Home > Associated Card Services Bank > Income and Expense
Associated Card Services Bank, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $64,000 | 9,221 |
| Total interest expense | $0 | 9,250 |
| Net interest income | $64,000 | 9,202 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $9,159,000 | 448 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,000 | 8,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $9,157,000 | 333 |
| Total noninterest expense | $6,084,000 | 1,346 |
| Salaries and employee benefits | $763,000 | 4,788 |
| Premises and equipment expense | $56,000 | 7,921 |
| Additional noninterest expense | $5,265,000 | 544 |
| Pre-tax net operating income | $3,139,000 | 1,367 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,199,000 | 1,181 |
| Income before extraordinary items | $1,940,000 | 1,672 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,940,000 | 1,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,940,000 | 1,561 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $44,000 | 9,249 |
| Total interest expense | $0 | 9,288 |
| Net interest income | $44,000 | 9,221 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $5,643,000 | 391 |
| 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 | $5,643,000 | 292 |
| Total noninterest expense | $4,321,000 | 946 |
| Salaries and employee benefits | $417,000 | 4,495 |
| Premises and equipment expense | $28,000 | 7,948 |
| Additional noninterest expense | $3,876,000 | 409 |
| Pre-tax net operating income | $1,366,000 | 1,540 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $533,000 | 1,293 |
| Income before extraordinary items | $833,000 | 1,900 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $833,000 | 1,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $833,000 | 1,794 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $137,000 | 9,293 |
| Total interest expense | $30,000 | 9,262 |
| Net interest income | $107,000 | 9,289 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $22,409,000 | 375 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,000 | 8,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,408,000 | 278 |
| Total noninterest expense | $17,404,000 | 899 |
| Salaries and employee benefits | $1,575,000 | 4,503 |
| Premises and equipment expense | $114,000 | 7,964 |
| Additional noninterest expense | $15,715,000 | 410 |
| Pre-tax net operating income | $5,112,000 | 1,597 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,868,000 | 1,364 |
| Income before extraordinary items | $3,244,000 | 1,846 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,244,000 | 1,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $5,000,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,244,000 | 1,779 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $349,000 | 9,487 |
| Total interest expense | $2,000 | 9,586 |
| Net interest income | $347,000 | 9,370 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $20,843,000 | 381 |
| 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 | $20,843,000 | 285 |
| Total noninterest expense | $15,517,000 | 954 |
| Salaries and employee benefits | $1,368,000 | 4,837 |
| Premises and equipment expense | $111,000 | 8,127 |
| Additional noninterest expense | $14,038,000 | 457 |
| Pre-tax net operating income | $5,673,000 | 1,303 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,094,000 | 1,134 |
| Income before extraordinary items | $3,579,000 | 1,502 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,579,000 | 1,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,579,000 | 1,441 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $271,000 | 9,797 |
| Total interest expense | $155,000 | 9,705 |
| Net interest income | $116,000 | 9,836 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $19,244,000 | 382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,242,000 | 299 |
| Total noninterest expense | $15,776,000 | 899 |
| Salaries and employee benefits | $1,541,000 | 4,268 |
| Premises and equipment expense | $189,000 | 6,930 |
| Additional noninterest expense | $14,046,000 | 460 |
| Pre-tax net operating income | $3,584,000 | 2,036 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,441,000 | 1,569 |
| Income before extraordinary items | $2,143,000 | 2,388 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,143,000 | 2,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,143,000 | 2,393 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $558,000 | 9,935 |
| Total interest expense | $666,000 | 9,023 |
| Net interest income | $-108,000 | 10,220 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $17,256,000 | 441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,256,000 | 330 |
| Total noninterest expense | $17,431,000 | 839 |
| Salaries and employee benefits | $1,378,000 | 4,646 |
| Premises and equipment expense | $193,000 | 6,926 |
| Additional noninterest expense | $15,860,000 | 428 |
| Pre-tax net operating income | $-283,000 | 9,699 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-112,000 | 9,937 |
| Income before extraordinary items | $-171,000 | 9,652 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-171,000 | 9,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-171,000 | 9,627 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,096,000 | 2,484 |
| Total interest expense | $6,642,000 | 2,279 |
| Net interest income | $6,454,000 | 2,654 |
| Provision for loan and lease losses | $4,795,000 | 334 |
| Total noninterest income | $9,071,000 | 638 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $9,071,000 | 463 |
| Total noninterest expense | $10,586,000 | 1,253 |
| Salaries and employee benefits | $1,117,000 | 5,344 |
| Premises and equipment expense | $28,000 | 10,205 |
| Additional noninterest expense | $9,441,000 | 613 |
| Pre-tax net operating income | $144,000 | 9,203 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $58,000 | 8,195 |
| Income before extraordinary items | $86,000 | 9,433 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $86,000 | 9,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,113,000 | 277 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $86,000 | 9,371 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $28,349,000 | 1,183 |
| Total interest expense | $10,037,000 | 1,541 |
| Net interest income | $18,312,000 | 978 |
| Provision for loan and lease losses | $11,474,000 | 193 |
| Total noninterest income | $1,192,000 | 2,644 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,192,000 | 1,564 |
| Total noninterest expense | $12,094,000 | 1,100 |
| Salaries and employee benefits | $972,000 | 5,962 |
| Premises and equipment expense | $61,000 | 9,927 |
| Additional noninterest expense | $11,061,000 | 536 |
| Pre-tax net operating income | $-4,064,000 | 10,920 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-1,359,000 | 10,893 |
| Income before extraordinary items | $-2,705,000 | 10,896 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-2,705,000 | 10,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,998,000 | 235 |
| Cash dividends | $7,300,000 | 468 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-2,705,000 | 10,890 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,257,000 | 2,517 |
| Total interest expense | $4,558,000 | 3,286 |
| Net interest income | $8,699,000 | 2,058 |
| Provision for loan and lease losses | $2,920,000 | 467 |
| Total noninterest income | $11,650,000 | 537 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $11,650,000 | 392 |
| Total noninterest expense | $5,212,000 | 2,611 |
| Salaries and employee benefits | $441,000 | 9,320 |
| Premises and equipment expense | $28,000 | 11,176 |
| Additional noninterest expense | $4,743,000 | 1,182 |
| Pre-tax net operating income | $12,217,000 | 666 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $4,903,000 | 598 |
| Income before extraordinary items | $7,314,000 | 747 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $7,314,000 | 747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,943,000 | 457 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $27,000,000 | 23 |
| Net operating income | $7,314,000 | 731 |
* 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.