Items |
06/30/2004 |
12/31/2003 |
12/31/2002 |
Interest Income: |
Interest and fee income on loans |
2,185 |
4,826 |
6,305 |
Income from lease financing |
|
|
|
Interest on balances with depository institutions |
|
|
|
Income on Federal funds sold and repos |
66 |
350 |
512 |
Interest from assets held in trading accounts |
|
|
|
Interest and dividends on securities |
268 |
406 |
512 |
Other Interest Income |
|
|
|
Total Interest Income |
2,519 |
5,582 |
7,329 |
Interest Expense: |
Interest on deposits |
858 |
2,434 |
3,832 |
Expense on Federal funds purchased and repos |
5 |
18 |
18 |
Interest on demand notes, other borrowed money, mortgages, and capitalized leases. |
31 |
|
|
Interest on subordinated notes and debentures |
|
|
|
Total Interest Expense |
894 |
2,452 |
3,850 |
Net Interest Income |
1,625 |
3,130 |
3,479 |
Noninterest Income: |
Services charges on deposit accounts |
234 |
461 |
415 |
All other noninterest income |
70 |
128 |
228 |
Total Noninterest Income |
304 |
589 |
643 |
Noninterest Expense: |
Salaries and employee benefits |
750 |
1,422 |
1,342 |
Premises and fixed assets expense (net of rental income) |
271 |
549 |
584 |
Amortization expense of intangible assets (including goodwill) |
|
|
|
Other noninterest expense |
446 |
931 |
978 |
Total Noninterest Expense |
1,467 |
2,902 |
2,904 |
Provision for loan and lease losses |
300 |
1,025 |
1,580 |
Securities gains (losses) |
15 |
48 |
|
Net Operating Income (Pretax) |
177 |
(160) |
(362) |
Applicable income taxes |
74 |
(36) |
(117) |
Net Operating Income (Aftertax) |
103 |
(124) |
(245) |
Extraordinary credits (charges) net of income tax |
|
|
|
Net Income |
103 |
(124) |
(245) |
Other increases in equity capital accounts |
60 |
|
|
Other decreases in equity capital accounts |
|
|
|
Cash dividends declared on common stock |
|
|
|
Net change in equity capital accounts for the period |
163 |
(124) |
(245) |
Equity capital accounts at beginning of the period |
6,027 |
6,151 |
6,396 |
Equity capital accounts at end of the period |
6,190 |
6,027 |
6,151 |
Footnotes:
[Included for illustrative purposes only.] |