expense	$798,000	11,344
Net interest income	$437,000	13,280
Provision for loan and lease losses	$133,000	6,435
Total noninterest income	$366,000	6,890
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	11,362
Trading account gains and fees	NA	NA
Additional Noninterest Income	$346,000	4,069
Total noninterest expense	$3,002,000	4,530
Salaries and employee benefits	$897,000	6,644
Premises and equipment expense	$352,000	5,344
Additional noninterest expense	$1,753,000	3,129
Pre-tax net operating income	$-2,332,000	13,670
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-2,332,000	13,708
Extraordinary gains, net	$0	1,422
Net income	$-2,332,000	13,704
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$264,000	3,605
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$1,985,000	317
Net operating income	$-2,332,000	13,657

* 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.