Home > Bank of Louisa > Income and Expense

Bank of Louisa, Income and Expense

2007-03-31 (YTD Data)Rank
Total interest income$617,0007,333
Total interest expense$231,0007,368
Net interest income$386,0007,180
Provision for loan and lease losses$21,0004,310
Total noninterest income$22,0007,786
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$14,0006,735
Trading account gains and fees$0195
Additional Noninterest Income$8,0007,599
Total noninterest expense$466,0006,455
Salaries and employee benefits$164,0007,449
Premises and equipment expense$59,0006,441
Additional noninterest expense$243,0004,627
Pre-tax net operating income$-79,0008,101
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-79,0008,129
Extraordinary gains, net$022
Net income$-79,0008,128
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$-79,0008,116
2006-12-31 (YTD Data)Rank
Total interest income$2,064,0007,486
Total interest expense$709,0007,498
Net interest income$1,355,0007,368
Provision for loan and lease losses$24,0006,182
Total noninterest income$236,0006,632
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$69,0006,601
Trading account gains and fees$0130
Additional Noninterest Income$167,0005,438
Total noninterest expense$1,457,0006,976
Salaries and employee benefits$656,0007,420
Premises and equipment expense$244,0006,271
Additional noninterest expense$557,0006,269
Pre-tax net operating income$110,0007,676
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$110,0007,633
Extraordinary gains, net$051
Net income$110,0007,635
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$110,0007,627
2006-09-30 (YTD Data)Rank
Total interest income$1,488,0007,603
Total interest expense$506,0007,573
Net interest income$982,0007,499
Provision for loan and lease losses$06,685
Total noninterest income$184,0006,620
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$55,0006,616
Trading account gains and fees$0126
Additional Noninterest Income$129,0005,401
Total noninterest expense$1,098,0006,966
Salaries and employee benefits$479,0007,467
Premises and equipment expense$179,0006,350
Additional noninterest expense$440,0006,136
Pre-tax net operating income$68,0007,911
Securities gains (losses)$01,388
Applicable income taxes$06,687
Income before extraordinary items$68,0007,877
Extraordinary gains, net$045
Net income$68,0007,879
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$68,0007,871
2006-06-30 (YTD Data)Rank
Total interest income$957,0007,670
Total interest expense$325,0007,600
Net interest income$632,0007,605
Provision for loan and lease losses$06,419
Total noninterest income$132,0006,475
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$36,0006,669
Trading account gains and fees$0126
Additional Noninterest Income$96,0005,214
Total noninterest expense$732,0006,999
Salaries and employee benefits$323,0007,486
Premises and equipment expense$119,0006,367
Additional noninterest expense$290,0006,171
Pre-tax net operating income$32,0008,038
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$32,0008,020
Extraordinary gains, net$039
Net income$32,0008,021
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$32,0008,018
2006-03-31 (YTD Data)Rank
Total interest income$453,0007,765
Total interest expense$153,0007,652
Net interest income$300,0007,704
Provision for loan and lease losses$06,013
Total noninterest income$24,0007,882
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$18,0006,650
Trading account gains and fees$0115
Additional Noninterest Income$6,0007,952
Total noninterest expense$358,0007,059
Salaries and employee benefits$162,0007,488
Premises and equipment expense$59,0006,404
Additional noninterest expense$137,0006,320
Pre-tax net operating income$-34,0008,341
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$-34,0008,352
Extraordinary gains, net$021
Net income$-34,0008,351
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$-34,0008,337
2005-12-31 (YTD Data)Rank
Total interest income$1,531,0007,872
Total interest expense$466,0007,726
Net interest income$1,065,0007,851
Provision for loan and lease losses$79,0005,150
Total noninterest income$63,0008,320
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$42,0007,197
Trading account gains and fees$0138
Additional Noninterest Income$21,0008,110
Total noninterest expense$1,433,0007,009
Salaries and employee benefits$586,0007,668
Premises and equipment expense$222,0006,506
Additional noninterest expense$625,0005,932
Pre-tax net operating income$-384,0008,464
Securities gains (losses)$02,296
Applicable income taxes$06,964
Income before extraordinary items$-384,0008,502
Extraordinary gains, net$046
Net income$-384,0008,502
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$1,000,000471
Net operating income$-384,0008,485
2005-09-30 (YTD Data)Rank
Total interest income$1,052,0008,012
Total interest expense$323,0007,794
Net interest income$729,0008,027
Provision for loan and lease losses$57,0005,034
Total noninterest income$45,0008,385
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$29,0007,291
Trading account gains and fees$0126
Additional Noninterest Income$16,0008,136
Total noninterest expense$1,036,0007,088
Salaries and employee benefits$409,0007,741
Premises and equipment expense$154,0006,648
Additional noninterest expense$473,0005,875
Pre-tax net operating income$-319,0008,537
Securities gains (losses)$02,317
Applicable income taxes$06,976
Income before extraordinary items$-319,0008,572
Extraordinary gains, net$035
Net income$-319,0008,572
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,144
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$1,000,000340
Net operating income$-319,0008,544
2005-06-30 (YTD Data)Rank
Total interest income$634,0008,156
Total interest expense$190,0007,892
Net interest income$444,0008,167
Provision for loan and lease losses$39,0004,905
Total noninterest income$30,0008,392
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$20,0007,275
Trading account gains and fees$0116
Additional Noninterest Income$10,0008,146
Total noninterest expense$702,0007,052
Salaries and employee benefits$269,0007,778
Premises and equipment expense$99,0006,728
Additional noninterest expense$334,0005,681
Pre-tax net operating income$-267,0008,592
Securities gains (losses)$02,146
Applicable income taxes$06,961
Income before extraordinary items$-267,0008,619
Extraordinary gains, net$030
Net income$-267,0008,619
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,660
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$-267,0008,595
2005-03-31 (YTD Data)Rank
Total interest income$285,0008,332
Total interest expense$85,0008,038
Net interest income$200,0008,349
Provision for loan and lease losses$9,0005,480
Total noninterest income$15,0008,445
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$10,0007,294
Trading account gains and fees$0115
Additional Noninterest Income$5,0008,232
Total noninterest expense$278,0007,606
Salaries and employee benefits$128,0007,913
Premises and equipment expense$24,0007,971
Additional noninterest expense$126,0006,535
Pre-tax net operating income$-72,0008,616
Securities gains (losses)$01,685
Applicable income taxes$06,892
Income before extraordinary items$-72,0008,629
Extraordinary gains, net$024
Net income$-72,0008,629
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,728
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$-72,0008,608
2004-12-31 (YTD Data)Rank
Total interest income$500,0008,758
Total interest expense$146,0008,621
Net interest income$354,0008,776
Provision for loan and lease losses$168,0004,049
Total noninterest income$22,0008,764
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$17,0007,698
Trading account gains and fees$0138
Additional Noninterest Income$5,0008,690
Total noninterest expense$1,011,0007,795
Salaries and employee benefits$483,0008,031
Premises and equipment expense$88,0008,110
Additional noninterest expense$440,0006,891
Pre-tax net operating income$-803,0008,758
Securities gains (losses)$03,819
Applicable income taxes$07,185
Income before extraordinary items$-803,0008,793
Extraordinary gains, net$034
Net income$-803,0008,794
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$5,000,000225
Net operating income$-803,0008,773
2004-09-30 (YTD Data)Rank
Total interest income$258,0008,892
Total interest expense$83,0008,767
Net interest income$175,0008,905
Provision for loan and lease losses$115,0004,038
Total noninterest income$12,0008,871
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$9,0007,795
Trading account gains and fees$0134
Additional Noninterest Income$3,0008,783
Total noninterest expense$966,0007,252
Salaries and employee benefits$322,0008,188
Premises and equipment expense$68,0008,081
Additional noninterest expense$576,0005,176
Pre-tax net operating income$-894,0008,880
Securities gains (losses)$03,710
Applicable income taxes$07,220
Income before extraordinary items$-894,0008,913
Extraordinary gains, net$026
Net income$-894,0008,914
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$5,000,000164
Net operating income$-894,0008,893
2004-06-30 (YTD Data)Rank
Total interest income$80,0009,014
Total interest expense$33,0008,920
Net interest income$47,0009,022
Provision for loan and lease losses$48,0004,777
Total noninterest income$4,0008,974
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$3,0007,913
Trading account gains and fees$0130
Additional Noninterest Income$1,0008,898
Total noninterest expense$714,0007,031
Salaries and employee benefits$204,0008,313
Premises and equipment expense$47,0008,072
Additional noninterest expense$463,0004,583
Pre-tax net operating income$-711,0008,963
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$-711,0008,978
Extraordinary gains, net$021
Net income$-711,0008,979
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$5,000,000107
Net operating income$-711,0008,960

* 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.