Home > Riverview Community Bank > Income and Expense

Riverview Community Bank, Income and Expense

2009-09-30 (YTD Data)		Rank
Total interest income	$4,295,000	4,812
Total interest expense	$2,478,000	3,314
Net interest income	$1,817,000	5,931
Provision for loan and lease losses	$2,511,000	1,656
Total noninterest income	$303,000	5,181
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$115,000	5,150
Trading account gains and fees	$0	212
Additional Noninterest Income	$188,000	4,390
Total noninterest expense	$3,893,000	3,570
Salaries and employee benefits	$1,154,000	5,163
Premises and equipment expense	$621,000	3,072
Additional noninterest expense	$2,118,000	2,443
Pre-tax net operating income	$-4,284,000	7,442
Securities gains (losses)	$63,000	2,145
Applicable income taxes	$0	4,592
Income before extraordinary items	$-4,221,000	7,506
Extraordinary gains, net	$0	27
Net income	$-4,221,000	7,506
Minority interest net income	$0	118
Net income of bank and minority interests.	$-4,221,000	7,506
Net charge-offs	$2,361,000	1,370
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-4,284,000	7,522
2009-06-30 (YTD Data)		Rank
Total interest income	$3,023,000	4,681
Total interest expense	$1,739,000	3,315
Net interest income	$1,284,000	5,803
Provision for loan and lease losses	$2,551,000	1,205
Total noninterest income	$223,000	5,028
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$77,000	5,132
Trading account gains and fees	$0	193
Additional Noninterest Income	$146,000	4,171
Total noninterest expense	$2,763,000	3,440
Salaries and employee benefits	$825,000	5,011
Premises and equipment expense	$429,000	3,013
Additional noninterest expense	$1,509,000	2,325
Pre-tax net operating income	$-3,807,000	7,647
Securities gains (losses)	$63,000	1,760
Applicable income taxes	$0	4,657
Income before extraordinary items	$-3,744,000	7,699
Extraordinary gains, net	$0	21
Net income	$-3,744,000	7,698
Minority interest net income	$0	112
Net income of bank and minority interests.	$-3,744,000	7,698
Net charge-offs	$1,974,000	1,138
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-3,807,000	7,716
2009-03-31 (YTD Data)		Rank
Total interest income	$1,633,000	4,507
Total interest expense	$920,000	3,280
Net interest income	$713,000	5,532
Provision for loan and lease losses	$621,000	1,566
Total noninterest income	$74,000	5,725
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$40,000	5,014
Trading account gains and fees	$0	171
Additional Noninterest Income	$34,000	5,436
Total noninterest expense	$1,233,000	3,693
Salaries and employee benefits	$451,000	4,783
Premises and equipment expense	$200,000	3,224
Additional noninterest expense	$582,000	2,630
Pre-tax net operating income	$-1,067,000	7,650
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-1,067,000	7,719
Extraordinary gains, net	$0	15
Net income	$-1,067,000	7,722
Minority interest net income	$0	102
Net income of bank and minority interests.	$-1,067,000	7,721
Net charge-offs	$355,000	1,638
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,067,000	7,718
2008-12-31 (YTD Data)		Rank
Total interest income	$8,508,000	3,961
Total interest expense	$4,611,000	3,182
Net interest income	$3,897,000	4,658
Provision for loan and lease losses	$7,023,000	784
Total noninterest income	$214,000	6,388
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$154,000	5,270
Trading account gains and fees	$0	154
Additional Noninterest Income	$60,000	6,572
Total noninterest expense	$4,867,000	3,640
Salaries and employee benefits	$2,335,000	3,976
Premises and equipment expense	$851,000	3,022
Additional noninterest expense	$1,681,000	3,328
Pre-tax net operating income	$-7,779,000	7,930
Securities gains (losses)	$0	3,220
Applicable income taxes	$0	4,979
Income before extraordinary items	$-7,779,000	7,940
Extraordinary gains, net	$0	39
Net income	$-7,779,000	7,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,404,000	646
Cash dividends	$72,000	5,140
Sale, conversion, retirement of capital stock, net	$725,000	472
Net operating income	$-7,779,000	7,974
2008-09-30 (YTD Data)		Rank
Total interest income	$6,699,000	3,883
Total interest expense	$3,619,000	3,155
Net interest income	$3,080,000	4,541
Provision for loan and lease losses	$3,582,000	808
Total noninterest income	$483,000	4,402
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$116,000	5,285
Trading account gains and fees	$0	148
Additional Noninterest Income	$367,000	3,322
Total noninterest expense	$3,787,000	3,517
Salaries and employee benefits	$1,582,000	4,297
Premises and equipment expense	$641,000	3,024
Additional noninterest expense	$1,564,000	2,672
Pre-tax net operating income	$-3,806,000	8,072
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$-3,806,000	8,070
Extraordinary gains, net	$0	31
Net income	$-3,806,000	8,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$984,000	1,316
Cash dividends	$72,000	4,582
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-3,806,000	8,123
2008-06-30 (YTD Data)		Rank
Total interest income	$4,588,000	3,869
Total interest expense	$2,542,000	3,138
Net interest income	$2,046,000	4,542
Provision for loan and lease losses	$1,237,000	1,071
Total noninterest income	$213,000	5,312
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$76,000	5,344
Trading account gains and fees	$0	149
Additional Noninterest Income	$137,000	4,462
Total noninterest expense	$2,357,000	3,753
Salaries and employee benefits	$1,080,000	4,263
Premises and equipment expense	$440,000	2,955
Additional noninterest expense	$837,000	3,227
Pre-tax net operating income	$-1,335,000	8,042
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$-1,335,000	8,115
Extraordinary gains, net	$0	21
Net income	$-1,335,000	8,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$264,000	1,924
Cash dividends	$72,000	4,309
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-1,335,000	8,104
2008-03-31 (YTD Data)		Rank
Total interest income	$2,387,000	3,831
Total interest expense	$1,365,000	3,126
Net interest income	$1,022,000	4,548
Provision for loan and lease losses	$137,000	2,296
Total noninterest income	$98,000	5,467
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$35,000	5,454
Trading account gains and fees	$0	158
Additional Noninterest Income	$63,000	4,607
Total noninterest expense	$1,051,000	4,093
Salaries and employee benefits	$565,000	4,159
Premises and equipment expense	$207,000	3,130
Additional noninterest expense	$279,000	4,347
Pre-tax net operating income	$-68,000	7,465
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-68,000	7,566
Extraordinary gains, net	$0	15
Net income	$-68,000	7,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	3,496
Cash dividends	$72,000	3,178
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-68,000	7,511
2007-12-31 (YTD Data)		Rank
Total interest income	$10,834,000	3,567
Total interest expense	$5,879,000	3,052
Net interest income	$4,955,000	4,027
Provision for loan and lease losses	$479,000	2,409
Total noninterest income	$503,000	5,017
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$165,000	5,259
Trading account gains and fees	$0	178
Additional Noninterest Income	$338,000	4,031
Total noninterest expense	$4,590,000	3,701
Salaries and employee benefits	$2,418,000	3,820
Premises and equipment expense	$816,000	3,027
Additional noninterest expense	$1,356,000	3,717
Pre-tax net operating income	$389,000	6,298
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$389,000	6,087
Extraordinary gains, net	$0	39
Net income	$389,000	6,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$452,000	1,808
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$389,000	6,075
2007-09-30 (YTD Data)		Rank
Total interest income	$8,122,000	3,573
Total interest expense	$4,401,000	3,055
Net interest income	$3,721,000	4,035
Provision for loan and lease losses	$281,000	2,401
Total noninterest income	$401,000	4,897
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$118,000	5,364
Trading account gains and fees	$0	184
Additional Noninterest Income	$283,000	3,845
Total noninterest expense	$3,510,000	3,612
Salaries and employee benefits	$1,888,000	3,687
Premises and equipment expense	$608,000	3,039
Additional noninterest expense	$1,014,000	3,661
Pre-tax net operating income	$331,000	6,442
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$331,000	6,155
Extraordinary gains, net	$0	33
Net income	$331,000	6,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	2,030
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$331,000	6,141
2007-06-30 (YTD Data)		Rank
Total interest income	$5,402,000	3,583
Total interest expense	$2,873,000	3,109
Net interest income	$2,529,000	3,996
Provision for loan and lease losses	$211,000	2,070
Total noninterest income	$269,000	4,918
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$75,000	5,454
Trading account gains and fees	$0	168
Additional Noninterest Income	$194,000	3,835
Total noninterest expense	$2,352,000	3,627
Salaries and employee benefits	$1,280,000	3,681
Premises and equipment expense	$421,000	2,971
Additional noninterest expense	$651,000	3,771
Pre-tax net operating income	$235,000	6,449
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$235,000	6,124
Extraordinary gains, net	$0	29
Net income	$235,000	6,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$158,000	1,561
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$235,000	6,112
2007-03-31 (YTD Data)		Rank
Total interest income	$2,671,000	3,596
Total interest expense	$1,414,000	3,140
Net interest income	$1,257,000	4,018
Provision for loan and lease losses	$115,000	1,841
Total noninterest income	$130,000	4,935
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$40,000	5,312
Trading account gains and fees	$0	195
Additional Noninterest Income	$90,000	3,960
Total noninterest expense	$1,130,000	3,745
Salaries and employee benefits	$658,000	3,623
Premises and equipment expense	$199,000	3,126
Additional noninterest expense	$273,000	4,239
Pre-tax net operating income	$142,000	6,140
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$142,000	5,756
Extraordinary gains, net	$0	22
Net income	$142,000	5,755
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,000	1,073
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$142,000	5,740
2006-12-31 (YTD Data)		Rank
Total interest income	$10,472,000	3,453
Total interest expense	$5,035,000	3,010
Net interest income	$5,437,000	3,781
Provision for loan and lease losses	$528,000	1,816
Total noninterest income	$706,000	4,342
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$149,000	5,542
Trading account gains and fees	$0	130
Additional Noninterest Income	$557,000	3,154
Total noninterest expense	$5,524,000	3,072
Salaries and employee benefits	$2,732,000	3,384
Premises and equipment expense	$1,193,000	2,086
Additional noninterest expense	$1,599,000	3,127
Pre-tax net operating income	$91,000	7,733
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$91,000	7,705
Extraordinary gains, net	$0	51
Net income	$91,000	7,707
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$152,000	2,569
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$150,000	815
Net operating income	$91,000	7,698
2006-09-30 (YTD Data)		Rank
Total interest income	$7,637,000	3,505
Total interest expense	$3,610,000	3,037
Net interest income	$4,027,000	3,830
Provision for loan and lease losses	$406,000	1,677
Total noninterest income	$586,000	4,119
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$101,000	5,777
Trading account gains and fees	$0	126
Additional Noninterest Income	$485,000	2,899
Total noninterest expense	$4,173,000	3,055
Salaries and employee benefits	$2,057,000	3,370
Premises and equipment expense	$881,000	2,123
Additional noninterest expense	$1,235,000	3,043
Pre-tax net operating income	$34,000	8,008
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$34,000	8,019
Extraordinary gains, net	$0	45
Net income	$34,000	8,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	2,824
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$150,000	639
Net operating income	$34,000	8,005
2006-06-30 (YTD Data)		Rank
Total interest income	$4,930,000	3,528
Total interest expense	$2,251,000	3,087
Net interest income	$2,679,000	3,854
Provision for loan and lease losses	$356,000	1,289
Total noninterest income	$387,000	4,124
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$61,000	5,942
Trading account gains and fees	$0	126
Additional Noninterest Income	$326,000	2,863
Total noninterest expense	$2,760,000	3,083
Salaries and employee benefits	$1,391,000	3,340
Premises and equipment expense	$575,000	2,161
Additional noninterest expense	$794,000	3,155
Pre-tax net operating income	$-50,000	8,280
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-50,000	8,281
Extraordinary gains, net	$0	39
Net income	$-50,000	8,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	2,156
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$100,000	535
Net operating income	$-50,000	8,279
2006-03-31 (YTD Data)		Rank
Total interest income	$2,349,000	3,604
Total interest expense	$1,043,000	3,154
Net interest income	$1,306,000	3,926
Provision for loan and lease losses	$25,000	4,252
Total noninterest income	$205,000	3,931
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$29,000	5,974
Trading account gains and fees	$0	115
Additional Noninterest Income	$176,000	2,710
Total noninterest expense	$1,397,000	3,067
Salaries and employee benefits	$707,000	3,303
Premises and equipment expense	$304,000	2,070
Additional noninterest expense	$386,000	3,221
Pre-tax net operating income	$89,000	7,183
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$89,000	6,905
Extraordinary gains, net	$0	21
Net income	$89,000	6,906
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	1,486
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$100,000	313
Net operating income	$89,000	6,902
2005-12-31 (YTD Data)		Rank
Total interest income	$6,906,000	4,191
Total interest expense	$2,889,000	3,447
Net interest income	$4,017,000	4,608
Provision for loan and lease losses	$661,000	1,504
Total noninterest income	$1,105,000	3,321
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$121,000	5,986
Trading account gains and fees	$0	138
Additional Noninterest Income	$984,000	2,242
Total noninterest expense	$5,463,000	3,001
Salaries and employee benefits	$2,681,000	3,288
Premises and equipment expense	$840,000	2,764
Additional noninterest expense	$1,942,000	2,561
Pre-tax net operating income	$-1,002,000	8,637
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-1,002,000	8,664
Extraordinary gains, net	$-331,000	8,824
Net income	$-1,333,000	8,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,108
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$6,566,000	265
Net operating income	$-1,002,000	8,648
2005-09-30 (YTD Data)		Rank
Total interest income	$4,703,000	4,446
Total interest expense	$1,931,000	3,604
Net interest income	$2,772,000	4,875
Provision for loan and lease losses	$389,000	1,767
Total noninterest income	$753,000	3,561
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$106,000	5,754
Trading account gains and fees	$0	126
Additional Noninterest Income	$647,000	2,437
Total noninterest expense	$3,699,000	3,250
Salaries and employee benefits	$1,928,000	3,388
Premises and equipment expense	$530,000	3,193
Additional noninterest expense	$1,241,000	2,958
Pre-tax net operating income	$-563,000	8,616
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-563,000	8,661
Extraordinary gains, net	$0	35
Net income	$-563,000	8,661
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	$4,166,000	236
Net operating income	$-563,000	8,637
2005-06-30 (YTD Data)		Rank
Total interest income	$2,882,000	4,623
Total interest expense	$1,149,000	3,742
Net interest income	$1,733,000	5,060
Provision for loan and lease losses	$353,000	1,327
Total noninterest income	$465,000	3,699
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$60,000	6,007
Trading account gains and fees	$0	116
Additional Noninterest Income	$405,000	2,520
Total noninterest expense	$2,058,000	3,728
Salaries and employee benefits	$1,212,000	3,532
Premises and equipment expense	$301,000	3,616
Additional noninterest expense	$545,000	4,092
Pre-tax net operating income	$-213,000	8,558
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-213,000	8,591
Extraordinary gains, net	$0	30
Net income	$-213,000	8,591
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	$3,967,000	159
Net operating income	$-213,000	8,565
2005-03-31 (YTD Data)		Rank
Total interest income	$1,327,000	4,854
Total interest expense	$516,000	3,932
Net interest income	$811,000	5,297
Provision for loan and lease losses	$139,000	1,568
Total noninterest income	$187,000	4,152
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$28,000	6,092
Trading account gains and fees	$0	115
Additional Noninterest Income	$159,000	2,872
Total noninterest expense	$919,000	4,095
Salaries and employee benefits	$533,000	3,894
Premises and equipment expense	$140,000	3,846
Additional noninterest expense	$246,000	4,414
Pre-tax net operating income	$-60,000	8,597
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-60,000	8,611
Extraordinary gains, net	$0	24
Net income	$-60,000	8,611
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	$3,967,000	78
Net operating income	$-60,000	8,589
2004-12-31 (YTD Data)		Rank
Total interest income	$3,935,000	5,598
Total interest expense	$1,463,000	4,587
Net interest income	$2,472,000	6,040
Provision for loan and lease losses	$299,000	2,963
Total noninterest income	$665,000	4,543
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$87,000	6,666
Trading account gains and fees	$0	138
Additional Noninterest Income	$578,000	3,054
Total noninterest expense	$2,791,000	4,909
Salaries and employee benefits	$1,548,000	4,837
Premises and equipment expense	$495,000	4,128
Additional noninterest expense	$748,000	5,318
Pre-tax net operating income	$47,000	8,260
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$47,000	8,295
Extraordinary gains, net	$0	34
Net income	$47,000	8,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,541
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$2,269,000	330
Net operating income	$47,000	8,256
2004-09-30 (YTD Data)		Rank
Total interest income	$2,706,000	5,874
Total interest expense	$987,000	4,814
Net interest income	$1,719,000	6,260
Provision for loan and lease losses	$158,000	3,444
Total noninterest income	$426,000	4,982
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$64,000	6,729
Trading account gains and fees	$0	134
Additional Noninterest Income	$362,000	3,376
Total noninterest expense	$1,814,000	5,387
Salaries and employee benefits	$1,002,000	5,312
Premises and equipment expense	$341,000	4,365
Additional noninterest expense	$471,000	5,804
Pre-tax net operating income	$173,000	7,812
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$173,000	7,634
Extraordinary gains, net	$0	26
Net income	$173,000	7,634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	4,743
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$1,869,000	268
Net operating income	$173,000	7,581
2004-06-30 (YTD Data)		Rank
Total interest income	$1,606,000	6,243
Total interest expense	$577,000	5,223
Net interest income	$1,029,000	6,582
Provision for loan and lease losses	$98,000	3,550
Total noninterest income	$246,000	5,335
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$30,000	7,195
Trading account gains and fees	$0	130
Additional Noninterest Income	$216,000	3,595
Total noninterest expense	$1,095,000	5,724
Salaries and employee benefits	$612,000	5,629
Premises and equipment expense	$222,000	4,451
Additional noninterest expense	$261,000	6,403
Pre-tax net operating income	$82,000	8,049
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$82,000	7,948
Extraordinary gains, net	$0	21
Net income	$82,000	7,950
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,069
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$1,000,000	212
Net operating income	$82,000	7,889
2004-03-31 (YTD Data)		Rank
Total interest income	$730,000	6,575
Total interest expense	$248,000	5,736
Net interest income	$482,000	6,789
Provision for loan and lease losses	$98,000	2,175
Total noninterest income	$144,000	4,873
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$11,000	7,439
Trading account gains and fees	$0	121
Additional Noninterest Income	$133,000	3,151
Total noninterest expense	$512,000	5,967
Salaries and employee benefits	$317,000	5,552
Premises and equipment expense	$106,000	4,616
Additional noninterest expense	$89,000	7,409
Pre-tax net operating income	$16,000	8,360
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$16,000	8,388
Extraordinary gains, net	$0	16
Net income	$16,000	8,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,876
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$16,000	8,321
2003-12-31 (YTD Data)		Rank
Total interest income	$1,238,000	8,355
Total interest expense	$412,000	8,072
Net interest income	$826,000	8,371
Provision for loan and lease losses	$300,000	3,140
Total noninterest income	$1,207,000	3,292
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$23,000	7,801
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,184,000	2,142
Total noninterest expense	$2,356,000	5,433
Salaries and employee benefits	$1,504,000	4,840
Premises and equipment expense	$316,000	5,510
Additional noninterest expense	$536,000	6,342
Pre-tax net operating income	$-623,000	8,873
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$-623,000	8,941
Extraordinary gains, net	$0	54
Net income	$-623,000	8,939
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	$4,800,000	205
Net operating income	$-623,000	8,889
2003-09-30 (YTD Data)		Rank
Total interest income	$604,000	8,828
Total interest expense	$227,000	8,558
Net interest income	$377,000	8,885
Provision for loan and lease losses	$190,000	3,426
Total noninterest income	$874,000	3,442
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$12,000	7,937
Trading account gains and fees	$0	153
Additional Noninterest Income	$862,000	2,257
Total noninterest expense	$1,539,000	5,894
Salaries and employee benefits	$958,000	5,392
Premises and equipment expense	$203,000	5,970
Additional noninterest expense	$378,000	6,503
Pre-tax net operating income	$-478,000	8,948
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-478,000	9,021
Extraordinary gains, net	$0	40
Net income	$-478,000	9,020
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	$4,650,000	136
Net operating income	$-478,000	8,963
2003-06-30 (YTD Data)		Rank
Total interest income	$164,000	9,161
Total interest expense	$82,000	8,976
Net interest income	$82,000	9,187
Provision for loan and lease losses	$145,000	3,188
Total noninterest income	$407,000	4,202
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$7,000	7,984
Trading account gains and fees	$0	150
Additional Noninterest Income	$400,000	2,803
Total noninterest expense	$703,000	7,074
Salaries and employee benefits	$392,000	6,993
Premises and equipment expense	$97,000	6,846
Additional noninterest expense	$214,000	6,965
Pre-tax net operating income	$-359,000	9,012
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-359,000	9,085
Extraordinary gains, net	$0	30
Net income	$-359,000	9,084
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	$4,650,000	88
Net operating income	$-359,000	9,027
2003-03-31 (YTD Data)		Rank
Total interest income	$6,000	9,301
Total interest expense	$0	9,288
Net interest income	$6,000	9,292
Provision for loan and lease losses	$0	6,934
Total noninterest income	$5,000	9,143
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	$5,000	8,460
Total noninterest expense	$113,000	9,006
Salaries and employee benefits	$37,000	9,213
Premises and equipment expense	$6,000	9,130
Additional noninterest expense	$70,000	7,943
Pre-tax net operating income	$-102,000	8,973
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-102,000	9,035
Extraordinary gains, net	$0	21
Net income	$-102,000	9,033
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	$4,350,000	47
Net operating income	$-102,000	8,964

* 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.