Home > Rivergreen Bank > Income and Expense
Rivergreen Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,444,000 | 4,678 |
| Total interest expense | $1,673,000 | 4,194 |
| Net interest income | $1,771,000 | 4,983 |
| Provision for loan and lease losses | $911,000 | 1,293 |
| Total noninterest income | $91,000 | 6,778 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $63,000 | 5,622 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $28,000 | 6,870 |
| Total noninterest expense | $2,789,000 | 3,279 |
| Salaries and employee benefits | $1,448,000 | 3,431 |
| Premises and equipment expense | $371,000 | 3,417 |
| Additional noninterest expense | $970,000 | 2,823 |
| Pre-tax net operating income | $-1,838,000 | 8,135 |
| Securities gains (losses) | $-37,000 | 8,211 |
| Applicable income taxes | $4,000 | 5,280 |
| Income before extraordinary items | $-1,879,000 | 8,190 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,879,000 | 8,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 1,284 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,078 |
| Net operating income | $-1,842,000 | 8,180 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,808,000 | 4,611 |
| Total interest expense | $866,000 | 4,294 |
| Net interest income | $942,000 | 4,821 |
| Provision for loan and lease losses | $83,000 | 3,023 |
| Total noninterest income | $52,000 | 6,602 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $31,000 | 5,641 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $21,000 | 6,395 |
| Total noninterest expense | $1,406,000 | 3,255 |
| Salaries and employee benefits | $731,000 | 3,431 |
| Premises and equipment expense | $203,000 | 3,191 |
| Additional noninterest expense | $472,000 | 2,853 |
| Pre-tax net operating income | $-495,000 | 8,083 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $2,000 | 5,366 |
| Income before extraordinary items | $-497,000 | 8,148 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-497,000 | 8,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,380 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 822 |
| Net operating income | $-497,000 | 8,132 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,888,000 | 4,399 |
| Total interest expense | $4,270,000 | 3,840 |
| Net interest income | $3,618,000 | 4,933 |
| Provision for loan and lease losses | $293,000 | 3,249 |
| Total noninterest income | $276,000 | 6,193 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $119,000 | 5,781 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $157,000 | 5,502 |
| Total noninterest expense | $4,830,000 | 3,545 |
| Salaries and employee benefits | $2,722,000 | 3,486 |
| Premises and equipment expense | $650,000 | 3,633 |
| Additional noninterest expense | $1,458,000 | 3,504 |
| Pre-tax net operating income | $-1,229,000 | 8,123 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $525,000 | 2,680 |
| Income before extraordinary items | $-1,754,000 | 8,286 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,754,000 | 8,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,611 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $474,000 | 544 |
| Net operating income | $-1,754,000 | 8,273 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,980,000 | 4,383 |
| Total interest expense | $3,179,000 | 3,870 |
| Net interest income | $2,801,000 | 4,850 |
| Provision for loan and lease losses | $219,000 | 2,870 |
| Total noninterest income | $213,000 | 6,174 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $83,000 | 5,921 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $130,000 | 5,342 |
| Total noninterest expense | $3,503,000 | 3,619 |
| Salaries and employee benefits | $2,012,000 | 3,513 |
| Premises and equipment expense | $481,000 | 3,651 |
| Additional noninterest expense | $1,010,000 | 3,670 |
| Pre-tax net operating income | $-708,000 | 8,189 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-232,000 | 8,340 |
| Income before extraordinary items | $-476,000 | 8,127 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-476,000 | 8,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 2,678 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 858 |
| Net operating income | $-476,000 | 8,112 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,895,000 | 4,473 |
| Total interest expense | $2,033,000 | 3,976 |
| Net interest income | $1,862,000 | 4,883 |
| Provision for loan and lease losses | $122,000 | 2,946 |
| Total noninterest income | $154,000 | 6,079 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $54,000 | 5,982 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $100,000 | 5,125 |
| Total noninterest expense | $2,264,000 | 3,751 |
| Salaries and employee benefits | $1,281,000 | 3,677 |
| Premises and equipment expense | $317,000 | 3,705 |
| Additional noninterest expense | $666,000 | 3,699 |
| Pre-tax net operating income | $-370,000 | 8,206 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-120,000 | 8,401 |
| Income before extraordinary items | $-250,000 | 8,160 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-250,000 | 8,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,104 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 903 |
| Net operating income | $-250,000 | 8,149 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,931,000 | 4,490 |
| Total interest expense | $970,000 | 4,089 |
| Net interest income | $961,000 | 4,796 |
| Provision for loan and lease losses | $39,000 | 3,484 |
| Total noninterest income | $50,000 | 6,824 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $23,000 | 6,395 |
| Total noninterest expense | $1,173,000 | 3,632 |
| Salaries and employee benefits | $658,000 | 3,623 |
| Premises and equipment expense | $156,000 | 3,772 |
| Additional noninterest expense | $359,000 | 3,464 |
| Pre-tax net operating income | $-201,000 | 8,303 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-66,000 | 8,462 |
| Income before extraordinary items | $-135,000 | 8,243 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-135,000 | 8,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,207 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 721 |
| Net operating income | $-135,000 | 8,231 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,583,000 | 4,732 |
| Total interest expense | $3,053,000 | 4,275 |
| Net interest income | $3,530,000 | 5,030 |
| Provision for loan and lease losses | $218,000 | 3,381 |
| Total noninterest income | $260,000 | 6,469 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $88,000 | 6,312 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $172,000 | 5,383 |
| Total noninterest expense | $3,532,000 | 4,386 |
| Salaries and employee benefits | $2,138,000 | 4,073 |
| Premises and equipment expense | $370,000 | 5,163 |
| Additional noninterest expense | $1,024,000 | 4,439 |
| Pre-tax net operating income | $40,000 | 7,863 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $21,000 | 5,907 |
| Income before extraordinary items | $19,000 | 7,927 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $19,000 | 7,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,668 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,061 |
| Net operating income | $19,000 | 7,913 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,758,000 | 4,822 |
| Total interest expense | $2,138,000 | 4,366 |
| Net interest income | $2,620,000 | 5,096 |
| Provision for loan and lease losses | $151,000 | 3,379 |
| Total noninterest income | $147,000 | 6,992 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $62,000 | 6,468 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $85,000 | 6,123 |
| Total noninterest expense | $2,386,000 | 4,677 |
| Salaries and employee benefits | $1,429,000 | 4,403 |
| Premises and equipment expense | $248,000 | 5,505 |
| Additional noninterest expense | $709,000 | 4,658 |
| Pre-tax net operating income | $230,000 | 7,301 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $83,000 | 5,101 |
| Income before extraordinary items | $147,000 | 7,494 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $147,000 | 7,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,805 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 894 |
| Net operating income | $147,000 | 7,501 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,005,000 | 4,949 |
| Total interest expense | $1,320,000 | 4,439 |
| Net interest income | $1,685,000 | 5,250 |
| Provision for loan and lease losses | $91,000 | 3,450 |
| Total noninterest income | $95,000 | 7,070 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $39,000 | 6,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,195 |
| Total noninterest expense | $1,506,000 | 4,863 |
| Salaries and employee benefits | $906,000 | 4,599 |
| Premises and equipment expense | $160,000 | 5,602 |
| Additional noninterest expense | $440,000 | 4,900 |
| Pre-tax net operating income | $183,000 | 7,192 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $66,000 | 4,985 |
| Income before extraordinary items | $117,000 | 7,409 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $117,000 | 7,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,134 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 773 |
| Net operating income | $117,000 | 7,411 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,416,000 | 5,093 |
| Total interest expense | $603,000 | 4,566 |
| Net interest income | $813,000 | 5,350 |
| Provision for loan and lease losses | $37,000 | 3,640 |
| Total noninterest income | $54,000 | 6,815 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $18,000 | 6,650 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,743 |
| Total noninterest expense | $742,000 | 4,933 |
| Salaries and employee benefits | $439,000 | 4,726 |
| Premises and equipment expense | $83,000 | 5,536 |
| Additional noninterest expense | $220,000 | 4,877 |
| Pre-tax net operating income | $88,000 | 7,202 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $30,000 | 5,017 |
| Income before extraordinary items | $58,000 | 7,401 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $58,000 | 7,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,260 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 629 |
| Net operating income | $58,000 | 7,406 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,963,000 | 5,858 |
| Total interest expense | $1,357,000 | 5,498 |
| Net interest income | $2,606,000 | 5,929 |
| Provision for loan and lease losses | $167,000 | 3,944 |
| Total noninterest income | $335,000 | 6,106 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $57,000 | 6,969 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $278,000 | 4,507 |
| Total noninterest expense | $2,501,000 | 5,380 |
| Salaries and employee benefits | $1,451,000 | 5,163 |
| Premises and equipment expense | $307,000 | 5,665 |
| Additional noninterest expense | $743,000 | 5,413 |
| Pre-tax net operating income | $273,000 | 7,492 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $93,000 | 5,430 |
| Income before extraordinary items | $180,000 | 7,669 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $180,000 | 7,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,206 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 680 |
| Net operating income | $180,000 | 7,636 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,686,000 | 6,119 |
| Total interest expense | $878,000 | 5,780 |
| Net interest income | $1,808,000 | 6,174 |
| Provision for loan and lease losses | $127,000 | 3,795 |
| Total noninterest income | $268,000 | 6,013 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 7,042 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $226,000 | 4,341 |
| Total noninterest expense | $1,803,000 | 5,474 |
| Salaries and employee benefits | $1,033,000 | 5,320 |
| Premises and equipment expense | $225,000 | 5,737 |
| Additional noninterest expense | $545,000 | 5,446 |
| Pre-tax net operating income | $146,000 | 7,839 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $50,000 | 5,792 |
| Income before extraordinary items | $96,000 | 7,988 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $96,000 | 7,989 |
| 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 | $133,000 | 529 |
| Net operating income | $96,000 | 7,958 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,606,000 | 6,359 |
| Total interest expense | $497,000 | 6,058 |
| Net interest income | $1,109,000 | 6,398 |
| Provision for loan and lease losses | $96,000 | 3,425 |
| Total noninterest income | $165,000 | 6,152 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $27,000 | 7,065 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $138,000 | 4,501 |
| Total noninterest expense | $1,163,000 | 5,572 |
| Salaries and employee benefits | $680,000 | 5,336 |
| Premises and equipment expense | $145,000 | 5,799 |
| Additional noninterest expense | $338,000 | 5,645 |
| Pre-tax net operating income | $15,000 | 8,304 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 6,626 |
| Income before extraordinary items | $10,000 | 8,333 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $10,000 | 8,333 |
| 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 | $133,000 | 401 |
| Net operating income | $10,000 | 8,305 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $743,000 | 6,593 |
| Total interest expense | $215,000 | 6,358 |
| Net interest income | $528,000 | 6,565 |
| Provision for loan and lease losses | $49,000 | 3,251 |
| Total noninterest income | $48,000 | 7,143 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,797 |
| Total noninterest expense | $572,000 | 5,658 |
| Salaries and employee benefits | $323,000 | 5,558 |
| Premises and equipment expense | $72,000 | 5,866 |
| Additional noninterest expense | $177,000 | 5,469 |
| Pre-tax net operating income | $-45,000 | 8,569 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-16,000 | 8,721 |
| Income before extraordinary items | $-29,000 | 8,548 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-29,000 | 8,548 |
| 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 | $-29,000 | 8,522 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 7,225 |
| Total interest expense | $592,000 | 6,968 |
| Net interest income | $1,562,000 | 7,236 |
| Provision for loan and lease losses | $223,000 | 3,521 |
| Total noninterest income | $392,000 | 5,840 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $54,000 | 7,233 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $338,000 | 4,044 |
| Total noninterest expense | $2,000,000 | 6,004 |
| Salaries and employee benefits | $1,103,000 | 5,959 |
| Premises and equipment expense | $275,000 | 5,935 |
| Additional noninterest expense | $622,000 | 5,872 |
| Pre-tax net operating income | $-269,000 | 8,564 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-93,000 | 8,724 |
| Income before extraordinary items | $-176,000 | 8,565 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-176,000 | 8,567 |
| 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 | $132,000 | 622 |
| Net operating income | $-176,000 | 8,536 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 7,416 |
| Total interest expense | $405,000 | 7,174 |
| Net interest income | $1,085,000 | 7,402 |
| Provision for loan and lease losses | $166,000 | 3,364 |
| Total noninterest income | $220,000 | 6,510 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $43,000 | 7,213 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $177,000 | 4,755 |
| Total noninterest expense | $1,472,000 | 6,019 |
| Salaries and employee benefits | $787,000 | 6,068 |
| Premises and equipment expense | $205,000 | 5,910 |
| Additional noninterest expense | $480,000 | 5,750 |
| Pre-tax net operating income | $-333,000 | 8,711 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-114,000 | 8,863 |
| Income before extraordinary items | $-219,000 | 8,695 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-219,000 | 8,697 |
| 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 | $128,000 | 493 |
| Net operating income | $-219,000 | 8,667 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $902,000 | 7,661 |
| Total interest expense | $238,000 | 7,483 |
| Net interest income | $664,000 | 7,611 |
| Provision for loan and lease losses | $113,000 | 3,304 |
| Total noninterest income | $174,000 | 6,139 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $31,000 | 7,155 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $143,000 | 4,404 |
| Total noninterest expense | $964,000 | 6,121 |
| Salaries and employee benefits | $522,000 | 6,139 |
| Premises and equipment expense | $135,000 | 5,977 |
| Additional noninterest expense | $307,000 | 5,910 |
| Pre-tax net operating income | $-239,000 | 8,787 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-83,000 | 8,925 |
| Income before extraordinary items | $-156,000 | 8,758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-156,000 | 8,759 |
| 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 | $30,000 | 525 |
| Net operating income | $-156,000 | 8,732 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $421,000 | 7,826 |
| Total interest expense | $104,000 | 7,777 |
| Net interest income | $317,000 | 7,737 |
| Provision for loan and lease losses | $68,000 | 2,801 |
| Total noninterest income | $85,000 | 6,150 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $13,000 | 7,319 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $72,000 | 4,381 |
| Total noninterest expense | $478,000 | 6,192 |
| Salaries and employee benefits | $255,000 | 6,265 |
| Premises and equipment expense | $66,000 | 6,063 |
| Additional noninterest expense | $157,000 | 5,860 |
| Pre-tax net operating income | $-144,000 | 8,853 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-50,000 | 8,973 |
| Income before extraordinary items | $-94,000 | 8,828 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-94,000 | 8,829 |
| 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 | $-2,000 | 9,071 |
| Net operating income | $-94,000 | 8,795 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $696,000 | 8,826 |
| Total interest expense | $160,000 | 8,841 |
| Net interest income | $536,000 | 8,776 |
| Provision for loan and lease losses | $257,000 | 3,491 |
| Total noninterest income | $32,000 | 8,924 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $10,000 | 7,936 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $22,000 | 8,373 |
| Total noninterest expense | $1,613,000 | 6,683 |
| Salaries and employee benefits | $891,000 | 6,622 |
| Premises and equipment expense | $224,000 | 6,499 |
| Additional noninterest expense | $498,000 | 6,565 |
| Pre-tax net operating income | $-1,302,000 | 9,021 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-495,000 | 9,088 |
| Income before extraordinary items | $-807,000 | 8,999 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-807,000 | 8,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $8,264,000 | 117 |
| Net operating income | $-807,000 | 8,948 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $369,000 | 9,036 |
| Total interest expense | $82,000 | 9,031 |
| Net interest income | $287,000 | 9,004 |
| Provision for loan and lease losses | $178,000 | 3,620 |
| Total noninterest income | $32,000 | 8,929 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $5,000 | 8,030 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 7,963 |
| Total noninterest expense | $1,125,000 | 6,893 |
| Salaries and employee benefits | $675,000 | 6,585 |
| Premises and equipment expense | $166,000 | 6,526 |
| Additional noninterest expense | $284,000 | 7,284 |
| Pre-tax net operating income | $-984,000 | 9,080 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-315,000 | 9,150 |
| Income before extraordinary items | $-669,000 | 9,071 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-669,000 | 9,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $8,264,000 | 76 |
| Net operating income | $-669,000 | 9,020 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $135,000 | 9,178 |
| Total interest expense | $30,000 | 9,153 |
| Net interest income | $105,000 | 9,163 |
| Provision for loan and lease losses | $108,000 | 3,738 |
| Total noninterest income | $3,000 | 9,179 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,000 | 8,110 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,000 | 9,014 |
| Total noninterest expense | $672,000 | 7,202 |
| Salaries and employee benefits | $405,000 | 6,906 |
| Premises and equipment expense | $97,000 | 6,846 |
| Additional noninterest expense | $170,000 | 7,511 |
| Pre-tax net operating income | $-672,000 | 9,118 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-208,000 | 9,180 |
| Income before extraordinary items | $-464,000 | 9,123 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-464,000 | 9,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $8,238,000 | 49 |
| Net operating income | $-464,000 | 9,065 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $18,000 | 9,283 |
| Total interest expense | $1,000 | 9,281 |
| Net interest income | $17,000 | 9,271 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $0 | 9,248 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $247,000 | 7,958 |
| Salaries and employee benefits | $172,000 | 7,371 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $36,000 | 8,896 |
| Pre-tax net operating income | $-230,000 | 9,112 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-80,000 | 9,208 |
| Income before extraordinary items | $-150,000 | 9,096 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-150,000 | 9,093 |
| 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 | $7,720,000 | 26 |
| Net operating income | $-150,000 | 9,034 |
* 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.