Home > Bank of Ephraim > Income and Expense

Bank of Ephraim, Income and Expense

2004-03-31 (YTD Data)Rank
Total interest income$739,0006,532
Total interest expense$162,0006,864
Net interest income$577,0006,270
Provision for loan and lease losses$160,0001,360
Total noninterest income$151,0004,759
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$139,0002,827
Trading account gains and fees$0121
Additional Noninterest Income$12,0007,544
Total noninterest expense$538,0005,804
Salaries and employee benefits$320,0005,527
Premises and equipment expense$54,0006,592
Additional noninterest expense$164,0005,716
Pre-tax net operating income$30,0008,189
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$30,0008,155
Extraordinary gains, net$016
Net income$30,0008,156
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$360,000536
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$30,0008,087
2003-12-31 (YTD Data)Rank
Total interest income$3,268,0006,238
Total interest expense$798,0006,716
Net interest income$2,470,0005,941
Provision for loan and lease losses$2,072,000631
Total noninterest income$514,0005,359
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$501,0003,086
Trading account gains and fees$0160
Additional Noninterest Income$13,0008,668
Total noninterest expense$2,233,0005,624
Salaries and employee benefits$1,320,0005,299
Premises and equipment expense$191,0006,893
Additional noninterest expense$722,0005,396
Pre-tax net operating income$-1,321,0009,024
Securities gains (losses)$04,500
Applicable income taxes$-543,0009,098
Income before extraordinary items$-778,0008,987
Extraordinary gains, net$054
Net income$-778,0008,987
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,011,000918
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-778,0008,936
2003-09-30 (YTD Data)Rank
Total interest income$2,497,0006,258
Total interest expense$618,0006,778
Net interest income$1,879,0005,925
Provision for loan and lease losses$1,789,000574
Total noninterest income$313,0005,934
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$362,0003,187
Trading account gains and fees$0153
Additional Noninterest Income$-49,0009,220
Total noninterest expense$1,663,0005,623
Salaries and employee benefits$980,0005,315
Premises and equipment expense$140,0006,961
Additional noninterest expense$543,0005,361
Pre-tax net operating income$-1,260,0009,112
Securities gains (losses)$04,204
Applicable income taxes$-515,0009,173
Income before extraordinary items$-745,0009,089
Extraordinary gains, net$040
Net income$-745,0009,087
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$476,0001,212
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$-745,0009,039
2003-06-30 (YTD Data)Rank
Total interest income$1,722,0006,201
Total interest expense$424,0006,820
Net interest income$1,298,0005,806
Provision for loan and lease losses$424,0001,327
Total noninterest income$244,0005,535
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$213,0003,472
Trading account gains and fees$0150
Additional Noninterest Income$31,0007,275
Total noninterest expense$1,120,0005,585
Salaries and employee benefits$643,0005,400
Premises and equipment expense$91,0007,004
Additional noninterest expense$386,0005,135
Pre-tax net operating income$-2,0008,682
Securities gains (losses)$03,782
Applicable income taxes$25,0006,463
Income before extraordinary items$-27,0008,828
Extraordinary gains, net$030
Net income$-27,0008,829
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$303,0001,247
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-27,0008,724
2003-03-31 (YTD Data)Rank
Total interest income$865,0006,220
Total interest expense$212,0006,915
Net interest income$653,0005,770
Provision for loan and lease losses$400,000718
Total noninterest income$115,0005,560
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$99,0003,577
Trading account gains and fees$0134
Additional Noninterest Income$16,0007,254
Total noninterest expense$558,0005,577
Salaries and employee benefits$324,0005,369
Premises and equipment expense$45,0007,066
Additional noninterest expense$189,0005,173
Pre-tax net operating income$-190,0009,078
Securities gains (losses)$02,891
Applicable income taxes$25,0005,890
Income before extraordinary items$-215,0009,146
Extraordinary gains, net$021
Net income$-215,0009,143
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0003,119
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-215,0009,085
2002-12-31 (YTD Data)Rank
Total interest income$3,611,0006,233
Total interest expense$999,0006,932
Net interest income$2,612,0005,766
Provision for loan and lease losses$685,0001,867
Total noninterest income$514,0005,139
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$471,0003,125
Trading account gains and fees$0153
Additional Noninterest Income$43,0007,790
Total noninterest expense$2,049,0005,797
Salaries and employee benefits$1,263,0005,289
Premises and equipment expense$156,0007,363
Additional noninterest expense$630,0005,761
Pre-tax net operating income$392,0007,197
Securities gains (losses)$04,537
Applicable income taxes$127,0005,721
Income before extraordinary items$265,0007,492
Extraordinary gains, net$070
Net income$265,0007,491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$575,0001,480
Cash dividends$80,0005,719
Sale, conversion, retirement of capital stock, net$0862
Net operating income$265,0007,397
2001-12-31 (YTD Data)Rank
Total interest income$3,624,0006,661
Total interest expense$1,340,0007,320
Net interest income$2,284,0006,014
Provision for loan and lease losses$418,0002,538
Total noninterest income$394,0005,720
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$427,0003,221
Trading account gains and fees$0177
Additional Noninterest Income$-33,0009,596
Total noninterest expense$1,744,0006,254
Salaries and employee benefits$1,001,0005,977
Premises and equipment expense$158,0007,401
Additional noninterest expense$585,0005,932
Pre-tax net operating income$516,0006,489
Securities gains (losses)$04,612
Applicable income taxes$124,0005,727
Income before extraordinary items$392,0006,617
Extraordinary gains, net$0105
Net income$392,0006,621
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0003,444
Cash dividends$100,0005,729
Sale, conversion, retirement of capital stock, net$0922
Net operating income$392,0006,489
2000-12-31 (YTD Data)Rank
Total interest income$3,178,0007,226
Total interest expense$1,230,0007,745
Net interest income$1,948,0006,634
Provision for loan and lease losses$1,029,0001,030
Total noninterest income$469,0005,081
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$326,0003,804
Trading account gains and feesNANA
Additional Noninterest Income$143,0005,596
Total noninterest expense$1,430,0006,935
Salaries and employee benefits$755,0006,944
Premises and equipment expense$99,0008,459
Additional noninterest expense$576,0005,926
Pre-tax net operating income$-42,0009,189
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-42,0009,201
Extraordinary gains, net$038
Net income$-42,0009,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$818,000863
Cash dividends$330,0004,304
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-42,0009,193
1999-12-31 (YTD Data)Rank
Total interest income$2,639,0007,758
Total interest expense$926,0008,374
Net interest income$1,713,0007,175
Provision for loan and lease losses$132,0004,547
Total noninterest income$344,0006,062
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$264,0004,365
Trading account gains and feesNANA
Additional Noninterest Income$80,0007,144
Total noninterest expense$1,326,0007,227
Salaries and employee benefits$705,0007,209
Premises and equipment expense$95,0008,719
Additional noninterest expense$526,0006,312
Pre-tax net operating income$599,0006,714
Securities gains (losses)$03,155
Applicable income taxes$233,0005,368
Income before extraordinary items$366,0007,184
Extraordinary gains, net$035
Net income$366,0007,186
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$132,0003,068
Cash dividends$130,0005,805
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$366,0007,160
1998-12-31 (YTD Data)Rank
Total interest income$2,471,0008,122
Total interest expense$847,0008,817
Net interest income$1,624,0007,427
Provision for loan and lease losses$184,0003,684
Total noninterest income$223,0007,296
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$139,0006,109
Trading account gains and feesNANA
Additional Noninterest Income$84,0007,070
Total noninterest expense$1,094,0007,840
Salaries and employee benefits$593,0007,794
Premises and equipment expense$83,0009,091
Additional noninterest expense$418,0007,071
Pre-tax net operating income$569,0007,062
Securities gains (losses)$04,449
Applicable income taxes$170,0006,583
Income before extraordinary items$399,0007,230
Extraordinary gains, net$032
Net income$399,0007,227
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$163,0002,780
Cash dividends$130,0005,965
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$399,0007,140
1997-12-31 (YTD Data)Rank
Total interest income$2,477,0008,407
Total interest expense$833,0009,153
Net interest income$1,644,0007,676
Provision for loan and lease losses$95,0005,292
Total noninterest income$190,0007,963
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$92,0007,377
Trading account gains and feesNANA
Additional Noninterest Income$98,0006,853
Total noninterest expense$1,068,0008,103
Salaries and employee benefits$559,0008,191
Premises and equipment expense$80,0009,436
Additional noninterest expense$429,0007,110
Pre-tax net operating income$671,0007,105
Securities gains (losses)$03,944
Applicable income taxes$273,0005,995
Income before extraordinary items$398,0007,656
Extraordinary gains, net$044
Net income$398,0007,659
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$90,0004,026
Cash dividends$105,0006,404
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$398,0007,596
1996-12-31 (YTD Data)Rank
Total interest income$2,342,0008,916
Total interest expense$811,0009,608
Net interest income$1,531,0008,191
Provision for loan and lease losses$112,0004,844
Total noninterest income$143,0009,119
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$75,0008,148
Trading account gains and feesNANA
Additional Noninterest Income$68,0008,163
Total noninterest expense$1,020,0008,608
Salaries and employee benefits$544,0008,540
Premises and equipment expense$90,0009,558
Additional noninterest expense$386,0008,000
Pre-tax net operating income$542,0007,717
Securities gains (losses)$04,148
Applicable income taxes$168,0007,615
Income before extraordinary items$374,0007,835
Extraordinary gains, net$053
Net income$374,0007,833
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$90,0004,131
Cash dividends$80,0007,029
Sale, conversion, retirement of capital stock, net$0953
Net operating income$374,0007,772
1995-12-31 (YTD Data)Rank
Total interest income$2,186,0009,445
Total interest expense$792,0009,978
Net interest income$1,394,0008,802
Provision for loan and lease losses$84,0004,983
Total noninterest income$138,0009,513
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$62,0008,863
Trading account gains and feesNANA
Additional Noninterest Income$76,0008,106
Total noninterest expense$999,0008,955
Salaries and employee benefits$494,0009,166
Premises and equipment expense$69,00010,506
Additional noninterest expense$436,0007,846
Pre-tax net operating income$449,0008,753
Securities gains (losses)$03,831
Applicable income taxes$75,0009,683
Income before extraordinary items$374,0008,286
Extraordinary gains, net$065
Net income$374,0008,287
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0004,152
Cash dividends$80,0007,161
Sale, conversion, retirement of capital stock, net$0809
Net operating income$374,0008,271
1994-12-31 (YTD Data)Rank
Total interest income$1,905,0009,979
Total interest expense$702,00010,080
Net interest income$1,203,0009,758
Provision for loan and lease losses$172,0003,335
Total noninterest income$100,00010,747
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$56,0009,478
Trading account gains and feesNANA
Additional Noninterest Income$44,0009,933
Total noninterest expense$909,0009,738
Salaries and employee benefits$470,0009,654
Premises and equipment expense$55,00011,452
Additional noninterest expense$384,0008,991
Pre-tax net operating income$222,00010,726
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$222,00010,014
Extraordinary gains, net$0249
Net income$222,00010,025
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0004,376
Cash dividends$80,0007,289
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$222,00010,075
1993-12-31 (YTD Data)Rank
Total interest income$1,787,00010,610
Total interest expense$718,00010,476
Net interest income$1,069,00010,529
Provision for loan and lease losses$109,0005,557
Total noninterest income$111,00011,057
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$48,00010,145
Trading account gains and feesNANA
Additional Noninterest Income$63,0009,389
Total noninterest expense$903,00010,182
Salaries and employee benefits$390,00010,741
Premises and equipment expense$56,00011,992
Additional noninterest expense$457,0008,650
Pre-tax net operating income$168,00011,331
Securities gains (losses)$07,477
Applicable income taxes$5,00011,956
Income before extraordinary items$163,00011,048
Extraordinary gains, net$03,149
Net income$163,00011,137
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0005,721
Cash dividends$80,0007,275
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$163,00010,839
1992-12-31 (YTD Data)Rank
Total interest income$1,831,00011,233
Total interest expense$791,00011,374
Net interest income$1,040,00010,937
Provision for loan and lease losses$178,0005,607
Total noninterest income$85,00012,134
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,00010,701
Trading account gains and feesNANA
Additional Noninterest Income$45,00010,722
Total noninterest expense$841,00010,801
Salaries and employee benefits$401,00010,848
Premises and equipment expense$46,00012,842
Additional noninterest expense$394,0009,629
Pre-tax net operating income$106,00011,961
Securities gains (losses)$08,369
Applicable income taxes$012,680
Income before extraordinary items$106,00011,864
Extraordinary gains, net$01,422
Net income$106,00011,937
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$228,0003,927
Cash dividends$80,0006,992
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$106,00011,566

* 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.