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Professional Business Bank, Income and Expense

2012-03-31 (YTD Data)Rank
Total interest income$2,608,0002,557
Total interest expense$124,0005,461
Net interest income$2,484,0002,204
Provision for loan and lease losses$-415,0007,262
Total noninterest income$382,0002,549
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$106,0002,801
Trading account gains and fees$0148
Additional Noninterest Income$276,0002,216
Total noninterest expense$4,358,0001,146
Salaries and employee benefits$2,287,0001,140
Premises and equipment expense$298,0001,985
Additional noninterest expense$1,773,000958
Pre-tax net operating income$-1,077,0007,165
Securities gains (losses)$528,000260
Applicable income taxes$04,704
Income before extraordinary items$-549,0007,086
Extraordinary gains, net$019
Net income$-549,0007,085
Minority interest net income$078
Net income of bank and minority interests.$-549,0007,086
Net charge-offs$28,0003,468
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$33,000395
Net operating income$-1,077,0007,168
2011-12-31 (YTD Data)Rank
Total interest income$15,908,0001,770
Total interest expense$800,0004,920
Net interest income$15,108,0001,468
Provision for loan and lease losses$2,717,0001,280
Total noninterest income$2,257,0001,839
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$615,0002,200
Trading account gains and fees$0146
Additional Noninterest Income$1,642,0001,544
Total noninterest expense$14,661,0001,335
Salaries and employee benefits$6,772,0001,460
Premises and equipment expense$1,389,0001,786
Additional noninterest expense$6,500,0001,076
Pre-tax net operating income$-13,0006,039
Securities gains (losses)$03,838
Applicable income taxes$202,0002,894
Income before extraordinary items$-215,0006,342
Extraordinary gains, net$029
Net income$-215,0006,345
Minority interest net income$096
Net income of bank and minority interests.$-215,0006,345
Net charge-offs$1,540,0001,834
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$100,000666
Net operating income$-215,0006,284
2011-09-30 (YTD Data)Rank
Total interest income$12,367,0001,738
Total interest expense$659,0004,835
Net interest income$11,708,0001,436
Provision for loan and lease losses$1,522,0001,500
Total noninterest income$840,0002,917
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$470,0002,179
Trading account gains and fees$0145
Additional Noninterest Income$370,0003,161
Total noninterest expense$11,527,0001,285
Salaries and employee benefits$5,430,0001,376
Premises and equipment expense$1,085,0001,740
Additional noninterest expense$5,012,0001,051
Pre-tax net operating income$-501,0006,608
Securities gains (losses)$03,555
Applicable income taxes$-7,0006,766
Income before extraordinary items$-494,0006,687
Extraordinary gains, net$021
Net income$-494,0006,688
Minority interest net income$087
Net income of bank and minority interests.$-494,0006,688
Net charge-offs$137,0004,108
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$64,000655
Net operating income$-494,0006,635
2011-06-30 (YTD Data)Rank
Total interest income$8,809,0001,646
Total interest expense$493,0004,670
Net interest income$8,316,0001,334
Provision for loan and lease losses$57,0005,032
Total noninterest income$515,0003,066
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$326,0002,090
Trading account gains and fees$0153
Additional Noninterest Income$189,0003,586
Total noninterest expense$8,328,0001,198
Salaries and employee benefits$3,888,0001,284
Premises and equipment expense$740,0001,712
Additional noninterest expense$3,700,000984
Pre-tax net operating income$446,0004,016
Securities gains (losses)$02,914
Applicable income taxes$-27,0006,961
Income before extraordinary items$473,0003,693
Extraordinary gains, net$015
Net income$473,0003,693
Minority interest net income$089
Net income of bank and minority interests.$473,0003,694
Net charge-offs$-168,0007,430
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$43,000581
Net operating income$473,0003,583
2011-03-31 (YTD Data)Rank
Total interest income$3,369,0002,122
Total interest expense$262,0004,622
Net interest income$3,107,0001,798
Provision for loan and lease losses$232,0002,236
Total noninterest income$279,0002,947
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$174,0001,953
Trading account gains and fees$0158
Additional Noninterest Income$105,0003,488
Total noninterest expense$3,722,0001,336
Salaries and employee benefits$1,867,0001,353
Premises and equipment expense$416,0001,543
Additional noninterest expense$1,439,0001,236
Pre-tax net operating income$-568,0007,118
Securities gains (losses)$01,772
Applicable income taxes$04,545
Income before extraordinary items$-568,0007,159
Extraordinary gains, net$09
Net income$-568,0007,160
Minority interest net income$086
Net income of bank and minority interests.$-568,0007,160
Net charge-offs$4,0004,727
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$16,000601
Net operating income$-568,0007,152
2010-12-31 (YTD Data)Rank
Total interest income$2,085,0006,672
Total interest expense$619,0006,189
Net interest income$1,466,0006,745
Provision for loan and lease losses$904,0003,205
Total noninterest income$3,754,0001,325
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$22,0006,598
Trading account gains and fees$0175
Additional Noninterest Income$3,732,000911
Total noninterest expense$4,305,0004,012
Salaries and employee benefits$2,168,0004,002
Premises and equipment expense$427,0004,590
Additional noninterest expense$1,710,0003,664
Pre-tax net operating income$11,0005,738
Securities gains (losses)$03,793
Applicable income taxes$1,0004,548
Income before extraordinary items$10,0005,929
Extraordinary gains, net$029
Net income$10,0005,929
Minority interest net income$0111
Net income of bank and minority interests.$10,0005,929
Net charge-offs$-20,0007,503
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$18,703,00049
Net operating income$10,0005,791
2010-09-30 (YTD Data)Rank
Total interest income$1,468,0006,851
Total interest expense$479,0006,276
Net interest income$989,0006,970
Provision for loan and lease losses$901,0002,661
Total noninterest income$20,0007,321
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$15,0006,717
Trading account gains and fees$0165
Additional Noninterest Income$5,0007,023
Total noninterest expense$2,840,0004,381
Salaries and employee benefits$1,644,0004,007
Premises and equipment expense$323,0004,642
Additional noninterest expense$873,0004,677
Pre-tax net operating income$-2,732,0007,170
Securities gains (losses)$03,651
Applicable income taxes$1,0004,603
Income before extraordinary items$-2,733,0007,244
Extraordinary gains, net$023
Net income$-2,733,0007,244
Minority interest net income$0110
Net income of bank and minority interests.$-2,733,0007,244
Net charge-offs$-20,0007,554
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$50,000820
Net operating income$-2,733,0007,214
2010-06-30 (YTD Data)Rank
Total interest income$863,0007,081
Total interest expense$316,0006,395
Net interest income$547,0007,229
Provision for loan and lease losses$874,0002,093
Total noninterest income$13,0007,402
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$10,0006,763
Trading account gains and fees$0152
Additional Noninterest Income$3,0007,111
Total noninterest expense$2,055,0004,159
Salaries and employee benefits$1,305,0003,523
Premises and equipment expense$215,0004,668
Additional noninterest expense$535,0004,898
Pre-tax net operating income$-2,369,0007,333
Securities gains (losses)$03,184
Applicable income taxes$1,0004,552
Income before extraordinary items$-2,370,0007,388
Extraordinary gains, net$019
Net income$-2,370,0007,388
Minority interest net income$0105
Net income of bank and minority interests.$-2,370,0007,388
Net charge-offs$-20,0007,591
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$37,000739
Net operating income$-2,370,0007,378
2010-03-31 (YTD Data)Rank
Total interest income$402,0007,252
Total interest expense$157,0006,526
Net interest income$245,0007,420
Provision for loan and lease losses$772,0001,370
Total noninterest income$7,0007,507
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$5,0006,829
Trading account gains and fees$0175
Additional Noninterest Income$2,0007,254
Total noninterest expense$991,0004,304
Salaries and employee benefits$553,0004,055
Premises and equipment expense$108,0004,747
Additional noninterest expense$330,0004,329
Pre-tax net operating income$-1,511,0007,524
Securities gains (losses)$02,284
Applicable income taxes$04,611
Income before extraordinary items$-1,511,0007,574
Extraordinary gains, net$016
Net income$-1,511,0007,575
Minority interest net income$091
Net income of bank and minority interests.$-1,511,0007,575
Net charge-offs$-20,0007,646
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$18,000685
Net operating income$-1,511,0007,572
2009-12-31 (YTD Data)Rank
Total interest income$523,0007,901
Total interest expense$181,0007,804
Net interest income$342,0007,906
Provision for loan and lease losses$274,0005,412
Total noninterest income$14,0007,623
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$4,0007,067
Trading account gains and fees$0211
Additional Noninterest Income$10,0007,185
Total noninterest expense$4,902,0003,750
Salaries and employee benefits$2,511,0003,671
Premises and equipment expense$867,0002,917
Additional noninterest expense$1,524,0004,034
Pre-tax net operating income$-4,820,0007,168
Securities gains (losses)$12,0003,205
Applicable income taxes$3,0004,116
Income before extraordinary items$-4,811,0007,241
Extraordinary gains, net$034
Net income$-4,811,0007,241
Minority interest net income$0115
Net income of bank and minority interests.$-4,811,0007,241
Net charge-offs$20,0006,658
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$20,561,00041
Net operating income$-4,823,0007,266
2009-09-30 (YTD Data)Rank
Total interest income$254,0008,039
Total interest expense$109,0007,946
Net interest income$145,0008,043
Provision for loan and lease losses$153,0005,484
Total noninterest income$8,0007,775
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$1,0007,158
Trading account gains and fees$0212
Additional Noninterest Income$7,0007,377
Total noninterest expense$4,168,0003,393
Salaries and employee benefits$2,064,0003,456
Premises and equipment expense$762,0002,571
Additional noninterest expense$1,342,0003,569
Pre-tax net operating income$-4,168,0007,428
Securities gains (losses)$12,0002,919
Applicable income taxes$3,0004,321
Income before extraordinary items$-4,159,0007,502
Extraordinary gains, net$027
Net income$-4,159,0007,502
Minority interest net income$0118
Net income of bank and minority interests.$-4,159,0007,502
Net charge-offs$06,987
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$20,543,00033
Net operating income$-4,171,0007,511
2009-06-30 (YTD Data)Rank
Total interest income$93,0008,152
Total interest expense$65,0008,058
Net interest income$28,0008,159
Provision for loan and lease losses$39,0006,287
Total noninterest income$11,0007,802
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$07,241
Trading account gains and fees$0193
Additional Noninterest Income$11,0007,209
Total noninterest expense$3,427,0002,869
Salaries and employee benefits$1,593,0003,081
Premises and equipment expense$660,0002,071
Additional noninterest expense$1,174,0002,886
Pre-tax net operating income$-3,427,0007,607
Securities gains (losses)$12,0002,527
Applicable income taxes$3,0004,355
Income before extraordinary items$-3,418,0007,670
Extraordinary gains, net$021
Net income$-3,418,0007,669
Minority interest net income$0112
Net income of bank and minority interests.$-3,418,0007,669
Net charge-offs$06,628
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$20,524,00024
Net operating income$-3,430,0007,682
2009-03-31 (YTD Data)Rank
Total interest income$48,0008,206
Total interest expense$42,0008,071
Net interest income$6,0008,222
Provision for loan and lease losses$06,744
Total noninterest income$2,0007,985
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$07,262
Trading account gains and fees$0171
Additional Noninterest Income$2,0007,617
Total noninterest expense$2,707,0001,835
Salaries and employee benefits$1,171,0002,178
Premises and equipment expense$538,0001,330
Additional noninterest expense$998,0001,619
Pre-tax net operating income$-2,699,0007,920
Securities gains (losses)$12,0001,860
Applicable income taxes$2,0004,551
Income before extraordinary items$-2,689,0007,959
Extraordinary gains, net$015
Net income$-2,689,0007,960
Minority interest net income$0102
Net income of bank and minority interests.$-2,689,0007,960
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$20,506,00013
Net operating income$-2,701,0007,963

* 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.