Home > Northwood Savings Bank > Income and Expense
Northwood Savings Bank, Income and Expense
2005-09-30 (YTD Data) | Rank | |
Total interest income | $448,000 | 8,635 |
Total interest expense | $171,000 | 8,376 |
Net interest income | $277,000 | 8,680 |
Provision for loan and lease losses | $-22,000 | 8,626 |
Total noninterest income | $1,000 | 8,787 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $0 | 7,794 |
Trading account gains and fees | $0 | 126 |
Additional Noninterest Income | $1,000 | 8,692 |
Total noninterest expense | $220,000 | 8,771 |
Salaries and employee benefits | $152,000 | 8,694 |
Premises and equipment expense | $20,000 | 8,707 |
Additional noninterest expense | $48,000 | 8,797 |
Pre-tax net operating income | $80,000 | 8,090 |
Securities gains (losses) | $0 | 2,317 |
Applicable income taxes | $6,000 | 6,656 |
Income before extraordinary items | $74,000 | 8,086 |
Extraordinary gains, net | $0 | 35 |
Net income | $74,000 | 8,085 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-22,000 | 8,204 |
Cash dividends | $0 | 5,317 |
Sale, conversion, retirement of capital stock, net | $0 | 769 |
Net operating income | $74,000 | 8,057 |
2005-06-30 (YTD Data) | Rank | |
Total interest income | $300,000 | 8,641 |
Total interest expense | $113,000 | 8,386 |
Net interest income | $187,000 | 8,686 |
Provision for loan and lease losses | $-22,000 | 8,659 |
Total noninterest income | $1,000 | 8,790 |
Gross Fiduciary activities income | $0 | 1,480 |
Service charges on deposit accounts | $0 | 7,790 |
Trading account gains and fees | $0 | 116 |
Additional Noninterest Income | $1,000 | 8,662 |
Total noninterest expense | $142,000 | 8,786 |
Salaries and employee benefits | $92,000 | 8,737 |
Premises and equipment expense | $14,000 | 8,690 |
Additional noninterest expense | $36,000 | 8,783 |
Pre-tax net operating income | $68,000 | 8,040 |
Securities gains (losses) | $0 | 2,146 |
Applicable income taxes | $9,000 | 6,449 |
Income before extraordinary items | $59,000 | 8,041 |
Extraordinary gains, net | $0 | 30 |
Net income | $59,000 | 8,041 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-22,000 | 8,182 |
Cash dividends | $0 | 5,072 |
Sale, conversion, retirement of capital stock, net | $0 | 643 |
Net operating income | $59,000 | 8,008 |
2005-03-31 (YTD Data) | Rank | |
Total interest income | $150,000 | 8,718 |
Total interest expense | $59,000 | 8,403 |
Net interest income | $91,000 | 8,776 |
Provision for loan and lease losses | $-22,000 | 8,762 |
Total noninterest income | $1,000 | 8,826 |
Gross Fiduciary activities income | $0 | 1,418 |
Service charges on deposit accounts | $0 | 7,845 |
Trading account gains and fees | $0 | 115 |
Additional Noninterest Income | $1,000 | 8,675 |
Total noninterest expense | $68,000 | 8,866 |
Salaries and employee benefits | $45,000 | 8,810 |
Premises and equipment expense | $5,000 | 8,804 |
Additional noninterest expense | $18,000 | 8,845 |
Pre-tax net operating income | $46,000 | 7,942 |
Securities gains (losses) | $0 | 1,685 |
Applicable income taxes | $5,000 | 6,381 |
Income before extraordinary items | $41,000 | 7,917 |
Extraordinary gains, net | $0 | 24 |
Net income | $41,000 | 7,917 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-22,000 | 8,351 |
Cash dividends | $0 | 3,863 |
Sale, conversion, retirement of capital stock, net | $0 | 491 |
Net operating income | $41,000 | 7,887 |
2004-12-31 (YTD Data) | Rank | |
Total interest income | $605,000 | 8,698 |
Total interest expense | $227,000 | 8,376 |
Net interest income | $378,000 | 8,749 |
Provision for loan and lease losses | $0 | 7,314 |
Total noninterest income | $3,000 | 8,883 |
Gross Fiduciary activities income | $0 | 1,582 |
Service charges on deposit accounts | $0 | 7,912 |
Trading account gains and fees | $0 | 138 |
Additional Noninterest Income | $3,000 | 8,748 |
Total noninterest expense | $294,000 | 8,891 |
Salaries and employee benefits | $189,000 | 8,825 |
Premises and equipment expense | $24,000 | 8,844 |
Additional noninterest expense | $81,000 | 8,876 |
Pre-tax net operating income | $87,000 | 8,150 |
Securities gains (losses) | $0 | 3,819 |
Applicable income taxes | $25,000 | 6,445 |
Income before extraordinary items | $62,000 | 8,238 |
Extraordinary gains, net | $0 | 34 |
Net income | $62,000 | 8,238 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 6,973 |
Cash dividends | $0 | 6,149 |
Sale, conversion, retirement of capital stock, net | $0 | 872 |
Net operating income | $62,000 | 8,193 |
2004-09-30 (YTD Data) | Rank | |
Total interest income | $451,000 | 8,757 |
Total interest expense | $171,000 | 8,410 |
Net interest income | $280,000 | 8,809 |
Provision for loan and lease losses | $0 | 7,100 |
Total noninterest income | $3,000 | 8,948 |
Gross Fiduciary activities income | $0 | 1,547 |
Service charges on deposit accounts | $0 | 7,933 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $3,000 | 8,783 |
Total noninterest expense | $229,000 | 8,917 |
Salaries and employee benefits | $137,000 | 8,878 |
Premises and equipment expense | $18,000 | 8,883 |
Additional noninterest expense | $74,000 | 8,852 |
Pre-tax net operating income | $54,000 | 8,293 |
Securities gains (losses) | $0 | 3,710 |
Applicable income taxes | $0 | 7,220 |
Income before extraordinary items | $54,000 | 8,301 |
Extraordinary gains, net | $0 | 26 |
Net income | $54,000 | 8,303 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 6,496 |
Cash dividends | $0 | 5,363 |
Sale, conversion, retirement of capital stock, net | $0 | 738 |
Net operating income | $54,000 | 8,263 |
2004-06-30 (YTD Data) | Rank | |
Total interest income | $292,000 | 8,835 |
Total interest expense | $116,000 | 8,455 |
Net interest income | $176,000 | 8,884 |
Provision for loan and lease losses | $0 | 6,885 |
Total noninterest income | $2,000 | 9,001 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $0 | 7,979 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $2,000 | 8,825 |
Total noninterest expense | $138,000 | 8,999 |
Salaries and employee benefits | $91,000 | 8,935 |
Premises and equipment expense | $12,000 | 8,933 |
Additional noninterest expense | $35,000 | 8,993 |
Pre-tax net operating income | $40,000 | 8,299 |
Securities gains (losses) | $0 | 3,413 |
Applicable income taxes | $0 | 7,214 |
Income before extraordinary items | $40,000 | 8,315 |
Extraordinary gains, net | $0 | 21 |
Net income | $40,000 | 8,318 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 6,017 |
Cash dividends | $0 | 5,087 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $40,000 | 8,253 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $147,000 | 8,874 |
Total interest expense | $60,000 | 8,485 |
Net interest income | $87,000 | 8,935 |
Provision for loan and lease losses | $0 | 6,501 |
Total noninterest income | $2,000 | 9,001 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $0 | 7,976 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $2,000 | 8,709 |
Total noninterest expense | $72,000 | 9,030 |
Salaries and employee benefits | $49,000 | 8,958 |
Premises and equipment expense | $6,000 | 8,944 |
Additional noninterest expense | $17,000 | 9,037 |
Pre-tax net operating income | $17,000 | 8,350 |
Securities gains (losses) | $0 | 2,934 |
Applicable income taxes | $0 | 7,103 |
Income before extraordinary items | $17,000 | 8,378 |
Extraordinary gains, net | $0 | 16 |
Net income | $17,000 | 8,379 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 5,097 |
Cash dividends | $0 | 3,841 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $17,000 | 8,310 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $607,000 | 8,888 |
Total interest expense | $252,000 | 8,603 |
Net interest income | $355,000 | 8,949 |
Provision for loan and lease losses | $9,000 | 7,413 |
Total noninterest income | $-5,000 | 9,163 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $0 | 8,063 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $-5,000 | 9,120 |
Total noninterest expense | $264,000 | 9,096 |
Salaries and employee benefits | $168,000 | 9,046 |
Premises and equipment expense | $22,000 | 9,060 |
Additional noninterest expense | $74,000 | 9,079 |
Pre-tax net operating income | $77,000 | 8,286 |
Securities gains (losses) | $10,000 | 3,613 |
Applicable income taxes | $14,000 | 6,930 |
Income before extraordinary items | $73,000 | 8,364 |
Extraordinary gains, net | $0 | 54 |
Net income | $73,000 | 8,368 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $9,000 | 6,674 |
Cash dividends | $0 | 6,283 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $64,600 | 8,303 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $484,000 | 8,954 |
Total interest expense | $188,000 | 8,716 |
Net interest income | $296,000 | 8,989 |
Provision for loan and lease losses | $9,000 | 7,157 |
Total noninterest income | $2,000 | 9,164 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $0 | 8,111 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $2,000 | 9,035 |
Total noninterest expense | $221,000 | 9,133 |
Salaries and employee benefits | $126,000 | 9,099 |
Premises and equipment expense | $18,000 | 9,092 |
Additional noninterest expense | $77,000 | 9,039 |
Pre-tax net operating income | $68,000 | 8,379 |
Securities gains (losses) | $10,000 | 3,326 |
Applicable income taxes | $5,000 | 7,232 |
Income before extraordinary items | $73,000 | 8,401 |
Extraordinary gains, net | $0 | 40 |
Net income | $73,000 | 8,403 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $9,000 | 6,047 |
Cash dividends | $0 | 5,519 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $63,600 | 8,337 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $315,000 | 9,005 |
Total interest expense | $126,000 | 8,778 |
Net interest income | $189,000 | 9,041 |
Provision for loan and lease losses | $6,000 | 7,004 |
Total noninterest income | $0 | 9,217 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $0 | 8,133 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $0 | 9,111 |
Total noninterest expense | $133,000 | 9,182 |
Salaries and employee benefits | $82,000 | 9,141 |
Premises and equipment expense | $11,000 | 9,127 |
Additional noninterest expense | $40,000 | 9,131 |
Pre-tax net operating income | $50,000 | 8,363 |
Securities gains (losses) | $10,000 | 2,948 |
Applicable income taxes | $5,000 | 7,181 |
Income before extraordinary items | $55,000 | 8,374 |
Extraordinary gains, net | $0 | 30 |
Net income | $55,000 | 8,375 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $9,000 | 5,353 |
Cash dividends | $0 | 5,215 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $45,800 | 8,334 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $151,000 | 9,077 |
Total interest expense | $65,000 | 8,834 |
Net interest income | $86,000 | 9,125 |
Provision for loan and lease losses | $3,000 | 6,662 |
Total noninterest income | $0 | 9,248 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $0 | 8,142 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $0 | 9,145 |
Total noninterest expense | $69,000 | 9,224 |
Salaries and employee benefits | $43,000 | 9,175 |
Premises and equipment expense | $6,000 | 9,130 |
Additional noninterest expense | $20,000 | 9,182 |
Pre-tax net operating income | $14,000 | 8,532 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $4,000 | 6,977 |
Income before extraordinary items | $10,000 | 8,634 |
Extraordinary gains, net | $0 | 21 |
Net income | $10,000 | 8,631 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $5,000 | 4,508 |
Cash dividends | $0 | 3,930 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $10,000 | 8,528 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $630,000 | 9,096 |
Total interest expense | $285,000 | 8,922 |
Net interest income | $345,000 | 9,141 |
Provision for loan and lease losses | $13,000 | 7,714 |
Total noninterest income | $16,000 | 9,190 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $0 | 8,205 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $16,000 | 8,678 |
Total noninterest expense | $255,000 | 9,275 |
Salaries and employee benefits | $163,000 | 9,211 |
Premises and equipment expense | $21,000 | 9,232 |
Additional noninterest expense | $71,000 | 9,249 |
Pre-tax net operating income | $93,000 | 8,332 |
Securities gains (losses) | $0 | 4,537 |
Applicable income taxes | $25,000 | 6,930 |
Income before extraordinary items | $68,000 | 8,474 |
Extraordinary gains, net | $0 | 70 |
Net income | $68,000 | 8,474 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $24,000 | 6,133 |
Cash dividends | $0 | 6,377 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $68,000 | 8,383 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $627,000 | 9,367 |
Total interest expense | $330,000 | 9,253 |
Net interest income | $297,000 | 9,416 |
Provision for loan and lease losses | $28,000 | 7,315 |
Total noninterest income | $25,000 | 9,386 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $0 | 8,399 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $25,000 | 8,525 |
Total noninterest expense | $252,000 | 9,531 |
Salaries and employee benefits | $159,000 | 9,473 |
Premises and equipment expense | $0 | 9,580 |
Additional noninterest expense | $93,000 | 9,418 |
Pre-tax net operating income | $42,000 | 8,568 |
Securities gains (losses) | $0 | 4,612 |
Applicable income taxes | $9,000 | 7,619 |
Income before extraordinary items | $33,000 | 8,681 |
Extraordinary gains, net | $0 | 105 |
Net income | $33,000 | 8,680 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $28,000 | 5,919 |
Cash dividends | $0 | 6,617 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $33,000 | 8,591 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $612,000 | 9,636 |
Total interest expense | $335,000 | 9,505 |
Net interest income | $277,000 | 9,723 |
Provision for loan and lease losses | $20,000 | 7,595 |
Total noninterest income | $11,000 | 9,736 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $1,000 | 8,577 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $10,000 | 9,421 |
Total noninterest expense | $234,000 | 9,814 |
Salaries and employee benefits | $154,000 | 9,741 |
Premises and equipment expense | $6,000 | 9,850 |
Additional noninterest expense | $74,000 | 9,766 |
Pre-tax net operating income | $34,000 | 9,007 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $11,000 | 8,049 |
Income before extraordinary items | $23,000 | 9,061 |
Extraordinary gains, net | $0 | 38 |
Net income | $23,000 | 9,059 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $21,000 | 5,922 |
Cash dividends | $0 | 6,853 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $23,000 | 9,045 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $600,000 | 9,913 |
Total interest expense | $325,000 | 9,767 |
Net interest income | $275,000 | 9,995 |
Provision for loan and lease losses | $36,000 | 6,998 |
Total noninterest income | $10,000 | 10,052 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $0 | 8,885 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $10,000 | 9,728 |
Total noninterest expense | $216,000 | 10,134 |
Salaries and employee benefits | $141,000 | 10,064 |
Premises and equipment expense | $21,000 | 10,076 |
Additional noninterest expense | $54,000 | 10,143 |
Pre-tax net operating income | $33,000 | 9,296 |
Securities gains (losses) | $0 | 3,155 |
Applicable income taxes | $9,000 | 8,512 |
Income before extraordinary items | $24,000 | 9,353 |
Extraordinary gains, net | $0 | 35 |
Net income | $24,000 | 9,347 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $6,000 | 7,179 |
Cash dividends | $0 | 7,131 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $24,000 | 9,321 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $564,000 | 10,183 |
Total interest expense | $317,000 | 10,028 |
Net interest income | $247,000 | 10,259 |
Provision for loan and lease losses | $41,000 | 6,908 |
Total noninterest income | $11,000 | 10,289 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $0 | 9,085 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $11,000 | 9,931 |
Total noninterest expense | $192,000 | 10,385 |
Salaries and employee benefits | $126,000 | 10,327 |
Premises and equipment expense | $13,000 | 10,375 |
Additional noninterest expense | $53,000 | 10,374 |
Pre-tax net operating income | $25,000 | 9,701 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $6,000 | 9,185 |
Income before extraordinary items | $19,000 | 9,761 |
Extraordinary gains, net | $0 | 32 |
Net income | $19,000 | 9,759 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $34,000 | 5,584 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $19,000 | 9,705 |
* 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.