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Symphony Bank, Income and Expense

2008-12-31 (YTD Data)Rank
Total interest income$2,572,0006,919
Total interest expense$1,363,0006,180
Net interest income$1,209,0007,357
Provision for loan and lease losses$932,0002,820
Total noninterest income$54,0007,711
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$15,0007,112
Trading account gains and fees$0154
Additional Noninterest Income$39,0006,986
Total noninterest expense$3,226,0004,883
Salaries and employee benefits$1,586,0005,157
Premises and equipment expense$445,0004,789
Additional noninterest expense$1,195,0004,300
Pre-tax net operating income$-2,895,0007,571
Securities gains (losses)$5,0002,760
Applicable income taxes$04,979
Income before extraordinary items$-2,890,0007,586
Extraordinary gains, net$039
Net income$-2,890,0007,585
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0005,700
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-2,895,0007,662
2008-09-30 (YTD Data)Rank
Total interest income$1,940,0006,978
Total interest expense$1,001,0006,329
Net interest income$939,0007,359
Provision for loan and lease losses$62,0005,672
Total noninterest income$39,0007,857
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$12,0007,142
Trading account gains and fees$0148
Additional Noninterest Income$27,0007,207
Total noninterest expense$2,333,0004,990
Salaries and employee benefits$1,320,0004,869
Premises and equipment expense$337,0004,768
Additional noninterest expense$676,0005,062
Pre-tax net operating income$-1,417,0007,711
Securities gains (losses)$4,0002,700
Applicable income taxes$05,372
Income before extraordinary items$-1,413,0007,677
Extraordinary gains, net$031
Net income$-1,413,0007,676
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0004,764
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-1,417,0007,776
2008-06-30 (YTD Data)Rank
Total interest income$1,324,0007,005
Total interest expense$668,0006,461
Net interest income$656,0007,324
Provision for loan and lease losses$34,0005,522
Total noninterest income$30,0007,869
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$7,0007,210
Trading account gains and fees$0149
Additional Noninterest Income$23,0007,064
Total noninterest expense$1,535,0005,052
Salaries and employee benefits$921,0004,774
Premises and equipment expense$223,0004,831
Additional noninterest expense$391,0005,477
Pre-tax net operating income$-883,0007,853
Securities gains (losses)$4,0002,798
Applicable income taxes$05,627
Income before extraordinary items$-879,0007,943
Extraordinary gains, net$021
Net income$-879,0007,942
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0007,615
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-883,0007,929
2008-03-31 (YTD Data)Rank
Total interest income$699,0006,976
Total interest expense$368,0006,416
Net interest income$331,0007,347
Provision for loan and lease losses$34,0004,273
Total noninterest income$11,0008,018
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$4,0007,199
Trading account gains and fees$0158
Additional Noninterest Income$7,0007,488
Total noninterest expense$784,0004,990
Salaries and employee benefits$472,0004,750
Premises and equipment expense$115,0004,754
Additional noninterest expense$197,0005,417
Pre-tax net operating income$-476,0008,069
Securities gains (losses)$4,0002,294
Applicable income taxes$05,622
Income before extraordinary items$-472,0008,129
Extraordinary gains, net$015
Net income$-472,0008,128
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0007,531
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-476,0008,116
2007-12-31 (YTD Data)Rank
Total interest income$3,078,0006,791
Total interest expense$1,586,0006,312
Net interest income$1,492,0007,117
Provision for loan and lease losses$485,0002,367
Total noninterest income$105,0007,503
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$11,0007,290
Trading account gains and fees$0178
Additional Noninterest Income$94,0006,303
Total noninterest expense$3,320,0004,693
Salaries and employee benefits$1,893,0004,578
Premises and equipment expense$428,0004,822
Additional noninterest expense$999,0004,663
Pre-tax net operating income$-2,208,0008,302
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-2,208,0008,341
Extraordinary gains, net$039
Net income$-2,208,0008,338
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$68,0004,263
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$-2,208,0008,327
2007-09-30 (YTD Data)Rank
Total interest income$2,330,0006,811
Total interest expense$1,159,0006,398
Net interest income$1,171,0007,089
Provision for loan and lease losses$337,0002,143
Total noninterest income$96,0007,373
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$8,0007,322
Trading account gains and fees$0184
Additional Noninterest Income$88,0006,009
Total noninterest expense$2,529,0004,624
Salaries and employee benefits$1,494,0004,388
Premises and equipment expense$315,0004,865
Additional noninterest expense$720,0004,714
Pre-tax net operating income$-1,599,0008,396
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-1,599,0008,426
Extraordinary gains, net$033
Net income$-1,599,0008,422
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0004,188
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$-1,599,0008,414
2007-06-30 (YTD Data)Rank
Total interest income$1,548,0006,854
Total interest expense$758,0006,470
Net interest income$790,0007,112
Provision for loan and lease losses$251,0001,790
Total noninterest income$89,0006,997
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$6,0007,346
Trading account gains and fees$0168
Additional Noninterest Income$83,0005,442
Total noninterest expense$1,607,0004,797
Salaries and employee benefits$938,0004,621
Premises and equipment expense$209,0004,881
Additional noninterest expense$460,0004,846
Pre-tax net operating income$-979,0008,455
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$-979,0008,479
Extraordinary gains, net$029
Net income$-979,0008,476
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$80,0002,332
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-979,0008,471
2007-03-31 (YTD Data)Rank
Total interest income$718,0007,039
Total interest expense$344,0006,676
Net interest income$374,0007,266
Provision for loan and lease losses$134,0001,638
Total noninterest income$5,0008,391
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$3,0007,373
Trading account gains and fees$0195
Additional Noninterest Income$2,0008,219
Total noninterest expense$776,0004,893
Salaries and employee benefits$486,0004,536
Premises and equipment expense$103,0004,951
Additional noninterest expense$187,0005,487
Pre-tax net operating income$-531,0008,523
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-531,0008,540
Extraordinary gains, net$022
Net income$-531,0008,538
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$-531,0008,531
2006-12-31 (YTD Data)Rank
Total interest income$1,914,0007,611
Total interest expense$776,0007,378
Net interest income$1,138,0007,662
Provision for loan and lease losses$217,0003,389
Total noninterest income$16,0008,443
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$10,0007,420
Trading account gains and fees$0130
Additional Noninterest Income$6,0008,369
Total noninterest expense$3,227,0004,654
Salaries and employee benefits$1,705,0004,793
Premises and equipment expense$366,0005,194
Additional noninterest expense$1,156,0004,056
Pre-tax net operating income$-2,290,0008,601
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-2,290,0008,613
Extraordinary gains, net$051
Net income$-2,290,0008,613
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$-2,290,0008,607
2006-09-30 (YTD Data)Rank
Total interest income$1,297,0007,807
Total interest expense$489,0007,620
Net interest income$808,0007,808
Provision for loan and lease losses$201,0002,853
Total noninterest income$8,0008,564
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$4,0007,568
Trading account gains and fees$0126
Additional Noninterest Income$4,0008,464
Total noninterest expense$1,955,0005,335
Salaries and employee benefits$1,110,0005,215
Premises and equipment expense$206,0005,985
Additional noninterest expense$639,0005,013
Pre-tax net operating income$-1,340,0008,643
Securities gains (losses)$01,388
Applicable income taxes$06,687
Income before extraordinary items$-1,340,0008,657
Extraordinary gains, net$045
Net income$-1,340,0008,657
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$-1,340,0008,651
2006-06-30 (YTD Data)Rank
Total interest income$732,0008,037
Total interest expense$256,0007,906
Net interest income$476,0008,026
Provision for loan and lease losses$151,0002,560
Total noninterest income$5,0008,619
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$2,0007,616
Trading account gains and fees$0126
Additional Noninterest Income$3,0008,487
Total noninterest expense$1,207,0005,595
Salaries and employee benefits$684,0005,500
Premises and equipment expense$145,0005,863
Additional noninterest expense$378,0005,403
Pre-tax net operating income$-877,0008,665
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$-877,0008,682
Extraordinary gains, net$039
Net income$-877,0008,682
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$-877,0008,673
2006-03-31 (YTD Data)Rank
Total interest income$306,0008,237
Total interest expense$93,0008,186
Net interest income$213,0008,178
Provision for loan and lease losses$91,0002,117
Total noninterest income$3,0008,612
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$3,0007,527
Trading account gains and fees$0115
Additional Noninterest Income$08,611
Total noninterest expense$600,0005,631
Salaries and employee benefits$354,0005,407
Premises and equipment expense$68,0006,040
Additional noninterest expense$178,0005,545
Pre-tax net operating income$-475,0008,688
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$-475,0008,701
Extraordinary gains, net$021
Net income$-475,0008,700
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$-475,0008,691
2005-12-31 (YTD Data)Rank
Total interest income$334,0008,706
Total interest expense$27,0008,731
Net interest income$307,0008,674
Provision for loan and lease losses$177,0003,838
Total noninterest income$-3,0008,818
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$07,759
Trading account gains and fees$0138
Additional Noninterest Income$-3,0008,790
Total noninterest expense$2,110,0005,927
Salaries and employee benefits$484,0007,950
Premises and equipment expense$41,0008,574
Additional noninterest expense$1,585,0003,095
Pre-tax net operating income$-1,983,0008,760
Securities gains (losses)$-4,0007,217
Applicable income taxes$06,964
Income before extraordinary items$-1,987,0008,770
Extraordinary gains, net$046
Net income$-1,987,0008,769
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$13,960,000127
Net operating income$-1,983,0008,756
2005-09-30 (YTD Data)Rank
Total interest income$174,0008,778
Total interest expense$4,0008,824
Net interest income$170,0008,758
Provision for loan and lease losses$120,0003,874
Total noninterest income$08,802
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$07,794
Trading account gains and fees$0126
Additional Noninterest Income$08,723
Total noninterest expense$1,725,0005,606
Salaries and employee benefits$203,0008,554
Premises and equipment expense$14,0008,745
Additional noninterest expense$1,508,0002,440
Pre-tax net operating income$-1,675,0008,795
Securities gains (losses)$-4,0007,604
Applicable income taxes$06,976
Income before extraordinary items$-1,679,0008,811
Extraordinary gains, net$035
Net income$-1,679,0008,811
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,144
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$13,956,00089
Net operating income$-1,675,0008,793
2005-06-30 (YTD Data)Rank
Total interest income$3,0008,866
Total interest expense$08,854
Net interest income$3,0008,863
Provision for loan and lease losses$06,626
Total noninterest income$08,806
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$07,790
Trading account gains and fees$0116
Additional Noninterest Income$08,721
Total noninterest expense$1,100,0005,746
Salaries and employee benefits$08,845
Premises and equipment expense$08,833
Additional noninterest expense$1,100,0002,229
Pre-tax net operating income$-1,097,0008,790
Securities gains (losses)$02,146
Applicable income taxes$06,961
Income before extraordinary items$-1,097,0008,811
Extraordinary gains, net$030
Net income$-1,097,0008,811
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,660
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$13,960,00059
Net operating income$-1,097,0008,793

* 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.