Home > TriStone Community Bank > Income and Expense
TriStone Community Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,797,000 | 4,056 |
| Total interest expense | $1,612,000 | 3,494 |
| Net interest income | $2,185,000 | 4,326 |
| Provision for loan and lease losses | $155,000 | 4,696 |
| Total noninterest income | $473,000 | 3,529 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $107,000 | 4,524 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $366,000 | 2,678 |
| Total noninterest expense | $2,404,000 | 3,849 |
| Salaries and employee benefits | $1,021,000 | 4,371 |
| Premises and equipment expense | $310,000 | 3,846 |
| Additional noninterest expense | $1,073,000 | 3,116 |
| Pre-tax net operating income | $99,000 | 5,226 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $99,000 | 5,213 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 5,211 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $99,000 | 5,211 |
| Net charge-offs | $7,000 | 6,140 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,151 |
| Net operating income | $99,000 | 5,122 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 4,106 |
| Total interest expense | $855,000 | 3,445 |
| Net interest income | $1,036,000 | 4,479 |
| Provision for loan and lease losses | $80,000 | 4,216 |
| Total noninterest income | $242,000 | 3,453 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $51,000 | 4,565 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $191,000 | 2,584 |
| Total noninterest expense | $1,128,000 | 3,951 |
| Salaries and employee benefits | $520,000 | 4,346 |
| Premises and equipment expense | $155,000 | 3,877 |
| Additional noninterest expense | $453,000 | 3,260 |
| Pre-tax net operating income | $70,000 | 5,381 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $70,000 | 5,394 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $70,000 | 5,399 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $70,000 | 5,398 |
| Net charge-offs | $4,000 | 5,207 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,034 |
| Net operating income | $70,000 | 5,218 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,634,000 | 4,253 |
| Total interest expense | $3,882,000 | 3,590 |
| Net interest income | $3,752,000 | 4,770 |
| Provision for loan and lease losses | $687,000 | 3,278 |
| Total noninterest income | $679,000 | 4,203 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $187,000 | 4,921 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $492,000 | 3,197 |
| Total noninterest expense | $3,993,000 | 4,236 |
| Salaries and employee benefits | $1,854,000 | 4,698 |
| Premises and equipment expense | $620,000 | 3,844 |
| Additional noninterest expense | $1,519,000 | 3,583 |
| Pre-tax net operating income | $-249,000 | 6,596 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-249,000 | 6,529 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-249,000 | 6,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 3,247 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,257 |
| Net operating income | $-249,000 | 6,676 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,644,000 | 4,361 |
| Total interest expense | $2,890,000 | 3,719 |
| Net interest income | $2,754,000 | 4,868 |
| Provision for loan and lease losses | $537,000 | 2,640 |
| Total noninterest income | $481,000 | 4,416 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $135,000 | 5,027 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $346,000 | 3,434 |
| Total noninterest expense | $2,974,000 | 4,244 |
| Salaries and employee benefits | $1,394,000 | 4,715 |
| Premises and equipment expense | $465,000 | 3,848 |
| Additional noninterest expense | $1,115,000 | 3,574 |
| Pre-tax net operating income | $-276,000 | 7,095 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-276,000 | 6,992 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-276,000 | 6,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,466 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,133 |
| Net operating income | $-276,000 | 7,148 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,613,000 | 4,517 |
| Total interest expense | $1,868,000 | 3,902 |
| Net interest income | $1,745,000 | 5,022 |
| Provision for loan and lease losses | $415,000 | 2,122 |
| Total noninterest income | $270,000 | 4,833 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $84,000 | 5,166 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $186,000 | 3,904 |
| Total noninterest expense | $1,980,000 | 4,263 |
| Salaries and employee benefits | $972,000 | 4,619 |
| Premises and equipment expense | $306,000 | 3,916 |
| Additional noninterest expense | $702,000 | 3,716 |
| Pre-tax net operating income | $-380,000 | 7,510 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-380,000 | 7,606 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-380,000 | 7,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,600 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,078 |
| Net operating income | $-380,000 | 7,587 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,779,000 | 4,673 |
| Total interest expense | $956,000 | 4,011 |
| Net interest income | $823,000 | 5,222 |
| Provision for loan and lease losses | $278,000 | 1,481 |
| Total noninterest income | $119,000 | 5,106 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $38,000 | 5,321 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $81,000 | 4,169 |
| Total noninterest expense | $1,012,000 | 4,201 |
| Salaries and employee benefits | $498,000 | 4,564 |
| Premises and equipment expense | $163,000 | 3,740 |
| Additional noninterest expense | $351,000 | 3,662 |
| Pre-tax net operating income | $-348,000 | 7,954 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-348,000 | 8,036 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-348,000 | 8,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 1,525 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 822 |
| Net operating income | $-348,000 | 8,006 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,417,000 | 4,992 |
| Total interest expense | $3,063,000 | 4,737 |
| Net interest income | $3,354,000 | 5,182 |
| Provision for loan and lease losses | $135,000 | 4,463 |
| Total noninterest income | $426,000 | 5,369 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $130,000 | 5,645 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $296,000 | 4,269 |
| Total noninterest expense | $3,719,000 | 4,342 |
| Salaries and employee benefits | $1,916,000 | 4,535 |
| Premises and equipment expense | $520,000 | 4,249 |
| Additional noninterest expense | $1,283,000 | 3,876 |
| Pre-tax net operating income | $-74,000 | 7,527 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-74,000 | 7,603 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-74,000 | 7,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,055 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 865 |
| Net operating income | $-74,000 | 7,582 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,640,000 | 5,140 |
| Total interest expense | $2,165,000 | 4,915 |
| Net interest income | $2,475,000 | 5,254 |
| Provision for loan and lease losses | $166,000 | 3,336 |
| Total noninterest income | $297,000 | 5,559 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $87,000 | 5,844 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $210,000 | 4,393 |
| Total noninterest expense | $2,686,000 | 4,431 |
| Salaries and employee benefits | $1,419,000 | 4,548 |
| Premises and equipment expense | $385,000 | 4,274 |
| Additional noninterest expense | $882,000 | 4,078 |
| Pre-tax net operating income | $-80,000 | 7,783 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-80,000 | 7,827 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-80,000 | 7,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,809 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 766 |
| Net operating income | $-80,000 | 7,812 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,997,000 | 5,268 |
| Total interest expense | $1,392,000 | 5,009 |
| Net interest income | $1,605,000 | 5,369 |
| Provision for loan and lease losses | $135,000 | 2,802 |
| Total noninterest income | $190,000 | 5,677 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $52,000 | 6,036 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $138,000 | 4,484 |
| Total noninterest expense | $1,756,000 | 4,513 |
| Salaries and employee benefits | $950,000 | 4,579 |
| Premises and equipment expense | $241,000 | 4,484 |
| Additional noninterest expense | $565,000 | 4,196 |
| Pre-tax net operating income | $-96,000 | 7,969 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-96,000 | 7,994 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-96,000 | 7,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 690 |
| Net operating income | $-96,000 | 7,985 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,434,000 | 5,404 |
| Total interest expense | $663,000 | 5,121 |
| Net interest income | $771,000 | 5,501 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $79,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $23,000 | 6,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $56,000 | 4,901 |
| Total noninterest expense | $865,000 | 4,562 |
| Salaries and employee benefits | $465,000 | 4,677 |
| Premises and equipment expense | $104,000 | 4,929 |
| Additional noninterest expense | $296,000 | 4,021 |
| Pre-tax net operating income | $-90,000 | 8,133 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-90,000 | 8,162 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-90,000 | 8,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 581 |
| Net operating income | $-90,000 | 8,152 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,630,000 | 5,764 |
| Total interest expense | $1,884,000 | 5,563 |
| Net interest income | $2,746,000 | 5,774 |
| Provision for loan and lease losses | $295,000 | 2,837 |
| Total noninterest income | $355,000 | 5,852 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $63,000 | 6,681 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $292,000 | 4,350 |
| Total noninterest expense | $3,001,000 | 4,880 |
| Salaries and employee benefits | $1,555,000 | 5,071 |
| Premises and equipment expense | $277,000 | 5,943 |
| Additional noninterest expense | $1,169,000 | 4,019 |
| Pre-tax net operating income | $-195,000 | 8,119 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-195,000 | 8,144 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-195,000 | 8,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $252,000 | 712 |
| Net operating income | $-195,000 | 8,136 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,304,000 | 5,907 |
| Total interest expense | $1,304,000 | 5,706 |
| Net interest income | $2,000,000 | 5,901 |
| Provision for loan and lease losses | $230,000 | 2,570 |
| Total noninterest income | $261,000 | 5,912 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $37,000 | 6,990 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 4,294 |
| Total noninterest expense | $2,201,000 | 4,938 |
| Salaries and employee benefits | $1,297,000 | 4,717 |
| Premises and equipment expense | $220,000 | 5,824 |
| Additional noninterest expense | $684,000 | 4,797 |
| Pre-tax net operating income | $-170,000 | 8,280 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-170,000 | 8,301 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-170,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 610 |
| Net operating income | $-170,000 | 8,294 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,024,000 | 6,083 |
| Total interest expense | $777,000 | 5,882 |
| Net interest income | $1,247,000 | 6,121 |
| Provision for loan and lease losses | $178,000 | 2,331 |
| Total noninterest income | $169,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $25,000 | 7,011 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $144,000 | 4,379 |
| Total noninterest expense | $1,458,000 | 4,978 |
| Salaries and employee benefits | $855,000 | 4,785 |
| Premises and equipment expense | $144,000 | 5,879 |
| Additional noninterest expense | $459,000 | 4,762 |
| Pre-tax net operating income | $-220,000 | 8,421 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-220,000 | 8,440 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-220,000 | 8,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 511 |
| Net operating income | $-220,000 | 8,437 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $902,000 | 6,347 |
| Total interest expense | $333,000 | 6,159 |
| Net interest income | $569,000 | 6,362 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $76,000 | 6,181 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $10,000 | 7,160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,533 |
| Total noninterest expense | $708,000 | 5,098 |
| Salaries and employee benefits | $424,000 | 4,831 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $214,000 | 4,968 |
| Pre-tax net operating income | $-138,000 | 8,488 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-138,000 | 8,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-138,000 | 8,503 |
| 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 | $60,000 | 377 |
| Net operating income | $-138,000 | 8,491 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,185,000 | 7,282 |
| Total interest expense | $804,000 | 6,773 |
| Net interest income | $1,381,000 | 7,449 |
| Provision for loan and lease losses | $339,000 | 2,586 |
| Total noninterest income | $172,000 | 7,295 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $29,000 | 7,363 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $143,000 | 5,813 |
| Total noninterest expense | $2,364,000 | 5,553 |
| Salaries and employee benefits | $1,236,000 | 5,698 |
| Premises and equipment expense | $238,000 | 6,330 |
| Additional noninterest expense | $890,000 | 4,816 |
| Pre-tax net operating income | $-1,150,000 | 8,668 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,150,000 | 8,695 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,150,000 | 8,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,150,000 | 8,677 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,385,000 | 7,621 |
| Total interest expense | $491,000 | 7,110 |
| Net interest income | $894,000 | 7,733 |
| Provision for loan and lease losses | $278,000 | 2,334 |
| Total noninterest income | $134,000 | 7,264 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 7,448 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $114,000 | 5,708 |
| Total noninterest expense | $1,721,000 | 5,619 |
| Salaries and employee benefits | $903,000 | 5,755 |
| Premises and equipment expense | $51,000 | 8,253 |
| Additional noninterest expense | $767,000 | 4,318 |
| Pre-tax net operating income | $-971,000 | 8,720 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-971,000 | 8,745 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-971,000 | 8,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,995 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-971,000 | 8,725 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $729,000 | 7,960 |
| Total interest expense | $254,000 | 7,491 |
| Net interest income | $475,000 | 8,076 |
| Provision for loan and lease losses | $205,000 | 2,129 |
| Total noninterest income | $87,000 | 7,281 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $12,000 | 7,482 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $75,000 | 5,733 |
| Total noninterest expense | $1,137,000 | 5,638 |
| Salaries and employee benefits | $591,000 | 5,798 |
| Premises and equipment expense | $33,000 | 8,288 |
| Additional noninterest expense | $513,000 | 4,285 |
| Pre-tax net operating income | $-780,000 | 8,744 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-780,000 | 8,767 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-780,000 | 8,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-780,000 | 8,745 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $290,000 | 8,309 |
| Total interest expense | $97,000 | 7,881 |
| Net interest income | $193,000 | 8,394 |
| Provision for loan and lease losses | $81,000 | 2,384 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $552,000 | 5,766 |
| Salaries and employee benefits | $308,000 | 5,709 |
| Premises and equipment expense | $17,000 | 8,338 |
| Additional noninterest expense | $227,000 | 4,679 |
| Pre-tax net operating income | $-419,000 | 8,832 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-419,000 | 8,843 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-419,000 | 8,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-419,000 | 8,828 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $160,000 | 8,899 |
| Total interest expense | $17,000 | 8,888 |
| Net interest income | $143,000 | 8,889 |
| Provision for loan and lease losses | $109,000 | 4,874 |
| Total noninterest income | $0 | 8,923 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $1,000,000 | 7,819 |
| Salaries and employee benefits | $542,000 | 7,860 |
| Premises and equipment expense | $10,000 | 8,917 |
| Additional noninterest expense | $448,000 | 6,851 |
| Pre-tax net operating income | $-966,000 | 8,796 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-966,000 | 8,832 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-966,000 | 8,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $16,401,000 | 46 |
| Net operating income | $-966,000 | 8,809 |
* 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.