Home > Rowan Savings Bank, SSB, Inc. > Income and Expense
Rowan Savings Bank, SSB, Inc., Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,371,000 | 3,714 |
| Total interest expense | $1,675,000 | 3,282 |
| Net interest income | $3,696,000 | 3,837 |
| Provision for loan and lease losses | $915,000 | 841 |
| Total noninterest income | $1,175,000 | 2,609 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $599,000 | 2,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $576,000 | 2,568 |
| Total noninterest expense | $3,198,000 | 3,526 |
| Salaries and employee benefits | $1,604,000 | 3,755 |
| Premises and equipment expense | $332,000 | 4,448 |
| Additional noninterest expense | $1,262,000 | 2,787 |
| Pre-tax net operating income | $758,000 | 5,330 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $239,000 | 4,159 |
| Income before extraordinary items | $519,000 | 5,727 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $519,000 | 5,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $672,000 | 759 |
| Cash dividends | $327,000 | 3,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $519,000 | 5,658 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 3,844 |
| Total interest expense | $1,072,000 | 3,393 |
| Net interest income | $2,356,000 | 3,957 |
| Provision for loan and lease losses | $905,000 | 558 |
| Total noninterest income | $819,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $384,000 | 2,222 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $435,000 | 2,394 |
| Total noninterest expense | $2,127,000 | 3,562 |
| Salaries and employee benefits | $1,055,000 | 3,820 |
| Premises and equipment expense | $216,000 | 4,527 |
| Additional noninterest expense | $856,000 | 2,751 |
| Pre-tax net operating income | $143,000 | 7,605 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $20,000 | 6,279 |
| Income before extraordinary items | $123,000 | 7,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $123,000 | 7,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $686,000 | 565 |
| Cash dividends | $130,000 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $123,000 | 7,486 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 4,038 |
| Total interest expense | $508,000 | 3,593 |
| Net interest income | $1,106,000 | 4,166 |
| Provision for loan and lease losses | $80,000 | 2,465 |
| Total noninterest income | $444,000 | 2,370 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $175,000 | 2,340 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $269,000 | 2,021 |
| Total noninterest expense | $1,076,000 | 3,554 |
| Salaries and employee benefits | $569,000 | 3,620 |
| Premises and equipment expense | $105,000 | 4,639 |
| Additional noninterest expense | $402,000 | 2,899 |
| Pre-tax net operating income | $394,000 | 4,121 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $135,000 | 3,278 |
| Income before extraordinary items | $259,000 | 4,652 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $259,000 | 4,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $130,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $259,000 | 4,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,814,000 | 3,906 |
| Total interest expense | $2,016,000 | 4,010 |
| Net interest income | $4,798,000 | 3,801 |
| Provision for loan and lease losses | $230,000 | 3,756 |
| Total noninterest income | $1,537,000 | 2,799 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $473,000 | 3,241 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,064,000 | 2,295 |
| Total noninterest expense | $4,206,000 | 3,556 |
| Salaries and employee benefits | $1,981,000 | 3,954 |
| Premises and equipment expense | $428,000 | 4,515 |
| Additional noninterest expense | $1,797,000 | 2,641 |
| Pre-tax net operating income | $1,899,000 | 3,506 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $676,000 | 2,862 |
| Income before extraordinary items | $1,223,000 | 4,092 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,223,000 | 4,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,313 |
| Cash dividends | $513,000 | 3,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,223,000 | 3,910 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,165,000 | 3,923 |
| Total interest expense | $1,492,000 | 4,159 |
| Net interest income | $3,673,000 | 3,767 |
| Provision for loan and lease losses | $140,000 | 4,015 |
| Total noninterest income | $1,155,000 | 2,862 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $310,000 | 3,592 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $845,000 | 2,297 |
| Total noninterest expense | $3,132,000 | 3,572 |
| Salaries and employee benefits | $1,458,000 | 4,015 |
| Premises and equipment expense | $305,000 | 4,655 |
| Additional noninterest expense | $1,369,000 | 2,591 |
| Pre-tax net operating income | $1,556,000 | 3,447 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $560,000 | 2,809 |
| Income before extraordinary items | $996,000 | 3,988 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $996,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,704 |
| Cash dividends | $400,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $996,000 | 3,827 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,500,000 | 3,900 |
| Total interest expense | $1,055,000 | 4,083 |
| Net interest income | $2,445,000 | 3,773 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $780,000 | 2,808 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $207,000 | 3,535 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $573,000 | 2,243 |
| Total noninterest expense | $2,149,000 | 3,469 |
| Salaries and employee benefits | $977,000 | 3,994 |
| Premises and equipment expense | $204,000 | 4,643 |
| Additional noninterest expense | $968,000 | 2,438 |
| Pre-tax net operating income | $1,016,000 | 3,488 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $369,000 | 2,854 |
| Income before extraordinary items | $647,000 | 4,077 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $647,000 | 4,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $265,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $647,000 | 3,895 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 3,846 |
| Total interest expense | $542,000 | 4,097 |
| Net interest income | $1,242,000 | 3,705 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $369,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $106,000 | 3,394 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $263,000 | 2,291 |
| Total noninterest expense | $1,120,000 | 3,341 |
| Salaries and employee benefits | $500,000 | 3,904 |
| Premises and equipment expense | $100,000 | 4,694 |
| Additional noninterest expense | $520,000 | 2,251 |
| Pre-tax net operating income | $461,000 | 3,689 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $159,000 | 3,122 |
| Income before extraordinary items | $302,000 | 4,223 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $302,000 | 4,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $130,000 | 2,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $302,000 | 4,033 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,431,000 | 3,862 |
| Total interest expense | $2,934,000 | 3,593 |
| Net interest income | $4,497,000 | 3,995 |
| Provision for loan and lease losses | $425,000 | 2,696 |
| Total noninterest income | $1,096,000 | 3,275 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $464,000 | 3,164 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $632,000 | 2,882 |
| Total noninterest expense | $3,589,000 | 3,878 |
| Salaries and employee benefits | $1,746,000 | 4,184 |
| Premises and equipment expense | $379,000 | 4,832 |
| Additional noninterest expense | $1,464,000 | 3,007 |
| Pre-tax net operating income | $1,579,000 | 3,973 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $589,000 | 3,154 |
| Income before extraordinary items | $990,000 | 4,639 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $990,000 | 4,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,736 |
| Cash dividends | $234,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $12,278,000 | 41 |
| Net operating income | $990,000 | 4,509 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,224,000 | 3,924 |
| Total interest expense | $4,705,000 | 3,328 |
| Net interest income | $3,519,000 | 4,538 |
| Provision for loan and lease losses | $160,000 | 4,638 |
| Total noninterest income | $749,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $362,000 | 3,677 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $387,000 | 3,604 |
| Total noninterest expense | $3,044,000 | 4,285 |
| Salaries and employee benefits | $1,481,000 | 4,559 |
| Premises and equipment expense | $352,000 | 5,011 |
| Additional noninterest expense | $1,211,000 | 3,470 |
| Pre-tax net operating income | $1,064,000 | 4,741 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $377,000 | 3,848 |
| Income before extraordinary items | $687,000 | 5,278 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $687,000 | 5,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $312,000 | 4,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $687,000 | 5,157 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,628,000 | 4,282 |
| Total interest expense | $4,602,000 | 3,554 |
| Net interest income | $3,026,000 | 5,127 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $564,000 | 4,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,120 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $271,000 | 4,138 |
| Total noninterest expense | $2,605,000 | 4,717 |
| Salaries and employee benefits | $1,319,000 | 4,855 |
| Premises and equipment expense | $320,000 | 5,230 |
| Additional noninterest expense | $966,000 | 4,091 |
| Pre-tax net operating income | $685,000 | 6,284 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $238,000 | 5,071 |
| Income before extraordinary items | $447,000 | 6,600 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $447,000 | 6,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $2,066,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $447,000 | 6,617 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,813,000 | 5,054 |
| Total interest expense | $3,156,000 | 4,412 |
| Net interest income | $2,657,000 | 5,591 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $394,000 | 5,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 5,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $241,000 | 4,521 |
| Total noninterest expense | $2,089,000 | 5,519 |
| Salaries and employee benefits | $1,039,000 | 5,731 |
| Premises and equipment expense | $235,000 | 6,258 |
| Additional noninterest expense | $815,000 | 4,719 |
| Pre-tax net operating income | $926,000 | 5,531 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $325,000 | 4,634 |
| Income before extraordinary items | $601,000 | 5,894 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $601,000 | 5,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $1,783,000 | 1,494 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 970 |
| Net operating income | $601,000 | 5,869 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,414,000 | 5,368 |
| Total interest expense | $2,769,000 | 5,005 |
| Net interest income | $2,645,000 | 5,629 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $298,000 | 6,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 4,797 |
| Total noninterest expense | $1,456,000 | 6,809 |
| Salaries and employee benefits | $662,000 | 7,416 |
| Premises and equipment expense | $131,000 | 8,043 |
| Additional noninterest expense | $663,000 | 5,375 |
| Pre-tax net operating income | $1,457,000 | 4,268 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $520,000 | 3,737 |
| Income before extraordinary items | $937,000 | 4,694 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $937,000 | 4,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $1,700,000 | 1,501 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 982 |
| Net operating income | $937,000 | 4,611 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,104,000 | 5,705 |
| Total interest expense | $2,557,000 | 5,328 |
| Net interest income | $2,547,000 | 5,974 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $155,000 | 8,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 8,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,653 |
| Total noninterest expense | $1,203,000 | 7,667 |
| Salaries and employee benefits | $468,000 | 8,834 |
| Premises and equipment expense | $95,000 | 9,079 |
| Additional noninterest expense | $640,000 | 5,561 |
| Pre-tax net operating income | $1,469,000 | 4,568 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $522,000 | 4,084 |
| Income before extraordinary items | $947,000 | 4,886 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $947,000 | 4,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 911 |
| Net operating income | $947,000 | 4,825 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,573,000 | 6,323 |
| Total interest expense | $2,333,000 | 5,784 |
| Net interest income | $2,240,000 | 6,682 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $113,000 | 9,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 9,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,551 |
| Total noninterest expense | $1,428,000 | 7,314 |
| Salaries and employee benefits | $428,000 | 9,402 |
| Premises and equipment expense | $86,000 | 9,652 |
| Additional noninterest expense | $914,000 | 4,702 |
| Pre-tax net operating income | $895,000 | 6,102 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $315,000 | 5,673 |
| Income before extraordinary items | $580,000 | 6,398 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $580,000 | 6,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $1,035,000 | 2,075 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 686 |
| Net operating income | $580,000 | 6,327 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 7,141 |
| Total interest expense | $1,867,000 | 6,747 |
| Net interest income | $2,007,000 | 7,293 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $66,000 | 11,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 10,227 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,803 |
| Total noninterest expense | $903,000 | 9,346 |
| Salaries and employee benefits | $375,000 | 10,117 |
| Premises and equipment expense | $80,000 | 10,197 |
| Additional noninterest expense | $448,000 | 7,728 |
| Pre-tax net operating income | $1,140,000 | 5,452 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $357,000 | 5,359 |
| Income before extraordinary items | $783,000 | 5,526 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $783,000 | 5,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $698,000 | 2,669 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 694 |
| Net operating income | $783,000 | 5,510 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,281,000 | 7,647 |
| Total interest expense | $1,326,000 | 7,468 |
| Net interest income | $1,955,000 | 7,672 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $19,000 | 12,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $853,000 | 9,986 |
| Salaries and employee benefits | $374,000 | 10,510 |
| Premises and equipment expense | $67,000 | 11,063 |
| Additional noninterest expense | $412,000 | 8,705 |
| Pre-tax net operating income | $1,091,000 | 5,599 |
| Securities gains (losses) | $36,000 | 1,361 |
| Applicable income taxes | $395,000 | 4,805 |
| Income before extraordinary items | $732,000 | 5,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $732,000 | 5,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $695,000 | 2,554 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,058 |
| Net operating income | $708,600 | 5,923 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,238,000 | 7,947 |
| Total interest expense | $1,336,000 | 7,752 |
| Net interest income | $1,902,000 | 7,947 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $47,000 | 12,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,262 |
| Total noninterest expense | $1,457,000 | 7,974 |
| Salaries and employee benefits | $762,000 | 7,558 |
| Premises and equipment expense | $68,000 | 11,579 |
| Additional noninterest expense | $627,000 | 7,105 |
| Pre-tax net operating income | $462,000 | 8,928 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $154,000 | 8,535 |
| Income before extraordinary items | $308,000 | 9,383 |
| Extraordinary gains, net | $27,000 | 2,545 |
| Net income | $335,000 | 9,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $6,519,000 | 165 |
| Net operating income | $308,000 | 9,125 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,342,000 | 8,412 |
| Total interest expense | $1,669,000 | 7,983 |
| Net interest income | $1,673,000 | 8,738 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $12,000 | 13,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $676,000 | 11,643 |
| Salaries and employee benefits | $278,000 | 12,266 |
| Premises and equipment expense | $56,000 | 12,452 |
| Additional noninterest expense | $342,000 | 10,296 |
| Pre-tax net operating income | $974,000 | 5,731 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $379,000 | 5,000 |
| Income before extraordinary items | $595,000 | 6,615 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $595,000 | 6,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $595,000 | 6,255 |
* 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.