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CertusBank, Income and Expense

2015-09-30 (YTD Data)Rank
Total interest income$28,691,000680
Total interest expense$5,472,000377
Net interest income$23,219,000731
Provision for loan and lease losses$-3,131,0006,234
Total noninterest income$907,0002,795
Gross Fiduciary activities income$144,000752
Service charges on deposit accounts$1,325,000756
Trading account gains and fees$-23,0006,238
Additional Noninterest Income$-539,0006,261
Total noninterest expense$127,806,000165
Salaries and employee benefits$21,313,000428
Premises and equipment expense$12,747,000175
Additional noninterest expense$93,746,000103
Pre-tax net operating income$-100,549,0006,276
Securities gains (losses)$-1,751,0006,261
Applicable income taxes$04,489
Income before extraordinary items$-102,300,0006,267
Extraordinary gains, net$21,960,0002
Net income$-80,340,0006,267
Minority interest net income$078
Net income of bank and minority interests.$-80,340,0006,267
Net charge-offs$4,235,000162
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$0773
Net operating income$-100,549,0006,267
2015-06-30 (YTD Data)Rank
Total interest income$20,949,000607
Total interest expense$4,155,000328
Net interest income$16,794,000680
Provision for loan and lease losses$-3,131,0006,322
Total noninterest income$3,824,000850
Gross Fiduciary activities income$115,000743
Service charges on deposit accounts$946,000678
Trading account gains and fees$-11,0006,310
Additional Noninterest Income$2,774,000757
Total noninterest expense$66,036,000194
Salaries and employee benefits$15,974,000388
Premises and equipment expense$9,688,000164
Additional noninterest expense$40,374,000142
Pre-tax net operating income$-42,287,0006,356
Securities gains (losses)$-641,0006,321
Applicable income taxes$04,497
Income before extraordinary items$-42,928,0006,347
Extraordinary gains, net$21,971,0002
Net income$-20,957,0006,345
Minority interest net income$075
Net income of bank and minority interests.$-20,957,0006,345
Net charge-offs$3,847,000125
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$0751
Net operating income$-42,287,0006,347
2015-03-31 (YTD Data)Rank
Total interest income$14,172,000444
Total interest expense$2,434,000290
Net interest income$11,738,000483
Provision for loan and lease losses$2,510,000128
Total noninterest income$2,994,000586
Gross Fiduciary activities income$60,000746
Service charges on deposit accounts$493,000637
Trading account gains and fees$-13,0006,395
Additional Noninterest Income$2,454,000496
Total noninterest expense$45,990,000153
Salaries and employee benefits$9,210,000342
Premises and equipment expense$4,602,000170
Additional noninterest expense$32,178,000101
Pre-tax net operating income$-33,768,0006,425
Securities gains (losses)$210,000350
Applicable income taxes$04,400
Income before extraordinary items$-33,558,0006,418
Extraordinary gains, net$013
Net income$-33,558,0006,418
Minority interest net income$064
Net income of bank and minority interests.$-33,558,0006,418
Net charge-offs$1,106,000200
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$-33,768,0006,418
2014-12-31 (YTD Data)Rank
Total interest income$65,631,000393
Total interest expense$8,506,000326
Net interest income$57,125,000404
Provision for loan and lease losses$9,777,000129
Total noninterest income$10,102,000640
Gross Fiduciary activities income$506,000607
Service charges on deposit accounts$2,589,000528
Trading account gains and fees$149,000125
Additional Noninterest Income$6,858,000605
Total noninterest expense$118,325,000209
Salaries and employee benefits$46,044,000265
Premises and equipment expense$21,318,000147
Additional noninterest expense$50,963,000197
Pre-tax net operating income$-60,875,0006,513
Securities gains (losses)$1,323,000153
Applicable income taxes$04,531
Income before extraordinary items$-59,552,0006,504
Extraordinary gains, net$-10,446,0006,505
Net income$-69,998,0006,505
Minority interest net income$084
Net income of bank and minority interests.$-69,998,0006,505
Net charge-offs$12,867,000111
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-60,875,0006,504
2014-09-30 (YTD Data)Rank
Total interest income$52,127,000382
Total interest expense$6,000,000346
Net interest income$46,127,000386
Provision for loan and lease losses$6,285,000145
Total noninterest income$17,199,000341
Gross Fiduciary activities income$374,000607
Service charges on deposit accounts$1,986,000520
Trading account gains and fees$175,000105
Additional Noninterest Income$14,664,000272
Total noninterest expense$96,923,000195
Salaries and employee benefits$44,352,000195
Premises and equipment expense$16,790,000142
Additional noninterest expense$35,781,000200
Pre-tax net operating income$-39,882,0006,591
Securities gains (losses)$871,000180
Applicable income taxes$04,583
Income before extraordinary items$-39,011,0006,583
Extraordinary gains, net$015
Net income$-39,011,0006,583
Minority interest net income$081
Net income of bank and minority interests.$-39,011,0006,583
Net charge-offs$12,401,00093
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$0819
Net operating income$-39,882,0006,583
2014-06-30 (YTD Data)Rank
Total interest income$35,419,000381
Total interest expense$3,621,000389
Net interest income$31,798,000375
Provision for loan and lease losses$2,084,000238
Total noninterest income$12,543,000315
Gross Fiduciary activities income$238,000620
Service charges on deposit accounts$1,359,000497
Trading account gains and fees$56,000136
Additional Noninterest Income$10,890,000249
Total noninterest expense$67,185,000190
Salaries and employee benefits$31,023,000185
Premises and equipment expense$11,131,000141
Additional noninterest expense$25,031,000194
Pre-tax net operating income$-24,928,0006,661
Securities gains (losses)$871,000141
Applicable income taxes$04,568
Income before extraordinary items$-24,057,0006,650
Extraordinary gains, net$020
Net income$-24,057,0006,650
Minority interest net income$080
Net income of bank and minority interests.$-24,057,0006,650
Net charge-offs$1,796,000315
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$-24,928,0006,651
2014-03-31 (YTD Data)Rank
Total interest income$17,667,000380
Total interest expense$1,711,000414
Net interest income$15,956,000375
Provision for loan and lease losses$1,206,000222
Total noninterest income$7,985,000267
Gross Fiduciary activities income$106,000645
Service charges on deposit accounts$698,000476
Trading account gains and fees$-1,0006,684
Additional Noninterest Income$7,182,000205
Total noninterest expense$32,589,000197
Salaries and employee benefits$16,814,000176
Premises and equipment expense$5,164,000151
Additional noninterest expense$10,611,000212
Pre-tax net operating income$-9,854,0006,734
Securities gains (losses)$814,00095
Applicable income taxes$04,445
Income before extraordinary items$-9,040,0006,725
Extraordinary gains, net$016
Net income$-9,040,0006,725
Minority interest net income$066
Net income of bank and minority interests.$-9,040,0006,725
Net charge-offs$1,439,000218
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$-9,854,0006,725
2013-12-31 (YTD Data)Rank
Total interest income$72,293,000362
Total interest expense$8,416,000365
Net interest income$63,877,000362
Provision for loan and lease losses$27,536,00077
Total noninterest income$17,608,000450
Gross Fiduciary activities income$173,000797
Service charges on deposit accounts$2,714,000514
Trading account gains and fees$687,00084
Additional Noninterest Income$14,034,000374
Total noninterest expense$147,931,000170
Salaries and employee benefits$67,313,000172
Premises and equipment expense$14,499,000185
Additional noninterest expense$66,119,000162
Pre-tax net operating income$-93,982,0006,815
Securities gains (losses)$693,000325
Applicable income taxes$-17,607,0006,791
Income before extraordinary items$-75,682,0006,808
Extraordinary gains, net$029
Net income$-75,682,0006,808
Minority interest net income$090
Net income of bank and minority interests.$-75,682,0006,808
Net charge-offs$14,830,000135
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$0924
Net operating income$-76,243,3306,808
2013-09-30 (YTD Data)Rank
Total interest income$54,517,000362
Total interest expense$6,665,000358
Net interest income$47,852,000369
Provision for loan and lease losses$8,757,000141
Total noninterest income$26,663,000267
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$1,979,000524
Trading account gains and fees$720,00078
Additional Noninterest Income$23,964,000212
Total noninterest expense$110,191,000169
Salaries and employee benefits$52,041,000164
Premises and equipment expense$10,427,000188
Additional noninterest expense$47,723,000160
Pre-tax net operating income$-44,433,0006,895
Securities gains (losses)$1,370,000158
Applicable income taxes$-16,205,0006,875
Income before extraordinary items$-26,858,0006,885
Extraordinary gains, net$025
Net income$-26,858,0006,885
Minority interest net income$084
Net income of bank and minority interests.$-26,858,0006,885
Net charge-offs$7,487,000182
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-27,734,8006,885
2013-06-30 (YTD Data)Rank
Total interest income$36,342,000361
Total interest expense$4,731,000345
Net interest income$31,611,000368
Provision for loan and lease losses$2,929,000258
Total noninterest income$19,763,000259
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$1,211,000552
Trading account gains and fees$507,00075
Additional Noninterest Income$18,045,000201
Total noninterest expense$75,145,000162
Salaries and employee benefits$34,862,000164
Premises and equipment expense$7,136,000184
Additional noninterest expense$33,147,000151
Pre-tax net operating income$-26,700,0006,944
Securities gains (losses)$1,221,000156
Applicable income taxes$-9,682,0006,931
Income before extraordinary items$-15,797,0006,933
Extraordinary gains, net$022
Net income$-15,797,0006,933
Minority interest net income$082
Net income of bank and minority interests.$-15,797,0006,933
Net charge-offs$6,027,000163
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$-16,578,4406,933
2013-03-31 (YTD Data)Rank
Total interest income$17,601,000370
Total interest expense$2,504,000338
Net interest income$15,097,000378
Provision for loan and lease losses$531,000663
Total noninterest income$6,582,000351
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$537,000623
Trading account gains and fees$357,00070
Additional Noninterest Income$5,688,000277
Total noninterest expense$35,866,000172
Salaries and employee benefits$16,727,000171
Premises and equipment expense$3,260,000202
Additional noninterest expense$15,879,000156
Pre-tax net operating income$-14,718,0007,022
Securities gains (losses)$686,000156
Applicable income taxes$-5,333,0007,014
Income before extraordinary items$-8,699,0007,009
Extraordinary gains, net$010
Net income$-8,699,0007,009
Minority interest net income$076
Net income of bank and minority interests.$-8,699,0007,009
Net charge-offs$4,510,000131
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$-9,138,0407,010
2012-12-31 (YTD Data)Rank
Total interest income$64,629,000406
Total interest expense$10,934,000369
Net interest income$53,695,000417
Provision for loan and lease losses$20,033,000170
Total noninterest income$46,412,000231
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$2,497,000573
Trading account gains and fees$171,000106
Additional Noninterest Income$43,744,000168
Total noninterest expense$117,472,000205
Salaries and employee benefits$46,911,000240
Premises and equipment expense$9,511,000267
Additional noninterest expense$61,050,000173
Pre-tax net operating income$-37,398,0007,073
Securities gains (losses)$4,601,00099
Applicable income taxes$-12,897,0007,061
Income before extraordinary items$-19,900,0007,052
Extraordinary gains, net$029
Net income$-19,900,0007,052
Minority interest net income$093
Net income of bank and minority interests.$-19,900,0007,052
Net charge-offs$4,351,000636
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$-22,844,6407,052
2012-09-30 (YTD Data)Rank
Total interest income$48,771,000409
Total interest expense$8,712,000359
Net interest income$40,059,000421
Provision for loan and lease losses$10,143,000221
Total noninterest income$21,317,000334
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$1,799,000601
Trading account gains and fees$42,000123
Additional Noninterest Income$19,476,000257
Total noninterest expense$81,838,000221
Salaries and employee benefits$33,231,000254
Premises and equipment expense$6,392,000293
Additional noninterest expense$42,215,000182
Pre-tax net operating income$-30,605,0007,177
Securities gains (losses)$4,485,00085
Applicable income taxes$-9,142,0007,162
Income before extraordinary items$-16,978,0007,159
Extraordinary gains, net$020
Net income$-16,978,0007,159
Minority interest net income$086
Net income of bank and minority interests.$-16,978,0007,159
Net charge-offs$2,577,000758
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$-19,893,2507,162
2012-06-30 (YTD Data)Rank
Total interest income$34,921,000392
Total interest expense$6,248,000354
Net interest income$28,673,000394
Provision for loan and lease losses$6,336,000239
Total noninterest income$12,241,000361
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$1,158,000613
Trading account gains and fees$0153
Additional Noninterest Income$11,083,000277
Total noninterest expense$52,547,000228
Salaries and employee benefits$21,775,000252
Premises and equipment expense$4,091,000304
Additional noninterest expense$26,681,000184
Pre-tax net operating income$-17,969,0007,242
Securities gains (losses)$2,021,000136
Applicable income taxes$-5,582,0007,230
Income before extraordinary items$-10,366,0007,220
Extraordinary gains, net$019
Net income$-10,366,0007,220
Minority interest net income$084
Net income of bank and minority interests.$-10,366,0007,220
Net charge-offs$1,108,0001,060
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$-11,679,6507,222
2012-03-31 (YTD Data)Rank
Total interest income$17,015,000396
Total interest expense$2,751,000413
Net interest income$14,264,000395
Provision for loan and lease losses$5,530,000148
Total noninterest income$7,514,000302
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$583,000608
Trading account gains and fees$0148
Additional Noninterest Income$6,931,000241
Total noninterest expense$24,427,000235
Salaries and employee benefits$9,994,000274
Premises and equipment expense$1,699,000375
Additional noninterest expense$12,734,000188
Pre-tax net operating income$-8,179,0007,304
Securities gains (losses)$1,152,000115
Applicable income taxes$-2,811,0007,296
Income before extraordinary items$-4,216,0007,280
Extraordinary gains, net$019
Net income$-4,216,0007,280
Minority interest net income$078
Net income of bank and minority interests.$-4,216,0007,280
Net charge-offs$873,000731
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$-4,953,2807,283
2011-12-31 (YTD Data)Rank
Total interest income$50,015,000550
Total interest expense$8,661,000668
Net interest income$41,354,000531
Provision for loan and lease losses$6,416,000648
Total noninterest income$126,259,000104
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$2,224,000665
Trading account gains and fees$0146
Additional Noninterest Income$124,035,00080
Total noninterest expense$65,754,000330
Salaries and employee benefits$23,358,000425
Premises and equipment expense$4,244,000596
Additional noninterest expense$38,152,000238
Pre-tax net operating income$95,443,000129
Securities gains (losses)$-46,0007,011
Applicable income taxes$36,023,000119
Income before extraordinary items$59,374,000142
Extraordinary gains, net$029
Net income$59,374,000142
Minority interest net income$096
Net income of bank and minority interests.$59,374,000143
Net charge-offs$418,0003,387
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$193,500,00010
Net operating income$59,403,440140
2011-09-30 (YTD Data)Rank
Total interest income$32,762,000640
Total interest expense$6,321,000716
Net interest income$26,441,000606
Provision for loan and lease losses$2,117,0001,190
Total noninterest income$110,169,00094
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$1,459,000753
Trading account gains and fees$0145
Additional Noninterest Income$108,710,00069
Total noninterest expense$36,023,000432
Salaries and employee benefits$13,265,000553
Premises and equipment expense$3,219,000594
Additional noninterest expense$19,539,000314
Pre-tax net operating income$98,470,000109
Securities gains (losses)$-88,0007,212
Applicable income taxes$36,401,000104
Income before extraordinary items$61,981,000119
Extraordinary gains, net$021
Net income$61,981,000119
Minority interest net income$087
Net income of bank and minority interests.$61,981,000120
Net charge-offs$06,185
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$193,500,0007
Net operating income$62,037,320116
2011-06-30 (YTD Data)Rank
Total interest income$13,504,0001,062
Total interest expense$3,135,0001,051
Net interest income$10,369,0001,079
Provision for loan and lease losses$06,217
Total noninterest income$105,299,00081
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$530,0001,380
Trading account gains and fees$0153
Additional Noninterest Income$104,769,00064
Total noninterest expense$16,172,000635
Salaries and employee benefits$5,241,000943
Premises and equipment expense$846,0001,491
Additional noninterest expense$10,085,000393
Pre-tax net operating income$99,496,00091
Securities gains (losses)$-107,0007,324
Applicable income taxes$39,806,00076
Income before extraordinary items$59,583,000100
Extraordinary gains, net$015
Net income$59,583,000100
Minority interest net income$089
Net income of bank and minority interests.$59,583,000100
Net charge-offs$05,875
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$193,500,0005
Net operating income$59,651,48095
2011-03-31 (YTD Data)Rank
Total interest income$3,365,0002,124
Total interest expense$971,0001,731
Net interest income$2,394,0002,282
Provision for loan and lease losses$05,840
Total noninterest income$4,653,000395
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$64,0003,860
Trading account gains and fees$0158
Additional Noninterest Income$4,589,000290
Total noninterest expense$2,625,0001,864
Salaries and employee benefits$1,347,0001,844
Premises and equipment expense$179,0003,251
Additional noninterest expense$1,099,0001,572
Pre-tax net operating income$4,422,000408
Securities gains (losses)$-111,0007,412
Applicable income taxes$1,629,000326
Income before extraordinary items$2,682,000508
Extraordinary gains, net$09
Net income$2,682,000507
Minority interest net income$086
Net income of bank and minority interests.$2,682,000508
Net charge-offs$05,107
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$39,000,0005
Net operating income$2,753,040475

* 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.