| 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.] |
