Home > Shamrock Bank of Florida > Income and Expense

Shamrock Bank of Florida, Income and Expense

2013-12-31 (YTD Data)		Rank
Total interest income	$3,869,000	4,702
Total interest expense	$634,000	3,972
Net interest income	$3,235,000	4,767
Provision for loan and lease losses	$1,385,000	846
Total noninterest income	$59,000	6,436
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$39,000	6,150
Trading account gains and fees	$0	184
Additional Noninterest Income	$20,000	6,223
Total noninterest expense	$3,301,000	4,399
Salaries and employee benefits	$1,436,000	4,869
Premises and equipment expense	$361,000	4,462
Additional noninterest expense	$1,504,000	3,650
Pre-tax net operating income	$-1,392,000	6,608
Securities gains (losses)	$-71,000	6,502
Applicable income taxes	$0	4,631
Income before extraordinary items	$-1,463,000	6,636
Extraordinary gains, net	$0	29
Net income	$-1,463,000	6,635
Minority interest net income	$0	90
Net income of bank and minority interests.	$-1,463,000	6,635
Net charge-offs	$1,156,000	1,135
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$12,000	832
Net operating income	$-1,392,000	6,619
2013-09-30 (YTD Data)		Rank
Total interest income	$2,923,000	4,734
Total interest expense	$468,000	4,088
Net interest income	$2,455,000	4,779
Provision for loan and lease losses	$1,385,000	684
Total noninterest income	$39,000	6,562
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$28,000	6,246
Trading account gains and fees	$0	180
Additional Noninterest Income	$11,000	6,396
Total noninterest expense	$2,312,000	4,565
Salaries and employee benefits	$1,126,000	4,770
Premises and equipment expense	$270,000	4,492
Additional noninterest expense	$916,000	4,158
Pre-tax net operating income	$-1,203,000	6,726
Securities gains (losses)	$4,000	2,720
Applicable income taxes	$0	4,713
Income before extraordinary items	$-1,199,000	6,735
Extraordinary gains, net	$0	25
Net income	$-1,199,000	6,736
Minority interest net income	$0	84
Net income of bank and minority interests.	$-1,199,000	6,736
Net charge-offs	$1,253,000	853
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$9,000	784
Net operating income	$-1,203,000	6,724
2013-06-30 (YTD Data)		Rank
Total interest income	$1,958,000	4,745
Total interest expense	$313,000	4,141
Net interest income	$1,645,000	4,781
Provision for loan and lease losses	$1,400,000	506
Total noninterest income	$26,000	6,594
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$15,000	6,376
Trading account gains and fees	$0	157
Additional Noninterest Income	$11,000	6,344
Total noninterest expense	$1,482,000	4,684
Salaries and employee benefits	$745,000	4,826
Premises and equipment expense	$176,000	4,543
Additional noninterest expense	$561,000	4,364
Pre-tax net operating income	$-1,211,000	6,810
Securities gains (losses)	$9,000	2,315
Applicable income taxes	$0	4,679
Income before extraordinary items	$-1,202,000	6,833
Extraordinary gains, net	$0	22
Net income	$-1,202,000	6,834
Minority interest net income	$0	82
Net income of bank and minority interests.	$-1,202,000	6,834
Net charge-offs	$1,278,000	655
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$6,000	752
Net operating income	$-1,211,000	6,825
2013-03-31 (YTD Data)		Rank
Total interest income	$989,000	4,751
Total interest expense	$168,000	4,075
Net interest income	$821,000	4,813
Provision for loan and lease losses	$0	4,409
Total noninterest income	$17,000	6,554
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$6,000	6,510
Trading account gains and fees	$0	148
Additional Noninterest Income	$11,000	6,093
Total noninterest expense	$727,000	4,763
Salaries and employee benefits	$383,000	4,789
Premises and equipment expense	$82,000	4,729
Additional noninterest expense	$262,000	4,541
Pre-tax net operating income	$111,000	5,205
Securities gains (losses)	$3,000	1,729
Applicable income taxes	$0	4,602
Income before extraordinary items	$114,000	5,085
Extraordinary gains, net	$0	10
Net income	$114,000	5,087
Minority interest net income	$0	76
Net income of bank and minority interests.	$114,000	5,087
Net charge-offs	$-50,000	6,712
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$3,000	708
Net operating income	$111,000	5,017
2012-12-31 (YTD Data)		Rank
Total interest income	$3,948,000	4,898
Total interest expense	$801,000	4,117
Net interest income	$3,147,000	4,994
Provision for loan and lease losses	$2,840,000	810
Total noninterest income	$7,000	6,792
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$45,000	6,301
Trading account gains and fees	$0	166
Additional Noninterest Income	$-38,000	6,660
Total noninterest expense	$3,726,000	4,232
Salaries and employee benefits	$1,446,000	4,930
Premises and equipment expense	$379,000	4,424
Additional noninterest expense	$1,901,000	3,210
Pre-tax net operating income	$-3,412,000	6,902
Securities gains (losses)	$561,000	848
Applicable income taxes	$0	4,751
Income before extraordinary items	$-2,851,000	6,887
Extraordinary gains, net	$0	29
Net income	$-2,851,000	6,886
Minority interest net income	$0	93
Net income of bank and minority interests.	$-2,851,000	6,886
Net charge-offs	$2,219,000	1,076
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$4,000	955
Net operating income	$-3,412,000	6,896
2012-09-30 (YTD Data)		Rank
Total interest income	$2,978,000	4,975
Total interest expense	$601,000	4,233
Net interest income	$2,377,000	5,065
Provision for loan and lease losses	$2,065,000	829
Total noninterest income	$-19,000	6,979
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$27,000	6,540
Trading account gains and fees	$0	157
Additional Noninterest Income	$-46,000	6,835
Total noninterest expense	$2,463,000	4,547
Salaries and employee benefits	$1,089,000	4,957
Premises and equipment expense	$270,000	4,598
Additional noninterest expense	$1,104,000	3,848
Pre-tax net operating income	$-2,170,000	6,984
Securities gains (losses)	$375,000	933
Applicable income taxes	$0	4,802
Income before extraordinary items	$-1,795,000	6,975
Extraordinary gains, net	$0	20
Net income	$-1,795,000	6,972
Minority interest net income	$0	86
Net income of bank and minority interests.	$-1,795,000	6,974
Net charge-offs	$1,796,000	991
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$4,000	909
Net operating income	$-2,170,000	6,987
2012-06-30 (YTD Data)		Rank
Total interest income	$1,954,000	5,057
Total interest expense	$400,000	4,330
Net interest income	$1,554,000	5,126
Provision for loan and lease losses	$1,810,000	688
Total noninterest income	$-39,000	7,068
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$15,000	6,650
Trading account gains and fees	$0	153
Additional Noninterest Income	$-54,000	6,959
Total noninterest expense	$1,630,000	4,595
Salaries and employee benefits	$715,000	5,030
Premises and equipment expense	$178,000	4,645
Additional noninterest expense	$737,000	3,856
Pre-tax net operating income	$-1,925,000	7,085
Securities gains (losses)	$104,000	1,569
Applicable income taxes	$0	4,770
Income before extraordinary items	$-1,821,000	7,098
Extraordinary gains, net	$0	19
Net income	$-1,821,000	7,097
Minority interest net income	$0	84
Net income of bank and minority interests.	$-1,821,000	7,098
Net charge-offs	$1,356,000	924
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$1,000	910
Net operating income	$-1,925,000	7,090
2012-03-31 (YTD Data)		Rank
Total interest income	$928,000	5,211
Total interest expense	$202,000	4,425
Net interest income	$726,000	5,319
Provision for loan and lease losses	$10,000	4,833
Total noninterest income	$-9,000	7,126
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$8,000	6,658
Trading account gains and fees	$0	148
Additional Noninterest Income	$-17,000	7,010
Total noninterest expense	$706,000	4,978
Salaries and employee benefits	$312,000	5,407
Premises and equipment expense	$87,000	4,720
Additional noninterest expense	$307,000	4,333
Pre-tax net operating income	$1,000	6,415
Securities gains (losses)	$29,000	1,450
Applicable income taxes	$13,000	3,884
Income before extraordinary items	$17,000	6,356
Extraordinary gains, net	$0	19
Net income	$17,000	6,355
Minority interest net income	$0	78
Net income of bank and minority interests.	$17,000	6,356
Net charge-offs	$-36,000	7,011
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$1,000	833
Net operating income	$-1,560	6,429
2011-12-31 (YTD Data)		Rank
Total interest income	$3,277,000	5,588
Total interest expense	$863,000	4,749
Net interest income	$2,414,000	5,727
Provision for loan and lease losses	$1,290,000	2,067
Total noninterest income	$-74,000	7,065
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$26,000	6,669
Trading account gains and fees	$0	146
Additional Noninterest Income	$-100,000	6,890
Total noninterest expense	$2,594,000	5,256
Salaries and employee benefits	$1,277,000	5,379
Premises and equipment expense	$309,000	5,171
Additional noninterest expense	$1,008,000	4,881
Pre-tax net operating income	$-1,544,000	6,710
Securities gains (losses)	$96,000	2,097
Applicable income taxes	$0	4,719
Income before extraordinary items	$-1,448,000	6,748
Extraordinary gains, net	$0	29
Net income	$-1,448,000	6,748
Minority interest net income	$0	96
Net income of bank and minority interests.	$-1,448,000	6,748
Net charge-offs	$1,840,000	1,633
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$48,000	811
Net operating income	$-1,544,000	6,736
2011-09-30 (YTD Data)		Rank
Total interest income	$2,405,000	5,683
Total interest expense	$665,000	4,814
Net interest income	$1,740,000	5,850
Provision for loan and lease losses	$1,260,000	1,696
Total noninterest income	$-87,000	7,193
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$17,000	6,758
Trading account gains and fees	$0	145
Additional Noninterest Income	$-104,000	7,063
Total noninterest expense	$1,945,000	5,260
Salaries and employee benefits	$993,000	5,298
Premises and equipment expense	$224,000	5,284
Additional noninterest expense	$728,000	4,993
Pre-tax net operating income	$-1,552,000	6,929
Securities gains (losses)	$48,000	2,355
Applicable income taxes	$0	4,740
Income before extraordinary items	$-1,504,000	6,983
Extraordinary gains, net	$0	21
Net income	$-1,504,000	6,984
Minority interest net income	$0	87
Net income of bank and minority interests.	$-1,504,000	6,984
Net charge-offs	$1,612,000	1,425
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$46,000	723
Net operating income	$-1,552,000	6,966
2011-06-30 (YTD Data)		Rank
Total interest income	$1,505,000	5,874
Total interest expense	$454,000	4,864
Net interest income	$1,051,000	6,073
Provision for loan and lease losses	$1,210,000	1,320
Total noninterest income	$-90,000	7,290
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$10,000	6,818
Trading account gains and fees	$0	153
Additional Noninterest Income	$-100,000	7,204
Total noninterest expense	$1,339,000	5,237
Salaries and employee benefits	$700,000	5,181
Premises and equipment expense	$141,000	5,454
Additional noninterest expense	$498,000	5,017
Pre-tax net operating income	$-1,588,000	7,112
Securities gains (losses)	$3,000	2,636
Applicable income taxes	$0	4,697
Income before extraordinary items	$-1,585,000	7,154
Extraordinary gains, net	$0	15
Net income	$-1,585,000	7,155
Minority interest net income	$0	89
Net income of bank and minority interests.	$-1,585,000	7,155
Net charge-offs	$1,577,000	1,082
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$45,000	569
Net operating income	$-1,588,000	7,139
2011-03-31 (YTD Data)		Rank
Total interest income	$740,000	5,939
Total interest expense	$229,000	4,949
Net interest income	$511,000	6,139
Provision for loan and lease losses	$30,000	4,582
Total noninterest income	$24,000	6,682
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$5,000	6,822
Trading account gains and fees	$0	158
Additional Noninterest Income	$19,000	5,847
Total noninterest expense	$637,000	5,391
Salaries and employee benefits	$312,000	5,528
Premises and equipment expense	$70,000	5,511
Additional noninterest expense	$255,000	4,962
Pre-tax net operating income	$-132,000	6,737
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$-132,000	6,786
Extraordinary gains, net	$0	9
Net income	$-132,000	6,785
Minority interest net income	$0	86
Net income of bank and minority interests.	$-132,000	6,786
Net charge-offs	$306,000	1,731
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$30,000	459
Net operating income	$-132,000	6,778
2010-12-31 (YTD Data)		Rank
Total interest income	$3,096,000	5,965
Total interest expense	$908,000	5,442
Net interest income	$2,188,000	6,061
Provision for loan and lease losses	$3,634,000	1,420
Total noninterest income	$-89,000	7,369
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$31,000	6,502
Trading account gains and fees	$0	175
Additional Noninterest Income	$-120,000	7,213
Total noninterest expense	$2,381,000	5,617
Salaries and employee benefits	$1,208,000	5,663
Premises and equipment expense	$290,000	5,486
Additional noninterest expense	$883,000	5,397
Pre-tax net operating income	$-3,916,000	7,023
Securities gains (losses)	$0	3,793
Applicable income taxes	$0	4,655
Income before extraordinary items	$-3,916,000	7,093
Extraordinary gains, net	$0	29
Net income	$-3,916,000	7,093
Minority interest net income	$0	111
Net income of bank and minority interests.	$-3,916,000	7,094
Net charge-offs	$2,731,000	1,550
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$159,000	678
Net operating income	$-3,916,000	7,072
2010-09-30 (YTD Data)		Rank
Total interest income	$2,322,000	6,074
Total interest expense	$668,000	5,642
Net interest income	$1,654,000	6,132
Provision for loan and lease losses	$2,429,000	1,457
Total noninterest income	$40,000	7,182
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$24,000	6,584
Trading account gains and fees	$0	165
Additional Noninterest Income	$16,000	6,762
Total noninterest expense	$1,771,000	5,681
Salaries and employee benefits	$910,000	5,677
Premises and equipment expense	$219,000	5,530
Additional noninterest expense	$642,000	5,479
Pre-tax net operating income	$-2,506,000	7,139
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$-2,506,000	7,211
Extraordinary gains, net	$0	23
Net income	$-2,506,000	7,210
Minority interest net income	$0	110
Net income of bank and minority interests.	$-2,506,000	7,211
Net charge-offs	$1,540,000	1,761
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$121,000	605
Net operating income	$-2,506,000	7,189
2010-06-30 (YTD Data)		Rank
Total interest income	$1,524,000	6,147
Total interest expense	$430,000	5,814
Net interest income	$1,094,000	6,189
Provision for loan and lease losses	$1,255,000	1,692
Total noninterest income	$32,000	7,155
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$17,000	6,587
Trading account gains and fees	$0	152
Additional Noninterest Income	$15,000	6,644
Total noninterest expense	$1,186,000	5,697
Salaries and employee benefits	$606,000	5,718
Premises and equipment expense	$148,000	5,547
Additional noninterest expense	$432,000	5,479
Pre-tax net operating income	$-1,315,000	7,123
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$-1,315,000	7,195
Extraordinary gains, net	$0	19
Net income	$-1,315,000	7,194
Minority interest net income	$0	105
Net income of bank and minority interests.	$-1,315,000	7,195
Net charge-offs	$325,000	2,954
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$83,000	523
Net operating income	$-1,315,000	7,181
2010-03-31 (YTD Data)		Rank
Total interest income	$761,000	6,224
Total interest expense	$208,000	5,992
Net interest income	$553,000	6,193
Provision for loan and lease losses	$1,097,000	1,100
Total noninterest income	$20,000	7,107
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$8,000	6,669
Trading account gains and fees	$0	175
Additional Noninterest Income	$12,000	6,461
Total noninterest expense	$583,000	5,808
Salaries and employee benefits	$305,000	5,775
Premises and equipment expense	$87,000	5,262
Additional noninterest expense	$191,000	5,804
Pre-tax net operating income	$-1,107,000	7,446
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-1,107,000	7,493
Extraordinary gains, net	$0	16
Net income	$-1,107,000	7,494
Minority interest net income	$0	91
Net income of bank and minority interests.	$-1,107,000	7,494
Net charge-offs	$0	5,610
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$42,000	457
Net operating income	$-1,107,000	7,487
2009-12-31 (YTD Data)		Rank
Total interest income	$3,028,000	6,326
Total interest expense	$995,000	6,035
Net interest income	$2,033,000	6,316
Provision for loan and lease losses	$854,000	3,752
Total noninterest income	$79,000	7,161
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$54,000	6,410
Trading account gains and fees	$0	211
Additional Noninterest Income	$25,000	6,847
Total noninterest expense	$2,377,000	5,812
Salaries and employee benefits	$1,211,000	5,823
Premises and equipment expense	$342,000	5,371
Additional noninterest expense	$824,000	5,756
Pre-tax net operating income	$-1,119,000	6,299
Securities gains (losses)	$0	3,754
Applicable income taxes	$0	4,388
Income before extraordinary items	$-1,119,000	6,415
Extraordinary gains, net	$0	34
Net income	$-1,119,000	6,416
Minority interest net income	$0	115
Net income of bank and minority interests.	$-1,119,000	6,416
Net charge-offs	$934,000	2,948
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$150,000	784
Net operating income	$-1,119,000	6,414
2009-09-30 (YTD Data)		Rank
Total interest income	$2,249,000	6,414
Total interest expense	$761,000	6,131
Net interest income	$1,488,000	6,393
Provision for loan and lease losses	$588,000	3,565
Total noninterest income	$57,000	7,321
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$37,000	6,524
Trading account gains and fees	$0	212
Additional Noninterest Income	$20,000	6,986
Total noninterest expense	$1,776,000	5,844
Salaries and employee benefits	$918,000	5,816
Premises and equipment expense	$252,000	5,451
Additional noninterest expense	$606,000	5,785
Pre-tax net operating income	$-819,000	6,546
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$-819,000	6,637
Extraordinary gains, net	$0	27
Net income	$-819,000	6,638
Minority interest net income	$0	118
Net income of bank and minority interests.	$-819,000	6,638
Net charge-offs	$795,000	2,483
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$108,000	721
Net operating income	$-819,000	6,636
2009-06-30 (YTD Data)		Rank
Total interest income	$1,462,000	6,512
Total interest expense	$523,000	6,185
Net interest income	$939,000	6,535
Provision for loan and lease losses	$198,000	4,349
Total noninterest income	$27,000	7,566
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$18,000	6,781
Trading account gains and fees	$0	193
Additional Noninterest Income	$9,000	7,286
Total noninterest expense	$1,164,000	5,932
Salaries and employee benefits	$611,000	5,877
Premises and equipment expense	$165,000	5,542
Additional noninterest expense	$388,000	5,899
Pre-tax net operating income	$-396,000	6,540
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-396,000	6,649
Extraordinary gains, net	$0	21
Net income	$-396,000	6,650
Minority interest net income	$0	112
Net income of bank and minority interests.	$-396,000	6,650
Net charge-offs	$5,000	6,236
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$66,000	727
Net operating income	$-396,000	6,633
2009-03-31 (YTD Data)		Rank
Total interest income	$705,000	6,643
Total interest expense	$273,000	6,199
Net interest income	$432,000	6,717
Provision for loan and lease losses	$83,000	4,188
Total noninterest income	$9,000	7,788
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$5,000	7,012
Trading account gains and fees	$0	171
Additional Noninterest Income	$4,000	7,406
Total noninterest expense	$552,000	6,011
Salaries and employee benefits	$317,000	5,842
Premises and equipment expense	$81,000	5,625
Additional noninterest expense	$154,000	6,240
Pre-tax net operating income	$-194,000	6,878
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-194,000	7,020
Extraordinary gains, net	$0	15
Net income	$-194,000	7,021
Minority interest net income	$0	102
Net income of bank and minority interests.	$-194,000	7,021
Net charge-offs	$5,000	5,094
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$25,000	697
Net operating income	$-194,000	6,945
2008-12-31 (YTD Data)		Rank
Total interest income	$2,669,000	6,845
Total interest expense	$995,000	6,781
Net interest income	$1,674,000	6,798
Provision for loan and lease losses	$673,000	3,309
Total noninterest income	$69,000	7,583
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$29,000	6,924
Trading account gains and fees	$0	154
Additional Noninterest Income	$40,000	6,969
Total noninterest expense	$2,255,000	5,902
Salaries and employee benefits	$1,346,000	5,647
Premises and equipment expense	$360,000	5,365
Additional noninterest expense	$549,000	6,421
Pre-tax net operating income	$-1,185,000	7,100
Securities gains (losses)	$0	3,220
Applicable income taxes	$0	4,979
Income before extraordinary items	$-1,185,000	7,078
Extraordinary gains, net	$0	39
Net income	$-1,185,000	7,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,039
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$68,000	1,068
Net operating income	$-1,185,000	7,195
2008-09-30 (YTD Data)		Rank
Total interest income	$1,951,000	6,969
Total interest expense	$725,000	6,947
Net interest income	$1,226,000	6,895
Provision for loan and lease losses	$214,000	4,103
Total noninterest income	$58,000	7,658
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$20,000	7,007
Trading account gains and fees	$0	148
Additional Noninterest Income	$38,000	6,880
Total noninterest expense	$1,697,000	5,890
Salaries and employee benefits	$1,017,000	5,632
Premises and equipment expense	$272,000	5,364
Additional noninterest expense	$408,000	6,420
Pre-tax net operating income	$-627,000	7,335
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$-627,000	7,287
Extraordinary gains, net	$0	31
Net income	$-627,000	7,285
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	$51,000	947
Net operating income	$-627,000	7,411
2008-06-30 (YTD Data)		Rank
Total interest income	$1,233,000	7,161
Total interest expense	$451,000	7,172
Net interest income	$782,000	6,999
Provision for loan and lease losses	$122,000	3,949
Total noninterest income	$46,000	7,574
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$12,000	7,080
Trading account gains and fees	$0	149
Additional Noninterest Income	$34,000	6,622
Total noninterest expense	$1,147,000	5,903
Salaries and employee benefits	$685,000	5,651
Premises and equipment expense	$182,000	5,392
Additional noninterest expense	$280,000	6,358
Pre-tax net operating income	$-441,000	7,559
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$-441,000	7,648
Extraordinary gains, net	$0	21
Net income	$-441,000	7,648
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	$34,000	859
Net operating income	$-441,000	7,631
2008-03-31 (YTD Data)		Rank
Total interest income	$589,000	7,305
Total interest expense	$221,000	7,335
Net interest income	$368,000	7,160
Provision for loan and lease losses	$53,000	3,737
Total noninterest income	$20,000	7,703
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$3,000	7,255
Trading account gains and fees	$0	158
Additional Noninterest Income	$17,000	6,648
Total noninterest expense	$573,000	5,938
Salaries and employee benefits	$349,000	5,640
Premises and equipment expense	$91,000	5,433
Additional noninterest expense	$133,000	6,474
Pre-tax net operating income	$-238,000	7,822
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-238,000	7,902
Extraordinary gains, net	$0	15
Net income	$-238,000	7,901
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$18,000	725
Net operating income	$-238,000	7,869
2007-12-31 (YTD Data)		Rank
Total interest income	$913,000	8,232
Total interest expense	$199,000	8,300
Net interest income	$714,000	8,077
Provision for loan and lease losses	$157,000	4,266
Total noninterest income	$12,000	8,290
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$2,000	7,438
Trading account gains and fees	$0	178
Additional Noninterest Income	$10,000	8,060
Total noninterest expense	$2,155,000	6,017
Salaries and employee benefits	$1,134,000	6,142
Premises and equipment expense	$384,000	5,147
Additional noninterest expense	$637,000	5,982
Pre-tax net operating income	$-1,586,000	8,216
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$-1,586,000	8,255
Extraordinary gains, net	$0	39
Net income	$-1,586,000	8,252
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$21,089,000	79
Net operating income	$-1,586,000	8,247
2007-09-30 (YTD Data)		Rank
Total interest income	$388,000	8,438
Total interest expense	$24,000	8,482
Net interest income	$364,000	8,334
Provision for loan and lease losses	$20,000	5,830
Total noninterest income	$2,000	8,421
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,000	7,480
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,000	8,340
Total noninterest expense	$1,618,000	5,990
Salaries and employee benefits	$804,000	6,283
Premises and equipment expense	$280,000	5,211
Additional noninterest expense	$534,000	5,643
Pre-tax net operating income	$-1,272,000	8,344
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$-1,272,000	8,378
Extraordinary gains, net	$0	33
Net income	$-1,272,000	8,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$21,055,000	55
Net operating income	$-1,272,000	8,368

* 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.