Home > Southern Colorado National Bank > Income and Expense

Southern Colorado National Bank, Income and Expense

2009-09-30 (YTD Data)		Rank
Total interest income	$1,724,000	6,921
Total interest expense	$1,015,000	5,527
Net interest income	$709,000	7,565
Provision for loan and lease losses	$1,622,000	2,127
Total noninterest income	$0	7,834
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$36,000	6,545
Trading account gains and fees	$0	212
Additional Noninterest Income	$-36,000	7,735
Total noninterest expense	$1,710,000	5,932
Salaries and employee benefits	$757,000	6,248
Premises and equipment expense	$195,000	6,019
Additional noninterest expense	$758,000	5,203
Pre-tax net operating income	$-2,623,000	7,199
Securities gains (losses)	$264,000	1,092
Applicable income taxes	$0	4,592
Income before extraordinary items	$-2,359,000	7,264
Extraordinary gains, net	$0	27
Net income	$-2,359,000	7,263
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,359,000	7,264
Net charge-offs	$1,344,000	1,887
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,623,000	7,301
2009-06-30 (YTD Data)		Rank
Total interest income	$1,257,000	6,821
Total interest expense	$721,000	5,502
Net interest income	$536,000	7,469
Provision for loan and lease losses	$1,125,000	1,934
Total noninterest income	$-16,000	7,992
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$25,000	6,553
Trading account gains and fees	$0	193
Additional Noninterest Income	$-41,000	7,892
Total noninterest expense	$1,183,000	5,895
Salaries and employee benefits	$531,000	6,207
Premises and equipment expense	$111,000	6,386
Additional noninterest expense	$541,000	5,020
Pre-tax net operating income	$-1,788,000	7,333
Securities gains (losses)	$256,000	866
Applicable income taxes	$0	4,657
Income before extraordinary items	$-1,532,000	7,336
Extraordinary gains, net	$0	21
Net income	$-1,532,000	7,335
Minority interest net income	$0	112
Net income of bank and minority interests.	$-1,532,000	7,334
Net charge-offs	$1,032,000	1,608
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-1,788,000	7,420
2009-03-31 (YTD Data)		Rank
Total interest income	$692,000	6,680
Total interest expense	$382,000	5,486
Net interest income	$310,000	7,319
Provision for loan and lease losses	$1,125,000	1,101
Total noninterest income	$-9,000	8,101
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$14,000	6,456
Trading account gains and fees	$0	171
Additional Noninterest Income	$-23,000	8,043
Total noninterest expense	$483,000	6,350
Salaries and employee benefits	$268,000	6,237
Premises and equipment expense	$65,000	6,116
Additional noninterest expense	$150,000	6,314
Pre-tax net operating income	$-1,307,000	7,715
Securities gains (losses)	$97,000	1,015
Applicable income taxes	$0	4,835
Income before extraordinary items	$-1,210,000	7,760
Extraordinary gains, net	$0	15
Net income	$-1,210,000	7,763
Minority interest net income	$0	102
Net income of bank and minority interests.	$-1,210,000	7,762
Net charge-offs	$813,000	1,066
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,307,000	7,782
2008-12-31 (YTD Data)		Rank
Total interest income	$3,146,000	6,525
Total interest expense	$1,404,000	6,109
Net interest income	$1,742,000	6,718
Provision for loan and lease losses	$1,505,000	2,151
Total noninterest income	$110,000	7,203
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$92,000	6,005
Trading account gains and fees	$0	154
Additional Noninterest Income	$18,000	7,488
Total noninterest expense	$1,669,000	6,655
Salaries and employee benefits	$960,000	6,500
Premises and equipment expense	$256,000	6,190
Additional noninterest expense	$453,000	6,833
Pre-tax net operating income	$-1,322,000	7,149
Securities gains (losses)	$148,000	874
Applicable income taxes	$0	4,979
Income before extraordinary items	$-1,174,000	7,071
Extraordinary gains, net	$0	39
Net income	$-1,174,000	7,073
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$732,000	2,312
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,322,000	7,250
2008-09-30 (YTD Data)		Rank
Total interest income	$2,390,000	6,570
Total interest expense	$994,000	6,347
Net interest income	$1,396,000	6,629
Provision for loan and lease losses	$1,195,000	1,662
Total noninterest income	$102,000	7,100
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$64,000	6,143
Trading account gains and fees	$0	148
Additional Noninterest Income	$38,000	6,880
Total noninterest expense	$1,222,000	6,712
Salaries and employee benefits	$712,000	6,559
Premises and equipment expense	$203,000	6,060
Additional noninterest expense	$307,000	6,997
Pre-tax net operating income	$-919,000	7,484
Securities gains (losses)	$27,000	1,827
Applicable income taxes	$0	5,372
Income before extraordinary items	$-892,000	7,454
Extraordinary gains, net	$0	31
Net income	$-892,000	7,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$356,000	2,353
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-919,000	7,581
2008-06-30 (YTD Data)		Rank
Total interest income	$1,617,000	6,613
Total interest expense	$673,000	6,443
Net interest income	$944,000	6,599
Provision for loan and lease losses	$425,000	2,083
Total noninterest income	$81,000	6,936
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$54,000	5,837
Trading account gains and fees	$0	149
Additional Noninterest Income	$27,000	6,905
Total noninterest expense	$797,000	6,796
Salaries and employee benefits	$470,000	6,631
Premises and equipment expense	$133,000	6,148
Additional noninterest expense	$194,000	7,122
Pre-tax net operating income	$-197,000	7,328
Securities gains (losses)	$15,000	2,228
Applicable income taxes	$0	5,627
Income before extraordinary items	$-182,000	7,379
Extraordinary gains, net	$0	21
Net income	$-182,000	7,378
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$353,000	1,632
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-197,000	7,380
2008-03-31 (YTD Data)		Rank
Total interest income	$829,000	6,639
Total interest expense	$359,000	6,460
Net interest income	$470,000	6,642
Provision for loan and lease losses	$45,000	3,899
Total noninterest income	$48,000	6,727
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$28,000	5,782
Trading account gains and fees	$0	158
Additional Noninterest Income	$20,000	6,458
Total noninterest expense	$407,000	6,775
Salaries and employee benefits	$236,000	6,647
Premises and equipment expense	$67,000	6,170
Additional noninterest expense	$104,000	7,005
Pre-tax net operating income	$66,000	6,400
Securities gains (losses)	$13,000	1,848
Applicable income taxes	$0	5,622
Income before extraordinary items	$79,000	6,138
Extraordinary gains, net	$0	15
Net income	$79,000	6,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	1,981
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$66,000	6,236
2007-12-31 (YTD Data)		Rank
Total interest income	$3,283,000	6,657
Total interest expense	$1,541,000	6,378
Net interest income	$1,742,000	6,824
Provision for loan and lease losses	$125,000	4,554
Total noninterest income	$275,000	6,201
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$80,000	6,301
Trading account gains and fees	$0	178
Additional Noninterest Income	$195,000	5,112
Total noninterest expense	$1,486,000	6,938
Salaries and employee benefits	$845,000	6,853
Premises and equipment expense	$274,000	5,993
Additional noninterest expense	$367,000	7,213
Pre-tax net operating income	$406,000	6,257
Securities gains (losses)	$-1,000	7,069
Applicable income taxes	$0	6,070
Income before extraordinary items	$405,000	6,032
Extraordinary gains, net	$0	39
Net income	$405,000	6,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,621
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$406,000	6,019
2007-09-30 (YTD Data)		Rank
Total interest income	$2,429,000	6,722
Total interest expense	$1,154,000	6,410
Net interest income	$1,275,000	6,913
Provision for loan and lease losses	$95,000	4,180
Total noninterest income	$216,000	6,159
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$57,000	6,395
Trading account gains and fees	$0	184
Additional Noninterest Income	$159,000	4,967
Total noninterest expense	$1,094,000	6,963
Salaries and employee benefits	$626,000	6,866
Premises and equipment expense	$212,000	5,931
Additional noninterest expense	$256,000	7,333
Pre-tax net operating income	$302,000	6,556
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$302,000	6,309
Extraordinary gains, net	$0	33
Net income	$302,000	6,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	3,021
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$302,000	6,303
2007-06-30 (YTD Data)		Rank
Total interest income	$1,611,000	6,768
Total interest expense	$765,000	6,442
Net interest income	$846,000	6,972
Provision for loan and lease losses	$65,000	3,914
Total noninterest income	$135,000	6,308
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$37,000	6,450
Trading account gains and fees	$0	168
Additional Noninterest Income	$98,000	5,155
Total noninterest expense	$723,000	7,030
Salaries and employee benefits	$420,000	6,899
Premises and equipment expense	$138,000	6,019
Additional noninterest expense	$165,000	7,405
Pre-tax net operating income	$193,000	6,677
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$193,000	6,423
Extraordinary gains, net	$0	29
Net income	$193,000	6,424
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	2,258
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$193,000	6,420
2007-03-31 (YTD Data)		Rank
Total interest income	$787,000	6,848
Total interest expense	$373,000	6,506
Net interest income	$414,000	7,024
Provision for loan and lease losses	$25,000	4,116
Total noninterest income	$54,000	6,707
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$24,000	6,111
Trading account gains and fees	$0	195
Additional Noninterest Income	$30,000	5,964
Total noninterest expense	$357,000	7,090
Salaries and employee benefits	$206,000	6,966
Premises and equipment expense	$62,000	6,319
Additional noninterest expense	$89,000	7,293
Pre-tax net operating income	$86,000	6,847
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$86,000	6,606
Extraordinary gains, net	$0	22
Net income	$86,000	6,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	2,124
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$86,000	6,595
2006-12-31 (YTD Data)		Rank
Total interest income	$2,922,000	6,838
Total interest expense	$1,286,000	6,445
Net interest income	$1,636,000	7,000
Provision for loan and lease losses	$60,000	5,315
Total noninterest income	$154,000	7,276
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$86,000	6,341
Trading account gains and fees	$0	130
Additional Noninterest Income	$68,000	6,891
Total noninterest expense	$1,397,000	7,064
Salaries and employee benefits	$796,000	6,969
Premises and equipment expense	$230,000	6,413
Additional noninterest expense	$371,000	7,202
Pre-tax net operating income	$333,000	7,008
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$333,000	6,776
Extraordinary gains, net	$0	51
Net income	$333,000	6,779
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	4,393
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$333,000	6,780
2006-09-30 (YTD Data)		Rank
Total interest income	$2,127,000	6,940
Total interest expense	$912,000	6,533
Net interest income	$1,215,000	7,105
Provision for loan and lease losses	$45,000	5,149
Total noninterest income	$94,000	7,598
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$65,000	6,410
Trading account gains and fees	$0	126
Additional Noninterest Income	$29,000	7,555
Total noninterest expense	$1,031,000	7,101
Salaries and employee benefits	$589,000	6,990
Premises and equipment expense	$165,000	6,536
Additional noninterest expense	$277,000	7,230
Pre-tax net operating income	$233,000	7,287
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$233,000	7,046
Extraordinary gains, net	$0	45
Net income	$233,000	7,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	3,707
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$233,000	7,048
2006-06-30 (YTD Data)		Rank
Total interest income	$1,349,000	7,047
Total interest expense	$539,000	6,698
Net interest income	$810,000	7,169
Provision for loan and lease losses	$30,000	4,987
Total noninterest income	$66,000	7,584
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$43,000	6,440
Trading account gains and fees	$0	126
Additional Noninterest Income	$23,000	7,410
Total noninterest expense	$684,000	7,149
Salaries and employee benefits	$387,000	7,061
Premises and equipment expense	$104,000	6,678
Additional noninterest expense	$193,000	7,170
Pre-tax net operating income	$162,000	7,312
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$162,000	7,067
Extraordinary gains, net	$0	39
Net income	$162,000	7,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	3,558
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$162,000	7,077
2006-03-31 (YTD Data)		Rank
Total interest income	$625,000	7,183
Total interest expense	$238,000	6,877
Net interest income	$387,000	7,263
Provision for loan and lease losses	$15,000	4,758
Total noninterest income	$35,000	7,491
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$21,000	6,441
Trading account gains and fees	$0	115
Additional Noninterest Income	$14,000	7,173
Total noninterest expense	$333,000	7,218
Salaries and employee benefits	$188,000	7,143
Premises and equipment expense	$60,000	6,361
Additional noninterest expense	$85,000	7,403
Pre-tax net operating income	$74,000	7,388
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$74,000	7,134
Extraordinary gains, net	$0	21
Net income	$74,000	7,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,110
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$74,000	7,135
2005-12-31 (YTD Data)		Rank
Total interest income	$2,204,000	7,264
Total interest expense	$732,000	6,952
Net interest income	$1,472,000	7,337
Provision for loan and lease losses	$122,000	4,440
Total noninterest income	$104,000	7,894
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$64,000	6,854
Trading account gains and fees	$0	138
Additional Noninterest Income	$40,000	7,623
Total noninterest expense	$1,384,000	7,080
Salaries and employee benefits	$791,000	6,968
Premises and equipment expense	$232,000	6,395
Additional noninterest expense	$361,000	7,305
Pre-tax net operating income	$70,000	8,073
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$70,000	8,069
Extraordinary gains, net	$0	46
Net income	$70,000	8,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	4,682
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$70,000	8,041
2005-09-30 (YTD Data)		Rank
Total interest income	$1,595,000	7,339
Total interest expense	$519,000	7,007
Net interest income	$1,076,000	7,421
Provision for loan and lease losses	$97,000	4,226
Total noninterest income	$82,000	7,881
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$48,000	6,889
Trading account gains and fees	$0	126
Additional Noninterest Income	$34,000	7,520
Total noninterest expense	$1,060,000	7,036
Salaries and employee benefits	$608,000	6,889
Premises and equipment expense	$180,000	6,291
Additional noninterest expense	$272,000	7,302
Pre-tax net operating income	$1,000	8,309
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$1,000	8,337
Extraordinary gains, net	$0	35
Net income	$1,000	8,338
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,299
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,000	8,307
2005-06-30 (YTD Data)		Rank
Total interest income	$1,033,000	7,384
Total interest expense	$316,000	7,084
Net interest income	$717,000	7,437
Provision for loan and lease losses	$71,000	3,938
Total noninterest income	$45,000	8,078
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$30,000	6,945
Trading account gains and fees	$0	116
Additional Noninterest Income	$15,000	7,896
Total noninterest expense	$726,000	6,982
Salaries and employee benefits	$425,000	6,784
Premises and equipment expense	$118,000	6,320
Additional noninterest expense	$183,000	7,265
Pre-tax net operating income	$-35,000	8,418
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-35,000	8,449
Extraordinary gains, net	$0	30
Net income	$-35,000	8,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,677
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-35,000	8,416
2005-03-31 (YTD Data)		Rank
Total interest income	$490,000	7,528
Total interest expense	$147,000	7,210
Net interest income	$343,000	7,574
Provision for loan and lease losses	$38,000	3,670
Total noninterest income	$23,000	8,065
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$15,000	6,958
Trading account gains and fees	$0	115
Additional Noninterest Income	$8,000	7,922
Total noninterest expense	$371,000	6,971
Salaries and employee benefits	$215,000	6,807
Premises and equipment expense	$59,000	6,380
Additional noninterest expense	$97,000	7,205
Pre-tax net operating income	$-43,000	8,560
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-43,000	8,581
Extraordinary gains, net	$0	24
Net income	$-43,000	8,581
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,877
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-43,000	8,557
2004-12-31 (YTD Data)		Rank
Total interest income	$1,712,000	7,678
Total interest expense	$436,000	7,549
Net interest income	$1,276,000	7,642
Provision for loan and lease losses	$167,000	4,066
Total noninterest income	$76,000	8,344
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$46,000	7,356
Trading account gains and fees	$0	138
Additional Noninterest Income	$30,000	7,956
Total noninterest expense	$1,331,000	7,207
Salaries and employee benefits	$743,000	7,139
Premises and equipment expense	$223,000	6,488
Additional noninterest expense	$365,000	7,321
Pre-tax net operating income	$-146,000	8,509
Securities gains (losses)	$9,000	2,866
Applicable income taxes	$0	7,185
Income before extraordinary items	$-137,000	8,545
Extraordinary gains, net	$0	34
Net income	$-137,000	8,546
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	3,932
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-146,000	8,520
2004-09-30 (YTD Data)		Rank
Total interest income	$1,261,000	7,739
Total interest expense	$307,000	7,674
Net interest income	$954,000	7,676
Provision for loan and lease losses	$82,000	4,684
Total noninterest income	$55,000	8,421
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$32,000	7,451
Trading account gains and fees	$0	134
Additional Noninterest Income	$23,000	7,956
Total noninterest expense	$986,000	7,203
Salaries and employee benefits	$563,000	7,072
Premises and equipment expense	$166,000	6,493
Additional noninterest expense	$257,000	7,438
Pre-tax net operating income	$-59,000	8,559
Securities gains (losses)	$9,000	2,772
Applicable income taxes	$0	7,220
Income before extraordinary items	$-50,000	8,580
Extraordinary gains, net	$0	26
Net income	$-50,000	8,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	3,523
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-59,000	8,558
2004-06-30 (YTD Data)		Rank
Total interest income	$811,000	7,844
Total interest expense	$187,000	7,870
Net interest income	$624,000	7,739
Provision for loan and lease losses	$42,000	4,959
Total noninterest income	$36,000	8,481
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$19,000	7,545
Trading account gains and fees	$0	130
Additional Noninterest Income	$17,000	7,905
Total noninterest expense	$638,000	7,324
Salaries and employee benefits	$360,000	7,226
Premises and equipment expense	$113,000	6,488
Additional noninterest expense	$165,000	7,549
Pre-tax net operating income	$-20,000	8,583
Securities gains (losses)	$9,000	2,475
Applicable income taxes	$0	7,214
Income before extraordinary items	$-11,000	8,610
Extraordinary gains, net	$0	21
Net income	$-11,000	8,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,456
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-20,000	8,583
2004-03-31 (YTD Data)		Rank
Total interest income	$368,000	8,049
Total interest expense	$84,000	8,109
Net interest income	$284,000	7,947
Provision for loan and lease losses	$12,000	5,458
Total noninterest income	$11,000	8,767
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$8,000	7,614
Trading account gains and fees	$0	121
Additional Noninterest Income	$3,000	8,561
Total noninterest expense	$310,000	7,433
Salaries and employee benefits	$177,000	7,312
Premises and equipment expense	$49,000	6,832
Additional noninterest expense	$84,000	7,525
Pre-tax net operating income	$-27,000	8,675
Securities gains (losses)	$9,000	2,096
Applicable income taxes	$0	7,103
Income before extraordinary items	$-18,000	8,680
Extraordinary gains, net	$0	16
Net income	$-18,000	8,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,502
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-27,000	8,672
2003-12-31 (YTD Data)		Rank
Total interest income	$1,343,000	8,239
Total interest expense	$398,000	8,112
Net interest income	$945,000	8,191
Provision for loan and lease losses	$26,000	6,885
Total noninterest income	$90,000	8,412
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$35,000	7,652
Trading account gains and fees	$0	160
Additional Noninterest Income	$55,000	7,433
Total noninterest expense	$1,134,000	7,605
Salaries and employee benefits	$688,000	7,346
Premises and equipment expense	$90,000	8,193
Additional noninterest expense	$356,000	7,406
Pre-tax net operating income	$-125,000	8,652
Securities gains (losses)	$27,000	3,018
Applicable income taxes	$0	7,459
Income before extraordinary items	$-98,000	8,719
Extraordinary gains, net	$0	54
Net income	$-98,000	8,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,475
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-125,000	8,664
2003-09-30 (YTD Data)		Rank
Total interest income	$981,000	8,367
Total interest expense	$315,000	8,172
Net interest income	$666,000	8,348
Provision for loan and lease losses	$10,000	7,100
Total noninterest income	$75,000	8,365
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$25,000	7,738
Trading account gains and fees	$0	153
Additional Noninterest Income	$50,000	7,214
Total noninterest expense	$868,000	7,547
Salaries and employee benefits	$535,000	7,208
Premises and equipment expense	$81,000	7,979
Additional noninterest expense	$252,000	7,541
Pre-tax net operating income	$-137,000	8,785
Securities gains (losses)	$27,000	2,773
Applicable income taxes	$0	7,524
Income before extraordinary items	$-110,000	8,841
Extraordinary gains, net	$0	40
Net income	$-110,000	8,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,966
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-137,000	8,790
2003-06-30 (YTD Data)		Rank
Total interest income	$640,000	8,459
Total interest expense	$217,000	8,221
Net interest income	$423,000	8,447
Provision for loan and lease losses	$5,000	7,119
Total noninterest income	$75,000	7,859
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$39,000	6,980
Trading account gains and fees	$0	150
Additional Noninterest Income	$36,000	7,110
Total noninterest expense	$590,000	7,511
Salaries and employee benefits	$341,000	7,367
Premises and equipment expense	$44,000	8,257
Additional noninterest expense	$205,000	7,078
Pre-tax net operating income	$-97,000	8,816
Securities gains (losses)	$27,000	2,433
Applicable income taxes	$0	7,529
Income before extraordinary items	$-70,000	8,890
Extraordinary gains, net	$0	30
Net income	$-70,000	8,891
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	$0	589
Net operating income	$-97,000	8,827
2003-03-31 (YTD Data)		Rank
Total interest income	$300,000	8,598
Total interest expense	$106,000	8,351
Net interest income	$194,000	8,599
Provision for loan and lease losses	$0	6,934
Total noninterest income	$26,000	8,331
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$9,000	7,710
Trading account gains and fees	$0	134
Additional Noninterest Income	$17,000	7,158
Total noninterest expense	$289,000	7,601
Salaries and employee benefits	$178,000	7,269
Premises and equipment expense	$31,000	7,807
Additional noninterest expense	$80,000	7,665
Pre-tax net operating income	$-69,000	8,928
Securities gains (losses)	$15,000	2,029
Applicable income taxes	$0	7,403
Income before extraordinary items	$-54,000	8,964
Extraordinary gains, net	$0	21
Net income	$-54,000	8,961
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	$0	419
Net operating income	$-69,000	8,907
2002-12-31 (YTD Data)		Rank
Total interest income	$582,000	9,122
Total interest expense	$265,000	8,950
Net interest income	$317,000	9,174
Provision for loan and lease losses	$131,000	5,184
Total noninterest income	$31,000	9,101
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$11,000	8,074
Trading account gains and fees	$0	153
Additional Noninterest Income	$20,000	8,540
Total noninterest expense	$808,000	8,331
Salaries and employee benefits	$459,000	8,292
Premises and equipment expense	$101,000	8,155
Additional noninterest expense	$248,000	8,184
Pre-tax net operating income	$-591,000	9,017
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-591,000	9,069
Extraordinary gains, net	$0	70
Net income	$-591,000	9,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,632
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$3,000,000	229
Net operating income	$-591,000	9,029

* 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.