Home > RomAsia Bank > Income and Expense

RomAsia Bank, Income and Expense

2013-09-30 (YTD Data)		Rank
Total interest income	$3,979,000	3,957
Total interest expense	$1,014,000	2,413
Net interest income	$2,965,000	4,344
Provision for loan and lease losses	$175,000	2,770
Total noninterest income	$319,000	4,719
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$12,000	6,532
Trading account gains and fees	$0	180
Additional Noninterest Income	$307,000	3,720
Total noninterest expense	$2,927,000	3,993
Salaries and employee benefits	$1,284,000	4,448
Premises and equipment expense	$619,000	2,658
Additional noninterest expense	$1,024,000	3,891
Pre-tax net operating income	$182,000	5,733
Securities gains (losses)	$0	3,040
Applicable income taxes	$101,000	3,312
Income before extraordinary items	$81,000	6,095
Extraordinary gains, net	$0	25
Net income	$81,000	6,097
Minority interest net income	$0	84
Net income of bank and minority interests.	$81,000	6,096
Net charge-offs	$155,000	2,830
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$47,000	579
Net operating income	$81,000	6,035
2013-06-30 (YTD Data)		Rank
Total interest income	$2,726,000	3,904
Total interest expense	$699,000	2,404
Net interest income	$2,027,000	4,284
Provision for loan and lease losses	$65,000	3,338
Total noninterest income	$287,000	4,292
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$6,000	6,619
Trading account gains and fees	$0	157
Additional Noninterest Income	$281,000	3,304
Total noninterest expense	$2,076,000	3,873
Salaries and employee benefits	$893,000	4,383
Premises and equipment expense	$423,000	2,627
Additional noninterest expense	$760,000	3,626
Pre-tax net operating income	$173,000	5,463
Securities gains (losses)	$1,000	2,688
Applicable income taxes	$75,000	3,208
Income before extraordinary items	$99,000	5,863
Extraordinary gains, net	$0	22
Net income	$99,000	5,865
Minority interest net income	$0	82
Net income of bank and minority interests.	$99,000	5,865
Net charge-offs	$18,000	4,060
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$31,000	556
Net operating income	$98,360	5,778
2013-03-31 (YTD Data)		Rank
Total interest income	$1,396,000	3,876
Total interest expense	$366,000	2,378
Net interest income	$1,030,000	4,253
Provision for loan and lease losses	$4,000	4,247
Total noninterest income	$145,000	4,245
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$4,000	6,617
Trading account gains and fees	$0	148
Additional Noninterest Income	$141,000	3,266
Total noninterest expense	$997,000	3,997
Salaries and employee benefits	$463,000	4,337
Premises and equipment expense	$220,000	2,566
Additional noninterest expense	$314,000	4,110
Pre-tax net operating income	$174,000	4,668
Securities gains (losses)	$1,000	1,864
Applicable income taxes	$75,000	2,670
Income before extraordinary items	$100,000	5,255
Extraordinary gains, net	$0	10
Net income	$100,000	5,257
Minority interest net income	$0	76
Net income of bank and minority interests.	$100,000	5,257
Net charge-offs	$18,000	3,151
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$15,000	514
Net operating income	$99,360	5,158
2012-12-31 (YTD Data)		Rank
Total interest income	$5,591,000	4,017
Total interest expense	$1,597,000	2,593
Net interest income	$3,994,000	4,418
Provision for loan and lease losses	$248,000	3,653
Total noninterest income	$993,000	3,268
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$12,000	6,767
Trading account gains and fees	$0	166
Additional Noninterest Income	$981,000	2,394
Total noninterest expense	$4,185,000	3,911
Salaries and employee benefits	$2,047,000	4,080
Premises and equipment expense	$896,000	2,494
Additional noninterest expense	$1,242,000	4,276
Pre-tax net operating income	$554,000	4,806
Securities gains (losses)	$175,000	1,813
Applicable income taxes	$317,000	2,608
Income before extraordinary items	$412,000	5,168
Extraordinary gains, net	$0	29
Net income	$412,000	5,167
Minority interest net income	$0	93
Net income of bank and minority interests.	$412,000	5,168
Net charge-offs	$43,000	5,018
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$59,000	677
Net operating income	$300,000	5,274
2012-09-30 (YTD Data)		Rank
Total interest income	$4,129,000	4,135
Total interest expense	$1,193,000	2,684
Net interest income	$2,936,000	4,529
Provision for loan and lease losses	$233,000	3,301
Total noninterest income	$691,000	3,432
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$10,000	6,841
Trading account gains and fees	$0	157
Additional Noninterest Income	$681,000	2,506
Total noninterest expense	$3,060,000	4,009
Salaries and employee benefits	$1,559,000	4,054
Premises and equipment expense	$675,000	2,512
Additional noninterest expense	$826,000	4,586
Pre-tax net operating income	$334,000	5,189
Securities gains (losses)	$133,000	1,771
Applicable income taxes	$201,000	2,828
Income before extraordinary items	$266,000	5,466
Extraordinary gains, net	$0	20
Net income	$266,000	5,465
Minority interest net income	$0	86
Net income of bank and minority interests.	$266,000	5,465
Net charge-offs	$43,000	4,621
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$43,000	633
Net operating income	$180,880	5,634
2012-06-30 (YTD Data)		Rank
Total interest income	$2,751,000	4,172
Total interest expense	$784,000	2,819
Net interest income	$1,967,000	4,546
Provision for loan and lease losses	$142,000	3,458
Total noninterest income	$444,000	3,470
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$7,000	6,880
Trading account gains and fees	$0	153
Additional Noninterest Income	$437,000	2,520
Total noninterest expense	$2,012,000	4,078
Salaries and employee benefits	$1,028,000	4,102
Premises and equipment expense	$453,000	2,507
Additional noninterest expense	$531,000	4,697
Pre-tax net operating income	$257,000	5,021
Securities gains (losses)	$14,000	2,626
Applicable income taxes	$119,000	2,924
Income before extraordinary items	$152,000	5,620
Extraordinary gains, net	$0	19
Net income	$152,000	5,619
Minority interest net income	$0	84
Net income of bank and minority interests.	$152,000	5,619
Net charge-offs	$43,000	4,152
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$27,000	619
Net operating income	$143,040	5,495
2012-03-31 (YTD Data)		Rank
Total interest income	$1,373,000	4,218
Total interest expense	$398,000	2,872
Net interest income	$975,000	4,603
Provision for loan and lease losses	$40,000	3,905
Total noninterest income	$199,000	3,659
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$2,000	6,990
Trading account gains and fees	$0	148
Additional Noninterest Income	$197,000	2,689
Total noninterest expense	$973,000	4,171
Salaries and employee benefits	$484,000	4,290
Premises and equipment expense	$232,000	2,468
Additional noninterest expense	$257,000	4,795
Pre-tax net operating income	$161,000	4,828
Securities gains (losses)	$0	2,210
Applicable income taxes	$69,000	2,777
Income before extraordinary items	$92,000	5,476
Extraordinary gains, net	$0	19
Net income	$92,000	5,476
Minority interest net income	$0	78
Net income of bank and minority interests.	$92,000	5,476
Net charge-offs	$43,000	3,131
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$12,000	577
Net operating income	$92,000	5,313
2011-12-31 (YTD Data)		Rank
Total interest income	$5,558,000	4,280
Total interest expense	$1,773,000	3,034
Net interest income	$3,785,000	4,685
Provision for loan and lease losses	$24,000	6,157
Total noninterest income	$54,000	6,769
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$6,000	6,902
Trading account gains and fees	$0	146
Additional Noninterest Income	$48,000	5,944
Total noninterest expense	$3,664,000	4,371
Salaries and employee benefits	$1,812,000	4,427
Premises and equipment expense	$1,181,000	2,096
Additional noninterest expense	$671,000	5,787
Pre-tax net operating income	$151,000	5,608
Securities gains (losses)	$109,000	1,992
Applicable income taxes	$111,000	3,314
Income before extraordinary items	$149,000	5,708
Extraordinary gains, net	$0	29
Net income	$149,000	5,711
Minority interest net income	$0	96
Net income of bank and minority interests.	$149,000	5,711
Net charge-offs	$0	6,441
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$2,500,000	218
Net operating income	$79,240	5,825
2011-09-30 (YTD Data)		Rank
Total interest income	$4,200,000	4,310
Total interest expense	$1,371,000	3,081
Net interest income	$2,829,000	4,719
Provision for loan and lease losses	$17,000	6,077
Total noninterest income	$15,000	7,024
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	6,959
Trading account gains and fees	$0	145
Additional Noninterest Income	$11,000	6,610
Total noninterest expense	$2,759,000	4,352
Salaries and employee benefits	$1,360,000	4,422
Premises and equipment expense	$886,000	2,105
Additional noninterest expense	$513,000	5,771
Pre-tax net operating income	$68,000	5,930
Securities gains (losses)	$78,000	2,000
Applicable income taxes	$62,000	3,514
Income before extraordinary items	$84,000	5,953
Extraordinary gains, net	$0	21
Net income	$84,000	5,954
Minority interest net income	$0	87
Net income of bank and minority interests.	$84,000	5,954
Net charge-offs	$0	6,185
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$34,080	6,044
2011-06-30 (YTD Data)		Rank
Total interest income	$2,794,000	4,361
Total interest expense	$924,000	3,150
Net interest income	$1,870,000	4,761
Provision for loan and lease losses	$42,000	5,255
Total noninterest income	$8,000	7,129
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$3,000	6,994
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,000	6,772
Total noninterest expense	$1,832,000	4,401
Salaries and employee benefits	$921,000	4,419
Premises and equipment expense	$596,000	2,122
Additional noninterest expense	$315,000	6,025
Pre-tax net operating income	$4,000	6,169
Securities gains (losses)	$39,000	1,734
Applicable income taxes	$19,000	3,849
Income before extraordinary items	$24,000	6,173
Extraordinary gains, net	$0	15
Net income	$24,000	6,172
Minority interest net income	$0	89
Net income of bank and minority interests.	$24,000	6,173
Net charge-offs	$0	5,875
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-960	6,227
2011-03-31 (YTD Data)		Rank
Total interest income	$1,366,000	4,434
Total interest expense	$453,000	3,292
Net interest income	$913,000	4,820
Provision for loan and lease losses	$45,000	4,252
Total noninterest income	$3,000	7,236
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,070
Trading account gains and fees	$0	158
Additional Noninterest Income	$3,000	6,858
Total noninterest expense	$875,000	4,556
Salaries and employee benefits	$423,000	4,700
Premises and equipment expense	$281,000	2,257
Additional noninterest expense	$171,000	5,885
Pre-tax net operating income	$-4,000	6,365
Securities gains (losses)	$18,000	1,128
Applicable income taxes	$5,000	4,051
Income before extraordinary items	$9,000	6,272
Extraordinary gains, net	$0	9
Net income	$9,000	6,271
Minority interest net income	$0	86
Net income of bank and minority interests.	$9,000	6,272
Net charge-offs	$0	5,107
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-2,520	6,371
2010-12-31 (YTD Data)		Rank
Total interest income	$4,762,000	4,957
Total interest expense	$1,814,000	3,804
Net interest income	$2,948,000	5,404
Provision for loan and lease losses	$243,000	5,125
Total noninterest income	$10,000	7,228
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$10,000	6,786
Total noninterest expense	$3,113,000	4,931
Salaries and employee benefits	$1,505,000	5,049
Premises and equipment expense	$1,027,000	2,428
Additional noninterest expense	$581,000	6,256
Pre-tax net operating income	$-398,000	6,191
Securities gains (losses)	$189,000	1,632
Applicable income taxes	$-88,000	6,812
Income before extraordinary items	$-121,000	6,101
Extraordinary gains, net	$0	29
Net income	$-121,000	6,100
Minority interest net income	$0	111
Net income of bank and minority interests.	$-121,000	6,101
Net charge-offs	$0	6,851
Cash dividends	$65,000	3,878
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-241,960	6,143
2010-09-30 (YTD Data)		Rank
Total interest income	$3,459,000	5,134
Total interest expense	$1,357,000	3,965
Net interest income	$2,102,000	5,593
Provision for loan and lease losses	$142,000	5,319
Total noninterest income	$7,000	7,394
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$7,000	6,979
Total noninterest expense	$2,257,000	5,036
Salaries and employee benefits	$1,071,000	5,228
Premises and equipment expense	$748,000	2,526
Additional noninterest expense	$438,000	6,304
Pre-tax net operating income	$-290,000	6,388
Securities gains (losses)	$102,000	1,924
Applicable income taxes	$-79,000	7,041
Income before extraordinary items	$-109,000	6,319
Extraordinary gains, net	$0	23
Net income	$-109,000	6,319
Minority interest net income	$0	110
Net income of bank and minority interests.	$-109,000	6,319
Net charge-offs	$0	6,672
Cash dividends	$65,000	3,369
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-174,280	6,316
2010-06-30 (YTD Data)		Rank
Total interest income	$2,192,000	5,301
Total interest expense	$874,000	4,139
Net interest income	$1,318,000	5,744
Provision for loan and lease losses	$93,000	5,235
Total noninterest income	$3,000	7,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$3,000	7,111
Total noninterest expense	$1,426,000	5,203
Salaries and employee benefits	$663,000	5,480
Premises and equipment expense	$469,000	2,653
Additional noninterest expense	$294,000	6,316
Pre-tax net operating income	$-198,000	6,432
Securities gains (losses)	$51,000	1,869
Applicable income taxes	$-61,000	7,113
Income before extraordinary items	$-86,000	6,386
Extraordinary gains, net	$0	19
Net income	$-86,000	6,388
Minority interest net income	$0	105
Net income of bank and minority interests.	$-86,000	6,386
Net charge-offs	$0	6,372
Cash dividends	$65,000	3,070
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-118,640	6,380
2010-03-31 (YTD Data)		Rank
Total interest income	$1,028,000	5,550
Total interest expense	$423,000	4,331
Net interest income	$605,000	5,987
Provision for loan and lease losses	$30,000	5,300
Total noninterest income	$1,000	7,632
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,000	7,328
Total noninterest expense	$665,000	5,459
Salaries and employee benefits	$307,000	5,752
Premises and equipment expense	$237,000	2,694
Additional noninterest expense	$121,000	6,719
Pre-tax net operating income	$-89,000	6,622
Securities gains (losses)	$23,000	1,463
Applicable income taxes	$-27,000	7,237
Income before extraordinary items	$-39,000	6,566
Extraordinary gains, net	$0	16
Net income	$-39,000	6,568
Minority interest net income	$0	91
Net income of bank and minority interests.	$-39,000	6,567
Net charge-offs	$0	5,610
Cash dividends	$32,000	2,411
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-53,720	6,557
2009-12-31 (YTD Data)		Rank
Total interest income	$3,383,000	6,108
Total interest expense	$1,830,000	4,698
Net interest income	$1,553,000	6,833
Provision for loan and lease losses	$168,000	5,965
Total noninterest income	$5,000	7,662
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$5,000	7,291
Total noninterest expense	$2,478,000	5,709
Salaries and employee benefits	$1,052,000	6,132
Premises and equipment expense	$870,000	2,905
Additional noninterest expense	$556,000	6,601
Pre-tax net operating income	$-1,088,000	6,285
Securities gains (losses)	$158,000	1,750
Applicable income taxes	$-367,000	6,932
Income before extraordinary items	$-563,000	6,119
Extraordinary gains, net	$0	34
Net income	$-563,000	6,119
Minority interest net income	$0	115
Net income of bank and minority interests.	$-563,000	6,119
Net charge-offs	$0	7,246
Cash dividends	$135,000	3,960
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-664,120	6,177
2009-09-30 (YTD Data)		Rank
Total interest income	$2,399,000	6,284
Total interest expense	$1,352,000	4,859
Net interest income	$1,047,000	7,069
Provision for loan and lease losses	$152,000	5,492
Total noninterest income	$4,000	7,794
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$4,000	7,458
Total noninterest expense	$1,808,000	5,798
Salaries and employee benefits	$757,000	6,248
Premises and equipment expense	$635,000	3,002
Additional noninterest expense	$416,000	6,620
Pre-tax net operating income	$-909,000	6,610
Securities gains (losses)	$105,000	1,800
Applicable income taxes	$-336,000	7,225
Income before extraordinary items	$-468,000	6,403
Extraordinary gains, net	$0	27
Net income	$-468,000	6,404
Minority interest net income	$0	118
Net income of bank and minority interests.	$-468,000	6,403
Net charge-offs	$0	6,987
Cash dividends	$101,000	3,570
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-535,200	6,450
2009-06-30 (YTD Data)		Rank
Total interest income	$1,496,000	6,482
Total interest expense	$869,000	5,066
Net interest income	$627,000	7,276
Provision for loan and lease losses	$116,000	5,165
Total noninterest income	$2,000	7,912
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$2,000	7,623
Total noninterest expense	$1,218,000	5,815
Salaries and employee benefits	$496,000	6,359
Premises and equipment expense	$414,000	3,088
Additional noninterest expense	$308,000	6,438
Pre-tax net operating income	$-705,000	6,814
Securities gains (losses)	$38,000	2,055
Applicable income taxes	$-278,000	7,397
Income before extraordinary items	$-389,000	6,640
Extraordinary gains, net	$0	21
Net income	$-389,000	6,641
Minority interest net income	$0	112
Net income of bank and minority interests.	$-389,000	6,641
Net charge-offs	$0	6,628
Cash dividends	$67,000	3,540
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-413,320	6,648
2009-03-31 (YTD Data)		Rank
Total interest income	$667,000	6,759
Total interest expense	$397,000	5,407
Net interest income	$270,000	7,488
Provision for loan and lease losses	$40,000	5,160
Total noninterest income	$1,000	8,011
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$1,000	7,715
Total noninterest expense	$553,000	6,005
Salaries and employee benefits	$250,000	6,395
Premises and equipment expense	$187,000	3,412
Additional noninterest expense	$116,000	6,839
Pre-tax net operating income	$-322,000	7,096
Securities gains (losses)	$1,000	2,304
Applicable income taxes	$-125,000	7,601
Income before extraordinary items	$-196,000	7,024
Extraordinary gains, net	$0	15
Net income	$-196,000	7,025
Minority interest net income	$0	102
Net income of bank and minority interests.	$-196,000	7,025
Net charge-offs	$0	5,728
Cash dividends	$33,000	2,818
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-196,640	6,951
2008-12-31 (YTD Data)		Rank
Total interest income	$754,000	8,102
Total interest expense	$468,000	7,731
Net interest income	$286,000	8,198
Provision for loan and lease losses	$140,000	5,648
Total noninterest income	$2,000	8,079
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$2,000	7,889
Total noninterest expense	$1,311,000	7,142
Salaries and employee benefits	$499,000	7,669
Premises and equipment expense	$368,000	5,311
Additional noninterest expense	$444,000	6,870
Pre-tax net operating income	$-1,163,000	7,082
Securities gains (losses)	$-3,000	6,917
Applicable income taxes	$-548,000	7,527
Income before extraordinary items	$-618,000	6,779
Extraordinary gains, net	$0	39
Net income	$-618,000	6,779
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,039
Cash dividends	$74,000	5,135
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-616,080	6,909
2008-09-30 (YTD Data)		Rank
Total interest income	$268,000	8,312
Total interest expense	$155,000	8,185
Net interest income	$113,000	8,339
Provision for loan and lease losses	$39,000	6,128
Total noninterest income	$1,000	8,215
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,000	8,065
Total noninterest expense	$735,000	7,606
Salaries and employee benefits	$300,000	7,926
Premises and equipment expense	$185,000	6,292
Additional noninterest expense	$250,000	7,316
Pre-tax net operating income	$-660,000	7,357
Securities gains (losses)	$0	3,106
Applicable income taxes	$-330,000	7,772
Income before extraordinary items	$-330,000	7,055
Extraordinary gains, net	$0	31
Net income	$-330,000	7,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,534
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-330,000	7,199
2008-06-30 (YTD Data)		Rank
Total interest income	$12,000	8,450
Total interest expense	$0	8,437
Net interest income	$12,000	8,442
Provision for loan and lease losses	$0	6,671
Total noninterest income	$0	8,311
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$0	8,191
Total noninterest expense	$86,000	8,429
Salaries and employee benefits	$37,000	8,422
Premises and equipment expense	$28,000	8,115
Additional noninterest expense	$21,000	8,433
Pre-tax net operating income	$-74,000	7,142
Securities gains (losses)	$0	3,233
Applicable income taxes	$-75,000	7,811
Income before extraordinary items	$1,000	7,005
Extraordinary gains, net	$0	21
Net income	$1,000	7,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,000	6,954

* 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.