Home > Northwood Savings Bank > Income and Expense

Northwood Savings Bank, Income and Expense

2005-09-30 (YTD Data)Rank
Total interest income$448,0008,635
Total interest expense$171,0008,376
Net interest income$277,0008,680
Provision for loan and lease losses$-22,0008,626
Total noninterest income$1,0008,787
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$07,794
Trading account gains and fees$0126
Additional Noninterest Income$1,0008,692
Total noninterest expense$220,0008,771
Salaries and employee benefits$152,0008,694
Premises and equipment expense$20,0008,707
Additional noninterest expense$48,0008,797
Pre-tax net operating income$80,0008,090
Securities gains (losses)$02,317
Applicable income taxes$6,0006,656
Income before extraordinary items$74,0008,086
Extraordinary gains, net$035
Net income$74,0008,085
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,0008,204
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$74,0008,057
2005-06-30 (YTD Data)Rank
Total interest income$300,0008,641
Total interest expense$113,0008,386
Net interest income$187,0008,686
Provision for loan and lease losses$-22,0008,659
Total noninterest income$1,0008,790
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$07,790
Trading account gains and fees$0116
Additional Noninterest Income$1,0008,662
Total noninterest expense$142,0008,786
Salaries and employee benefits$92,0008,737
Premises and equipment expense$14,0008,690
Additional noninterest expense$36,0008,783
Pre-tax net operating income$68,0008,040
Securities gains (losses)$02,146
Applicable income taxes$9,0006,449
Income before extraordinary items$59,0008,041
Extraordinary gains, net$030
Net income$59,0008,041
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,0008,182
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$59,0008,008
2005-03-31 (YTD Data)Rank
Total interest income$150,0008,718
Total interest expense$59,0008,403
Net interest income$91,0008,776
Provision for loan and lease losses$-22,0008,762
Total noninterest income$1,0008,826
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$07,845
Trading account gains and fees$0115
Additional Noninterest Income$1,0008,675
Total noninterest expense$68,0008,866
Salaries and employee benefits$45,0008,810
Premises and equipment expense$5,0008,804
Additional noninterest expense$18,0008,845
Pre-tax net operating income$46,0007,942
Securities gains (losses)$01,685
Applicable income taxes$5,0006,381
Income before extraordinary items$41,0007,917
Extraordinary gains, net$024
Net income$41,0007,917
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,0008,351
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$41,0007,887
2004-12-31 (YTD Data)Rank
Total interest income$605,0008,698
Total interest expense$227,0008,376
Net interest income$378,0008,749
Provision for loan and lease losses$07,314
Total noninterest income$3,0008,883
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$07,912
Trading account gains and fees$0138
Additional Noninterest Income$3,0008,748
Total noninterest expense$294,0008,891
Salaries and employee benefits$189,0008,825
Premises and equipment expense$24,0008,844
Additional noninterest expense$81,0008,876
Pre-tax net operating income$87,0008,150
Securities gains (losses)$03,819
Applicable income taxes$25,0006,445
Income before extraordinary items$62,0008,238
Extraordinary gains, net$034
Net income$62,0008,238
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,973
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$62,0008,193
2004-09-30 (YTD Data)Rank
Total interest income$451,0008,757
Total interest expense$171,0008,410
Net interest income$280,0008,809
Provision for loan and lease losses$07,100
Total noninterest income$3,0008,948
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$07,933
Trading account gains and fees$0134
Additional Noninterest Income$3,0008,783
Total noninterest expense$229,0008,917
Salaries and employee benefits$137,0008,878
Premises and equipment expense$18,0008,883
Additional noninterest expense$74,0008,852
Pre-tax net operating income$54,0008,293
Securities gains (losses)$03,710
Applicable income taxes$07,220
Income before extraordinary items$54,0008,301
Extraordinary gains, net$026
Net income$54,0008,303
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$54,0008,263
2004-06-30 (YTD Data)Rank
Total interest income$292,0008,835
Total interest expense$116,0008,455
Net interest income$176,0008,884
Provision for loan and lease losses$06,885
Total noninterest income$2,0009,001
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$07,979
Trading account gains and fees$0130
Additional Noninterest Income$2,0008,825
Total noninterest expense$138,0008,999
Salaries and employee benefits$91,0008,935
Premises and equipment expense$12,0008,933
Additional noninterest expense$35,0008,993
Pre-tax net operating income$40,0008,299
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$40,0008,315
Extraordinary gains, net$021
Net income$40,0008,318
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$40,0008,253
2004-03-31 (YTD Data)Rank
Total interest income$147,0008,874
Total interest expense$60,0008,485
Net interest income$87,0008,935
Provision for loan and lease losses$06,501
Total noninterest income$2,0009,001
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$07,976
Trading account gains and fees$0121
Additional Noninterest Income$2,0008,709
Total noninterest expense$72,0009,030
Salaries and employee benefits$49,0008,958
Premises and equipment expense$6,0008,944
Additional noninterest expense$17,0009,037
Pre-tax net operating income$17,0008,350
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$17,0008,378
Extraordinary gains, net$016
Net income$17,0008,379
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$17,0008,310
2003-12-31 (YTD Data)Rank
Total interest income$607,0008,888
Total interest expense$252,0008,603
Net interest income$355,0008,949
Provision for loan and lease losses$9,0007,413
Total noninterest income$-5,0009,163
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$08,063
Trading account gains and fees$0160
Additional Noninterest Income$-5,0009,120
Total noninterest expense$264,0009,096
Salaries and employee benefits$168,0009,046
Premises and equipment expense$22,0009,060
Additional noninterest expense$74,0009,079
Pre-tax net operating income$77,0008,286
Securities gains (losses)$10,0003,613
Applicable income taxes$14,0006,930
Income before extraordinary items$73,0008,364
Extraordinary gains, net$054
Net income$73,0008,368
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0006,674
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$64,6008,303
2003-09-30 (YTD Data)Rank
Total interest income$484,0008,954
Total interest expense$188,0008,716
Net interest income$296,0008,989
Provision for loan and lease losses$9,0007,157
Total noninterest income$2,0009,164
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$08,111
Trading account gains and fees$0153
Additional Noninterest Income$2,0009,035
Total noninterest expense$221,0009,133
Salaries and employee benefits$126,0009,099
Premises and equipment expense$18,0009,092
Additional noninterest expense$77,0009,039
Pre-tax net operating income$68,0008,379
Securities gains (losses)$10,0003,326
Applicable income taxes$5,0007,232
Income before extraordinary items$73,0008,401
Extraordinary gains, net$040
Net income$73,0008,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0006,047
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$63,6008,337
2003-06-30 (YTD Data)Rank
Total interest income$315,0009,005
Total interest expense$126,0008,778
Net interest income$189,0009,041
Provision for loan and lease losses$6,0007,004
Total noninterest income$09,217
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$08,133
Trading account gains and fees$0150
Additional Noninterest Income$09,111
Total noninterest expense$133,0009,182
Salaries and employee benefits$82,0009,141
Premises and equipment expense$11,0009,127
Additional noninterest expense$40,0009,131
Pre-tax net operating income$50,0008,363
Securities gains (losses)$10,0002,948
Applicable income taxes$5,0007,181
Income before extraordinary items$55,0008,374
Extraordinary gains, net$030
Net income$55,0008,375
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0005,353
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$45,8008,334
2003-03-31 (YTD Data)Rank
Total interest income$151,0009,077
Total interest expense$65,0008,834
Net interest income$86,0009,125
Provision for loan and lease losses$3,0006,662
Total noninterest income$09,248
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$08,142
Trading account gains and fees$0134
Additional Noninterest Income$09,145
Total noninterest expense$69,0009,224
Salaries and employee benefits$43,0009,175
Premises and equipment expense$6,0009,130
Additional noninterest expense$20,0009,182
Pre-tax net operating income$14,0008,532
Securities gains (losses)$02,891
Applicable income taxes$4,0006,977
Income before extraordinary items$10,0008,634
Extraordinary gains, net$021
Net income$10,0008,631
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0004,508
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$10,0008,528
2002-12-31 (YTD Data)Rank
Total interest income$630,0009,096
Total interest expense$285,0008,922
Net interest income$345,0009,141
Provision for loan and lease losses$13,0007,714
Total noninterest income$16,0009,190
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$08,205
Trading account gains and fees$0153
Additional Noninterest Income$16,0008,678
Total noninterest expense$255,0009,275
Salaries and employee benefits$163,0009,211
Premises and equipment expense$21,0009,232
Additional noninterest expense$71,0009,249
Pre-tax net operating income$93,0008,332
Securities gains (losses)$04,537
Applicable income taxes$25,0006,930
Income before extraordinary items$68,0008,474
Extraordinary gains, net$070
Net income$68,0008,474
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,133
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$68,0008,383
2001-12-31 (YTD Data)Rank
Total interest income$627,0009,367
Total interest expense$330,0009,253
Net interest income$297,0009,416
Provision for loan and lease losses$28,0007,315
Total noninterest income$25,0009,386
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$08,399
Trading account gains and fees$0177
Additional Noninterest Income$25,0008,525
Total noninterest expense$252,0009,531
Salaries and employee benefits$159,0009,473
Premises and equipment expense$09,580
Additional noninterest expense$93,0009,418
Pre-tax net operating income$42,0008,568
Securities gains (losses)$04,612
Applicable income taxes$9,0007,619
Income before extraordinary items$33,0008,681
Extraordinary gains, net$0105
Net income$33,0008,680
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0005,919
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$33,0008,591
2000-12-31 (YTD Data)Rank
Total interest income$612,0009,636
Total interest expense$335,0009,505
Net interest income$277,0009,723
Provision for loan and lease losses$20,0007,595
Total noninterest income$11,0009,736
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0008,577
Trading account gains and feesNANA
Additional Noninterest Income$10,0009,421
Total noninterest expense$234,0009,814
Salaries and employee benefits$154,0009,741
Premises and equipment expense$6,0009,850
Additional noninterest expense$74,0009,766
Pre-tax net operating income$34,0009,007
Securities gains (losses)$01,956
Applicable income taxes$11,0008,049
Income before extraordinary items$23,0009,061
Extraordinary gains, net$038
Net income$23,0009,059
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0005,922
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$23,0009,045
1999-12-31 (YTD Data)Rank
Total interest income$600,0009,913
Total interest expense$325,0009,767
Net interest income$275,0009,995
Provision for loan and lease losses$36,0006,998
Total noninterest income$10,00010,052
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$08,885
Trading account gains and feesNANA
Additional Noninterest Income$10,0009,728
Total noninterest expense$216,00010,134
Salaries and employee benefits$141,00010,064
Premises and equipment expense$21,00010,076
Additional noninterest expense$54,00010,143
Pre-tax net operating income$33,0009,296
Securities gains (losses)$03,155
Applicable income taxes$9,0008,512
Income before extraordinary items$24,0009,353
Extraordinary gains, net$035
Net income$24,0009,347
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,179
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$24,0009,321
1998-12-31 (YTD Data)Rank
Total interest income$564,00010,183
Total interest expense$317,00010,028
Net interest income$247,00010,259
Provision for loan and lease losses$41,0006,908
Total noninterest income$11,00010,289
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,085
Trading account gains and feesNANA
Additional Noninterest Income$11,0009,931
Total noninterest expense$192,00010,385
Salaries and employee benefits$126,00010,327
Premises and equipment expense$13,00010,375
Additional noninterest expense$53,00010,374
Pre-tax net operating income$25,0009,701
Securities gains (losses)$04,449
Applicable income taxes$6,0009,185
Income before extraordinary items$19,0009,761
Extraordinary gains, net$032
Net income$19,0009,759
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0005,584
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$19,0009,705

* 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.