Terme Bancorp, Inc. (TMEB)

Terme Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2004	FY 2003	FY 2002	FY 2001	FY 2000
Period Ending	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001	Dec 31, 2000
Interest Income on Loans	3.27	5.85	17.05	24.27	23.59
Interest Income on Investments	3.02	5.07	9.02	12.81	6.49
Total Interest Income	6.29	10.92	26.07	37.08	30.07
Interest Paid on Deposits	3.4	6.4	16.99	25.66	19.09
Interest Paid on Borrowings	2.84	2.95	4.04	3.82	3.72
Total Interest Expense	6.24	9.35	21.04	29.48	22.81
Net Interest Income	0.06	1.57	5.03	7.6	7.26
Net Interest Income Growth (YoY)	-96.44%	-68.71%	-33.80%	4.68%	-7.92%
Income From Trading Activities	-	-	0.03	1.22	0.21
Gain (Loss) on Sale of Assets	-1.95	2.16	0.13	0.12	0.72
Gain (Loss) on Sale of Investments	-	-	-0.5	1.41	-0.11
Gain (Loss) on Sale of Equity Investments	-0.19	-0.19	-2.55	-0.9	-0.11
Other Non-Interest Income	0.12	0.2	0.51	0.4	0.3
Total Non-Interest Income	-1.67	2.64	-1.2	3.4	2.12
Non-Interest Income Growth (YoY)	-	-	-	60.37%	-9.53%
Revenues Before Loan Losses	-1.62	4.21	3.83	10.99	9.38
Provision for Loan Losses	2.53	1.59	9.81	1.71	1.22
Revenue	-4.14	2.63	-5.98	9.28	8.16
Revenue Growth (YoY)	-	-	-	13.80%	-11.88%
Salaries and Employee Benefits	2.43	3.39	4.22	3.65	3.38
Occupancy Expenses	0.78	1.08	2.04	2.29	2.15
Federal Deposit Insurance	0.28	0.47	0.44	0.08	0.06
Selling, General & Administrative	2.64	3.64	4.97	3.9	2.29
Other Non-Interest Expense	1.8	1.86	3.68	2.45	2.69
Total Non-Interest Expense	7.93	10.43	15.36	12.36	10.57
EBT Excluding Unusual Items	-12.08	-7.81	-21.33	-3.08	-2.42
Other Unusual Items	-	-0.02	-	-	-
Pretax Income	-12.08	-7.83	-21.33	-3.08	5.56
Income Tax Expense	-0.36	10.39	-9.04	-2.44	1.23
Earnings From Continuing Operations	-11.72	-18.22	-12.3	-0.64	4.33
Net Income	-11.72	-18.22	-12.3	-0.64	4.33
Net Income to Common	-11.72	-18.22	-12.3	-0.64	4.33
Net Income Growth	-	-	-	-	68.06%
Basic Shares Outstanding	3	2	2	2	2
Diluted Shares Outstanding	3	2	2	2	2
Shares Change (YoY)	46.08%	13.29%	-0.49%	-20.38%	5.04%
EPS (Basic)	-4.13	-9.37	-7.17	-0.37	2.16
EPS (Diluted)	-4.13	-9.37	-7.17	-0.37	2.00
EPS Growth	-	-	-	-	59.90%
Dividend Per Share	-	-	0.150	0.200	0.200
Dividend Growth	-	-	-25.00%	-	-
Effective Tax Rate	-	-	-	-	22.08%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.