Home > Mountain State Bank > Income and Expense
Mountain State Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,365,000 | 6,936 |
| Total interest expense | $608,000 | 6,655 |
| Net interest income | $757,000 | 7,063 |
| Provision for loan and lease losses | $165,000 | 3,451 |
| Total noninterest income | $54,000 | 7,399 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $117,000 | 4,532 |
| Trading account gains and fees | $-53,000 | 8,368 |
| Additional Noninterest Income | $-10,000 | 8,324 |
| Total noninterest expense | $831,000 | 6,708 |
| Salaries and employee benefits | $377,000 | 7,079 |
| Premises and equipment expense | $76,000 | 7,231 |
| Additional noninterest expense | $378,000 | 5,571 |
| Pre-tax net operating income | $-185,000 | 7,307 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-45,000 | 7,738 |
| Income before extraordinary items | $-140,000 | 7,315 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-140,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,443 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-140,000 | 7,294 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,914,000 | 3,305 |
| Total interest expense | $1,630,000 | 2,672 |
| Net interest income | $1,284,000 | 3,901 |
| Provision for loan and lease losses | $658,000 | 839 |
| Total noninterest income | $161,000 | 4,454 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $172,000 | 2,346 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-11,000 | 8,406 |
| Total noninterest expense | $1,452,000 | 3,159 |
| Salaries and employee benefits | $683,000 | 3,615 |
| Premises and equipment expense | $166,000 | 3,697 |
| Additional noninterest expense | $603,000 | 2,298 |
| Pre-tax net operating income | $-665,000 | 8,177 |
| Securities gains (losses) | $154,000 | 531 |
| Applicable income taxes | $-239,000 | 8,286 |
| Income before extraordinary items | $-272,000 | 7,947 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-272,000 | 7,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 1,164 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-370,560 | 8,032 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,069,000 | 2,529 |
| Total interest expense | $7,483,000 | 2,464 |
| Net interest income | $8,586,000 | 2,561 |
| Provision for loan and lease losses | $4,965,000 | 405 |
| Total noninterest income | $1,190,000 | 3,154 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $675,000 | 2,439 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $515,000 | 3,257 |
| Total noninterest expense | $16,187,000 | 1,157 |
| Salaries and employee benefits | $3,217,000 | 3,048 |
| Premises and equipment expense | $672,000 | 3,538 |
| Additional noninterest expense | $12,298,000 | 497 |
| Pre-tax net operating income | $-11,376,000 | 8,485 |
| Securities gains (losses) | $17,000 | 1,155 |
| Applicable income taxes | $-685,000 | 8,362 |
| Income before extraordinary items | $-10,674,000 | 8,490 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-10,674,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,679,000 | 393 |
| Cash dividends | $888,000 | 2,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-10,689,980 | 8,485 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,468,000 | 2,463 |
| Total interest expense | $5,675,000 | 2,439 |
| Net interest income | $6,793,000 | 2,457 |
| Provision for loan and lease losses | $4,225,000 | 293 |
| Total noninterest income | $958,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $479,000 | 2,530 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $479,000 | 2,917 |
| Total noninterest expense | $4,758,000 | 2,783 |
| Salaries and employee benefits | $2,602,000 | 2,811 |
| Premises and equipment expense | $527,000 | 3,409 |
| Additional noninterest expense | $1,629,000 | 2,430 |
| Pre-tax net operating income | $-1,232,000 | 8,341 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-591,000 | 8,459 |
| Income before extraordinary items | $-641,000 | 8,202 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-641,000 | 8,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $768,000 | 783 |
| Cash dividends | $666,000 | 2,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-641,000 | 8,191 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,426,000 | 2,463 |
| Total interest expense | $3,729,000 | 2,467 |
| Net interest income | $4,697,000 | 2,407 |
| Provision for loan and lease losses | $262,000 | 1,730 |
| Total noninterest income | $654,000 | 2,962 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $287,000 | 2,744 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $367,000 | 2,696 |
| Total noninterest expense | $3,315,000 | 2,723 |
| Salaries and employee benefits | $1,858,000 | 2,684 |
| Premises and equipment expense | $356,000 | 3,386 |
| Additional noninterest expense | $1,101,000 | 2,406 |
| Pre-tax net operating income | $1,774,000 | 2,361 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $608,000 | 1,829 |
| Income before extraordinary items | $1,166,000 | 2,696 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,166,000 | 2,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,475 |
| Cash dividends | $444,000 | 2,622 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,166,000 | 2,682 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 2,499 |
| Total interest expense | $1,734,000 | 2,632 |
| Net interest income | $2,387,000 | 2,377 |
| Provision for loan and lease losses | $168,000 | 1,322 |
| Total noninterest income | $298,000 | 3,122 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $124,000 | 2,997 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $174,000 | 2,761 |
| Total noninterest expense | $1,672,000 | 2,721 |
| Salaries and employee benefits | $917,000 | 2,743 |
| Premises and equipment expense | $186,000 | 3,305 |
| Additional noninterest expense | $569,000 | 2,299 |
| Pre-tax net operating income | $845,000 | 2,471 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $285,000 | 1,914 |
| Income before extraordinary items | $560,000 | 2,784 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $560,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,733 |
| Cash dividends | $222,000 | 2,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $560,000 | 2,774 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,387,000 | 4,075 |
| Total interest expense | $3,677,000 | 3,793 |
| Net interest income | $4,710,000 | 4,199 |
| Provision for loan and lease losses | $315,000 | 2,676 |
| Total noninterest income | $648,000 | 4,535 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $148,000 | 5,553 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $500,000 | 3,338 |
| Total noninterest expense | $3,126,000 | 4,749 |
| Salaries and employee benefits | $1,906,000 | 4,432 |
| Premises and equipment expense | $318,000 | 5,596 |
| Additional noninterest expense | $902,000 | 4,844 |
| Pre-tax net operating income | $1,917,000 | 3,736 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $637,000 | 2,799 |
| Income before extraordinary items | $1,280,000 | 4,147 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,280,000 | 4,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,181 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,280,000 | 4,117 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,069,000 | 4,653 |
| Total interest expense | $2,183,000 | 4,309 |
| Net interest income | $2,886,000 | 4,809 |
| Provision for loan and lease losses | $223,000 | 2,702 |
| Total noninterest income | $333,000 | 5,417 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $80,000 | 6,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $253,000 | 4,074 |
| Total noninterest expense | $1,815,000 | 5,563 |
| Salaries and employee benefits | $1,076,000 | 5,325 |
| Premises and equipment expense | $178,000 | 6,364 |
| Additional noninterest expense | $561,000 | 5,425 |
| Pre-tax net operating income | $1,181,000 | 4,334 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $406,000 | 3,156 |
| Income before extraordinary items | $775,000 | 4,767 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $775,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,361 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $775,000 | 4,763 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,016,000 | 6,093 |
| Total interest expense | $852,000 | 5,642 |
| Net interest income | $1,164,000 | 6,297 |
| Provision for loan and lease losses | $55,000 | 4,340 |
| Total noninterest income | $141,000 | 6,351 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $22,000 | 7,105 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $119,000 | 4,766 |
| Total noninterest expense | $769,000 | 6,871 |
| Salaries and employee benefits | $462,000 | 6,626 |
| Premises and equipment expense | $77,000 | 7,257 |
| Additional noninterest expense | $230,000 | 6,790 |
| Pre-tax net operating income | $481,000 | 5,494 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $169,000 | 3,840 |
| Income before extraordinary items | $312,000 | 5,924 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $312,000 | 5,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $312,000 | 5,930 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,594,000 | 3,346 |
| Total interest expense | $1,089,000 | 3,044 |
| Net interest income | $1,505,000 | 3,530 |
| Provision for loan and lease losses | $74,000 | 2,576 |
| Total noninterest income | $152,000 | 4,644 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $27,000 | 6,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,308 |
| Total noninterest expense | $954,000 | 4,143 |
| Salaries and employee benefits | $583,000 | 3,847 |
| Premises and equipment expense | $108,000 | 4,716 |
| Additional noninterest expense | $263,000 | 4,305 |
| Pre-tax net operating income | $629,000 | 3,209 |
| Securities gains (losses) | $-1,000 | 7,892 |
| Applicable income taxes | $222,000 | 2,459 |
| Income before extraordinary items | $406,000 | 3,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $406,000 | 3,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 1,969 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $406,650 | 3,656 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,429,000 | 3,970 |
| Total interest expense | $2,638,000 | 3,680 |
| Net interest income | $4,791,000 | 4,078 |
| Provision for loan and lease losses | $424,000 | 2,171 |
| Total noninterest income | $612,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $152,000 | 5,600 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $460,000 | 3,521 |
| Total noninterest expense | $3,527,000 | 4,260 |
| Salaries and employee benefits | $2,187,000 | 3,860 |
| Premises and equipment expense | $458,000 | 4,439 |
| Additional noninterest expense | $882,000 | 4,843 |
| Pre-tax net operating income | $1,452,000 | 4,471 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $237,000 | 4,433 |
| Income before extraordinary items | $1,211,000 | 4,327 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,211,000 | 4,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,214,360 | 4,284 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,979,000 | 4,253 |
| Total interest expense | $1,641,000 | 4,044 |
| Net interest income | $3,338,000 | 4,300 |
| Provision for loan and lease losses | $281,000 | 2,301 |
| Total noninterest income | $472,000 | 4,702 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 5,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $362,000 | 3,462 |
| Total noninterest expense | $2,567,000 | 4,331 |
| Salaries and employee benefits | $1,577,000 | 3,937 |
| Premises and equipment expense | $336,000 | 4,483 |
| Additional noninterest expense | $654,000 | 4,838 |
| Pre-tax net operating income | $962,000 | 4,878 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $58,000 | 5,689 |
| Income before extraordinary items | $901,000 | 4,453 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $901,000 | 4,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $903,820 | 4,410 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 4,444 |
| Total interest expense | $910,000 | 4,417 |
| Net interest income | $2,165,000 | 4,365 |
| Provision for loan and lease losses | $162,000 | 2,506 |
| Total noninterest income | $302,000 | 4,769 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $65,000 | 5,865 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $237,000 | 3,461 |
| Total noninterest expense | $1,678,000 | 4,379 |
| Salaries and employee benefits | $1,026,000 | 3,995 |
| Premises and equipment expense | $218,000 | 4,529 |
| Additional noninterest expense | $434,000 | 4,840 |
| Pre-tax net operating income | $627,000 | 4,894 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $-89,000 | 8,742 |
| Income before extraordinary items | $714,000 | 3,945 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $714,000 | 3,947 |
| 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 | $716,000 | 3,883 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,430,000 | 4,627 |
| Total interest expense | $383,000 | 4,803 |
| Net interest income | $1,047,000 | 4,472 |
| Provision for loan and lease losses | $109,000 | 1,911 |
| Total noninterest income | $150,000 | 4,711 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $130,000 | 3,252 |
| Total noninterest expense | $800,000 | 4,558 |
| Salaries and employee benefits | $494,000 | 4,130 |
| Premises and equipment expense | $103,000 | 4,762 |
| Additional noninterest expense | $203,000 | 5,013 |
| Pre-tax net operating income | $288,000 | 5,100 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $288,000 | 4,485 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $288,000 | 4,486 |
| 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 | $288,000 | 4,442 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,844,000 | 5,679 |
| Total interest expense | $1,076,000 | 5,450 |
| Net interest income | $2,768,000 | 5,686 |
| Provision for loan and lease losses | $312,000 | 2,829 |
| Total noninterest income | $441,000 | 5,576 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $86,000 | 6,680 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $355,000 | 3,939 |
| Total noninterest expense | $2,556,000 | 5,226 |
| Salaries and employee benefits | $1,569,000 | 4,773 |
| Premises and equipment expense | $410,000 | 4,679 |
| Additional noninterest expense | $577,000 | 6,113 |
| Pre-tax net operating income | $341,000 | 7,301 |
| Securities gains (losses) | $-3,000 | 7,966 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $338,000 | 7,066 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $338,000 | 7,067 |
| 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 | $0 | 872 |
| Net operating income | $341,000 | 7,005 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,656,000 | 5,932 |
| Total interest expense | $737,000 | 5,679 |
| Net interest income | $1,919,000 | 5,930 |
| Provision for loan and lease losses | $241,000 | 2,632 |
| Total noninterest income | $287,000 | 5,928 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $78,000 | 6,466 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $209,000 | 4,407 |
| Total noninterest expense | $1,828,000 | 5,364 |
| Salaries and employee benefits | $1,143,000 | 4,836 |
| Premises and equipment expense | $275,000 | 5,042 |
| Additional noninterest expense | $410,000 | 6,238 |
| Pre-tax net operating income | $137,000 | 7,963 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $136,000 | 7,874 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $136,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $137,000 | 7,820 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,603,000 | 6,253 |
| Total interest expense | $459,000 | 5,894 |
| Net interest income | $1,144,000 | 6,291 |
| Provision for loan and lease losses | $178,000 | 2,448 |
| Total noninterest income | $190,000 | 5,938 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $48,000 | 6,596 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $142,000 | 4,412 |
| Total noninterest expense | $1,154,000 | 5,558 |
| Salaries and employee benefits | $724,000 | 5,046 |
| Premises and equipment expense | $175,000 | 5,210 |
| Additional noninterest expense | $255,000 | 6,470 |
| Pre-tax net operating income | $2,000 | 8,500 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $2,000 | 8,553 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,000 | 8,505 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $741,000 | 6,525 |
| Total interest expense | $218,000 | 6,107 |
| Net interest income | $523,000 | 6,564 |
| Provision for loan and lease losses | $97,000 | 2,183 |
| Total noninterest income | $37,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $21,000 | 6,734 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $16,000 | 7,156 |
| Total noninterest expense | $507,000 | 5,994 |
| Salaries and employee benefits | $336,000 | 5,335 |
| Premises and equipment expense | $84,000 | 5,376 |
| Additional noninterest expense | $87,000 | 7,462 |
| Pre-tax net operating income | $-44,000 | 8,712 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-44,000 | 8,749 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-44,000 | 8,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-44,000 | 8,709 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,045,000 | 8,541 |
| Total interest expense | $304,000 | 8,442 |
| Net interest income | $741,000 | 8,501 |
| Provision for loan and lease losses | $292,000 | 3,255 |
| Total noninterest income | $23,000 | 8,986 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $23,000 | 7,801 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $1,144,000 | 7,591 |
| Salaries and employee benefits | $700,000 | 7,295 |
| Premises and equipment expense | $153,000 | 7,361 |
| Additional noninterest expense | $291,000 | 7,823 |
| Pre-tax net operating income | $-672,000 | 8,883 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-672,000 | 8,958 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-672,000 | 8,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $11,400,000 | 70 |
| Net operating income | $-672,000 | 8,904 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $522,000 | 8,909 |
| Total interest expense | $148,000 | 8,854 |
| Net interest income | $374,000 | 8,887 |
| Provision for loan and lease losses | $197,000 | 3,369 |
| Total noninterest income | $6,000 | 9,130 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $6,000 | 8,015 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,106 |
| Total noninterest expense | $698,000 | 8,025 |
| Salaries and employee benefits | $433,000 | 7,755 |
| Premises and equipment expense | $90,000 | 7,812 |
| Additional noninterest expense | $175,000 | 8,234 |
| Pre-tax net operating income | $-515,000 | 8,965 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-515,000 | 9,032 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-515,000 | 9,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $11,400,000 | 47 |
| Net operating income | $-515,000 | 8,977 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $146,000 | 9,172 |
| Total interest expense | $45,000 | 9,112 |
| Net interest income | $101,000 | 9,169 |
| Provision for loan and lease losses | $73,000 | 4,471 |
| Total noninterest income | $1,000 | 9,203 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,000 | 8,110 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $0 | 9,111 |
| Total noninterest expense | $360,000 | 8,448 |
| Salaries and employee benefits | $228,000 | 8,271 |
| Premises and equipment expense | $36,000 | 8,500 |
| Additional noninterest expense | $96,000 | 8,511 |
| Pre-tax net operating income | $-331,000 | 9,000 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-331,000 | 9,078 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-331,000 | 9,077 |
| 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 | $11,400,000 | 33 |
| Net operating income | $-331,000 | 9,017 |
* 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.