Home > Berean Bank > Income and Expense
Berean Bank, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $716,000 | 6,843 |
| Total interest expense | $305,000 | 5,891 |
| Net interest income | $411,000 | 7,212 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $47,000 | 7,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $47,000 | 5,386 |
| Total noninterest expense | $440,000 | 6,425 |
| Salaries and employee benefits | $133,000 | 7,988 |
| Premises and equipment expense | $159,000 | 3,329 |
| Additional noninterest expense | $148,000 | 5,988 |
| Pre-tax net operating income | $18,000 | 8,479 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $18,000 | 8,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $18,000 | 8,507 |
| 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 | $18,000 | 8,395 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 6,761 |
| Total interest expense | $1,706,000 | 5,315 |
| Net interest income | $1,390,000 | 7,609 |
| Provision for loan and lease losses | $-13,000 | 9,188 |
| Total noninterest income | $401,000 | 5,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $401,000 | 3,694 |
| Total noninterest expense | $2,235,000 | 5,481 |
| Salaries and employee benefits | $702,000 | 7,259 |
| Premises and equipment expense | $505,000 | 3,917 |
| Additional noninterest expense | $1,028,000 | 4,090 |
| Pre-tax net operating income | $-431,000 | 8,949 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $5,000 | 7,446 |
| Income before extraordinary items | $-436,000 | 9,021 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-436,000 | 9,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,128 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-436,000 | 8,972 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,282,000 | 6,945 |
| Total interest expense | $1,907,000 | 6,251 |
| Net interest income | $1,375,000 | 7,559 |
| Provision for loan and lease losses | $227,000 | 3,864 |
| Total noninterest income | $342,000 | 6,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $342,000 | 3,850 |
| Total noninterest expense | $2,743,000 | 4,642 |
| Salaries and employee benefits | $965,000 | 6,116 |
| Premises and equipment expense | $795,000 | 2,648 |
| Additional noninterest expense | $983,000 | 4,125 |
| Pre-tax net operating income | $-1,253,000 | 9,419 |
| Securities gains (losses) | $712,000 | 496 |
| Applicable income taxes | $53,000 | 6,661 |
| Income before extraordinary items | $-594,000 | 9,278 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-594,000 | 9,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,944 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,306,000 | 9,439 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 6,798 |
| Total interest expense | $1,875,000 | 6,468 |
| Net interest income | $1,753,000 | 7,000 |
| Provision for loan and lease losses | $58,000 | 6,353 |
| Total noninterest income | $295,000 | 6,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $295,000 | 3,960 |
| Total noninterest expense | $2,144,000 | 5,427 |
| Salaries and employee benefits | $973,000 | 6,033 |
| Premises and equipment expense | $668,000 | 2,989 |
| Additional noninterest expense | $503,000 | 6,410 |
| Pre-tax net operating income | $-154,000 | 9,301 |
| Securities gains (losses) | $296,000 | 345 |
| Applicable income taxes | $67,000 | 6,976 |
| Income before extraordinary items | $75,000 | 8,858 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $75,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,466 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-114,440 | 9,284 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 6,546 |
| Total interest expense | $1,878,000 | 6,211 |
| Net interest income | $1,898,000 | 6,828 |
| Provision for loan and lease losses | $-1,000 | 9,950 |
| Total noninterest income | $242,000 | 7,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $242,000 | 4,505 |
| Total noninterest expense | $2,128,000 | 5,439 |
| Salaries and employee benefits | $994,000 | 5,908 |
| Premises and equipment expense | $618,000 | 3,171 |
| Additional noninterest expense | $516,000 | 6,393 |
| Pre-tax net operating income | $13,000 | 9,360 |
| Securities gains (losses) | $374,000 | 405 |
| Applicable income taxes | $148,000 | 6,305 |
| Income before extraordinary items | $239,000 | 8,010 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $239,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,073 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-360 | 9,418 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,537,000 | 6,908 |
| Total interest expense | $1,718,000 | 6,729 |
| Net interest income | $1,819,000 | 7,010 |
| Provision for loan and lease losses | $19,000 | 7,809 |
| Total noninterest income | $376,000 | 5,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $376,000 | 3,556 |
| Total noninterest expense | $2,053,000 | 5,502 |
| Salaries and employee benefits | $982,000 | 5,849 |
| Premises and equipment expense | $577,000 | 3,284 |
| Additional noninterest expense | $494,000 | 6,485 |
| Pre-tax net operating income | $123,000 | 9,315 |
| Securities gains (losses) | $79,000 | 1,432 |
| Applicable income taxes | $48,000 | 8,366 |
| Income before extraordinary items | $154,000 | 8,951 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $154,000 | 8,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,715 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $93,960 | 9,320 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,261,000 | 7,437 |
| Total interest expense | $1,535,000 | 7,262 |
| Net interest income | $1,726,000 | 7,491 |
| Provision for loan and lease losses | $63,000 | 6,100 |
| Total noninterest income | $378,000 | 5,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $378,000 | 3,411 |
| Total noninterest expense | $1,811,000 | 6,046 |
| Salaries and employee benefits | $882,000 | 6,386 |
| Premises and equipment expense | $578,000 | 3,257 |
| Additional noninterest expense | $351,000 | 7,797 |
| Pre-tax net operating income | $230,000 | 9,404 |
| Securities gains (losses) | $95,000 | 1,002 |
| Applicable income taxes | $54,000 | 9,200 |
| Income before extraordinary items | $271,000 | 8,592 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $271,000 | 8,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $192,150 | 9,187 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,231,000 | 7,688 |
| Total interest expense | $1,597,000 | 7,339 |
| Net interest income | $1,634,000 | 7,940 |
| Provision for loan and lease losses | $76,000 | 5,685 |
| Total noninterest income | $362,000 | 6,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $362,000 | 3,609 |
| Total noninterest expense | $2,094,000 | 5,744 |
| Salaries and employee benefits | $842,000 | 6,761 |
| Premises and equipment expense | $547,000 | 3,508 |
| Additional noninterest expense | $705,000 | 5,719 |
| Pre-tax net operating income | $-174,000 | 11,042 |
| Securities gains (losses) | $353,000 | 514 |
| Applicable income taxes | $25,000 | 10,115 |
| Income before extraordinary items | $154,000 | 9,753 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $154,000 | 9,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,679 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-149,580 | 11,019 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,764,000 | 8,542 |
| Total interest expense | $1,093,000 | 8,922 |
| Net interest income | $1,671,000 | 8,092 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $169,000 | 8,975 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $169,000 | 5,628 |
| Total noninterest expense | $1,658,000 | 6,827 |
| Salaries and employee benefits | $856,000 | 6,787 |
| Premises and equipment expense | $399,000 | 4,552 |
| Additional noninterest expense | $403,000 | 8,161 |
| Pre-tax net operating income | $182,000 | 10,574 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $95,000 | 9,268 |
| Income before extraordinary items | $87,000 | 11,041 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $87,000 | 11,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 11,634 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $87,000 | 11,019 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,622,000 | 8,691 |
| Total interest expense | $873,000 | 9,247 |
| Net interest income | $1,749,000 | 8,176 |
| Provision for loan and lease losses | $64,000 | 5,501 |
| Total noninterest income | $142,000 | 9,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $142,000 | 6,367 |
| Total noninterest expense | $1,294,000 | 8,268 |
| Salaries and employee benefits | $647,000 | 8,292 |
| Premises and equipment expense | $261,000 | 6,340 |
| Additional noninterest expense | $386,000 | 8,964 |
| Pre-tax net operating income | $533,000 | 8,436 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $74,000 | 9,948 |
| Income before extraordinary items | $459,000 | 7,624 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $459,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,265 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $459,000 | 7,675 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,699,000 | 8,824 |
| Total interest expense | $1,067,000 | 8,813 |
| Net interest income | $1,632,000 | 8,705 |
| Provision for loan and lease losses | $9,000 | 9,850 |
| Total noninterest income | $206,000 | 9,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $206,000 | 5,576 |
| Total noninterest expense | $1,132,000 | 9,195 |
| Salaries and employee benefits | $520,000 | 9,456 |
| Premises and equipment expense | $192,000 | 7,842 |
| Additional noninterest expense | $420,000 | 9,039 |
| Pre-tax net operating income | $697,000 | 7,384 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $168,000 | 8,248 |
| Income before extraordinary items | $529,000 | 7,311 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $529,000 | 7,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $529,000 | 7,056 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,873,000 | 9,202 |
| Total interest expense | $1,555,000 | 8,348 |
| Net interest income | $1,318,000 | 9,918 |
| Provision for loan and lease losses | $77,000 | 8,018 |
| Total noninterest income | $358,000 | 7,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $358,000 | 3,975 |
| Total noninterest expense | $1,406,000 | 8,268 |
| Salaries and employee benefits | $497,000 | 9,808 |
| Premises and equipment expense | $161,000 | 8,809 |
| Additional noninterest expense | $748,000 | 6,431 |
| Pre-tax net operating income | $193,000 | 11,136 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $13,000 | 12,284 |
| Income before extraordinary items | $180,000 | 10,869 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $180,000 | 10,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 7,168 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $180,000 | 10,537 |
* 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.