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Loans, including fees$17,742K Interest-bearing deposits andother$1,194K Mortgage-backed securities$301K Total interest income$19,237K Net interest income$8,341K Earnings on bank-ownedlife insurance$86K Net gains on sales ofloans$201K Other$213K Total interestexpense$10,896K Net interest incomeafter provision for...$8,302K Total non-interestincome$500K Provision for creditlosses$39K Borrowings$2,750K Deposits$8,146K Income (loss) beforeincome taxes$238K Total non-interestexpense$8,564K Net income (loss)$181K Total income taxexpense (benefit)$57K Deferred-$150K Franchise and other taxes$132K Outside service fees$511K Regulatory assessments$97K Advertising$186K Data processing$674K Fdic insurancepremiums$253K Foreclosure and reo expense,net$88K Voice and datacommunications$136K Employee compensationand benefits$4,846K Occupancy and equipment$550K Other non-interestexpense$737K Audit and accounting$354K Current$207K