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Carson River Community Bank, Income and Expense

2009-12-31 (YTD Data)Rank
Total interest income$2,546,0006,658
Total interest expense$1,169,0005,715
Net interest income$1,377,0007,047
Provision for loan and lease losses$2,762,0002,082
Total noninterest income$41,0007,469
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$28,0006,793
Trading account gains and fees$0211
Additional Noninterest Income$13,0007,117
Total noninterest expense$3,395,0004,816
Salaries and employee benefits$1,047,0006,140
Premises and equipment expense$290,0005,726
Additional noninterest expense$2,058,0003,233
Pre-tax net operating income$-4,739,0007,160
Securities gains (losses)$5,0003,451
Applicable income taxes$04,388
Income before extraordinary items$-4,734,0007,236
Extraordinary gains, net$034
Net income$-4,734,0007,235
Minority interest net income$0115
Net income of bank and minority interests.$-4,734,0007,235
Net charge-offs$279,0004,590
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$68,000989
Net operating income$-4,739,0007,257
2009-09-30 (YTD Data)Rank
Total interest income$1,978,0006,668
Total interest expense$906,0005,792
Net interest income$1,072,0007,022
Provision for loan and lease losses$1,535,0002,180
Total noninterest income$30,0007,606
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$22,0006,824
Trading account gains and fees$0212
Additional Noninterest Income$8,0007,336
Total noninterest expense$2,039,0005,456
Salaries and employee benefits$801,0006,133
Premises and equipment expense$219,0005,760
Additional noninterest expense$1,019,0004,320
Pre-tax net operating income$-2,472,0007,176
Securities gains (losses)$5,0003,160
Applicable income taxes$04,592
Income before extraordinary items$-2,467,0007,289
Extraordinary gains, net$027
Net income$-2,467,0007,288
Minority interest net income$0118
Net income of bank and minority interests.$-2,467,0007,289
Net charge-offs$286,0003,777
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$39,000978
Net operating income$-2,472,0007,278
2009-06-30 (YTD Data)Rank
Total interest income$1,358,0006,670
Total interest expense$617,0005,859
Net interest income$741,0007,001
Provision for loan and lease losses$550,0002,834
Total noninterest income$16,0007,737
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$14,0006,894
Trading account gains and fees$0193
Additional Noninterest Income$2,0007,623
Total noninterest expense$1,342,0005,551
Salaries and employee benefits$544,0006,158
Premises and equipment expense$147,0005,794
Additional noninterest expense$651,0004,484
Pre-tax net operating income$-1,135,0007,082
Securities gains (losses)$5,0002,770
Applicable income taxes$04,657
Income before extraordinary items$-1,130,0007,192
Extraordinary gains, net$021
Net income$-1,130,0007,191
Minority interest net income$0112
Net income of bank and minority interests.$-1,130,0007,192
Net charge-offs$289,0002,980
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$28,000937
Net operating income$-1,135,0007,187
2009-03-31 (YTD Data)Rank
Total interest income$686,0006,696
Total interest expense$323,0005,863
Net interest income$363,0007,056
Provision for loan and lease losses$245,0002,586
Total noninterest income$9,0007,788
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$8,0006,838
Trading account gains and fees$0171
Additional Noninterest Income$1,0007,715
Total noninterest expense$640,0005,627
Salaries and employee benefits$311,0005,884
Premises and equipment expense$76,0005,763
Additional noninterest expense$253,0004,920
Pre-tax net operating income$-513,0007,337
Securities gains (losses)$02,434
Applicable income taxes$04,835
Income before extraordinary items$-513,0007,459
Extraordinary gains, net$015
Net income$-513,0007,459
Minority interest net income$0102
Net income of bank and minority interests.$-513,0007,460
Net charge-offs$63,0003,324
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$29,000654
Net operating income$-513,0007,430
2008-12-31 (YTD Data)Rank
Total interest income$2,374,0007,082
Total interest expense$1,144,0006,540
Net interest income$1,230,0007,322
Provision for loan and lease losses$1,762,0001,953
Total noninterest income$35,0007,846
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$16,0007,095
Trading account gains and fees$0154
Additional Noninterest Income$19,0007,458
Total noninterest expense$2,399,0005,749
Salaries and employee benefits$1,212,0005,963
Premises and equipment expense$326,0005,593
Additional noninterest expense$861,0005,272
Pre-tax net operating income$-2,896,0007,572
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-2,896,0007,588
Extraordinary gains, net$039
Net income$-2,896,0007,587
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,073,0001,886
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$97,000984
Net operating income$-2,896,0007,663
2008-09-30 (YTD Data)Rank
Total interest income$1,715,0007,215
Total interest expense$828,0006,723
Net interest income$887,0007,448
Provision for loan and lease losses$600,0002,479
Total noninterest income$18,0008,037
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$9,0007,197
Trading account gains and fees$0148
Additional Noninterest Income$9,0007,809
Total noninterest expense$1,715,0005,871
Salaries and employee benefits$876,0006,062
Premises and equipment expense$225,0005,806
Additional noninterest expense$614,0005,360
Pre-tax net operating income$-1,410,0007,709
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-1,410,0007,676
Extraordinary gains, net$031
Net income$-1,410,0007,675
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$365,0002,325
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$68,000879
Net operating income$-1,410,0007,773
2008-06-30 (YTD Data)Rank
Total interest income$1,118,0007,309
Total interest expense$545,0006,871
Net interest income$573,0007,522
Provision for loan and lease losses$250,0002,800
Total noninterest income$14,0008,099
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$5,0007,264
Trading account gains and fees$0149
Additional Noninterest Income$9,0007,734
Total noninterest expense$1,119,0005,973
Salaries and employee benefits$569,0006,180
Premises and equipment expense$153,0005,787
Additional noninterest expense$397,0005,443
Pre-tax net operating income$-782,0007,785
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-782,0007,895
Extraordinary gains, net$021
Net income$-782,0007,894
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0003,708
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$39,000829
Net operating income$-782,0007,873
2008-03-31 (YTD Data)Rank
Total interest income$555,0007,398
Total interest expense$289,0006,910
Net interest income$266,0007,667
Provision for loan and lease losses$30,0004,346
Total noninterest income$3,0008,242
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$2,0007,305
Trading account gains and fees$0158
Additional Noninterest Income$1,0008,110
Total noninterest expense$500,0006,300
Salaries and employee benefits$277,0006,286
Premises and equipment expense$64,0006,286
Additional noninterest expense$159,0006,022
Pre-tax net operating income$-261,0007,852
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-261,0007,928
Extraordinary gains, net$015
Net income$-261,0007,927
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0004,162
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$20,000699
Net operating income$-261,0007,904
2007-12-31 (YTD Data)Rank
Total interest income$1,655,0007,810
Total interest expense$625,0007,774
Net interest income$1,030,0007,707
Provision for loan and lease losses$203,0003,835
Total noninterest income$6,0008,345
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$4,0007,400
Trading account gains and fees$0178
Additional Noninterest Income$2,0008,265
Total noninterest expense$1,766,0006,527
Salaries and employee benefits$947,0006,566
Premises and equipment expense$249,0006,265
Additional noninterest expense$570,0006,267
Pre-tax net operating income$-933,0008,023
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-933,0008,084
Extraordinary gains, net$039
Net income$-933,0008,081
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$123,000878
Net operating income$-933,0008,077
2007-09-30 (YTD Data)Rank
Total interest income$1,064,0008,008
Total interest expense$371,0008,012
Net interest income$693,0007,888
Provision for loan and lease losses$117,0003,898
Total noninterest income$3,0008,402
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$2,0007,448
Trading account gains and fees$0184
Additional Noninterest Income$1,0008,340
Total noninterest expense$1,255,0006,648
Salaries and employee benefits$698,0006,604
Premises and equipment expense$186,0006,262
Additional noninterest expense$371,0006,582
Pre-tax net operating income$-676,0008,173
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-676,0008,216
Extraordinary gains, net$033
Net income$-676,0008,213
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$99,000761
Net operating income$-676,0008,206
2007-06-30 (YTD Data)Rank
Total interest income$590,0008,222
Total interest expense$178,0008,260
Net interest income$412,0008,074
Provision for loan and lease losses$97,0003,344
Total noninterest income$1,0008,491
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,0007,510
Trading account gains and fees$0168
Additional Noninterest Income$08,426
Total noninterest expense$773,0006,881
Salaries and employee benefits$419,0006,906
Premises and equipment expense$124,0006,285
Additional noninterest expense$230,0006,790
Pre-tax net operating income$-457,0008,274
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$-457,0008,306
Extraordinary gains, net$029
Net income$-457,0008,305
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-457,0008,301
2007-03-31 (YTD Data)Rank
Total interest income$224,0008,427
Total interest expense$49,0008,462
Net interest income$175,0008,270
Provision for loan and lease losses$33,0003,661
Total noninterest income$08,538
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$07,573
Trading account gains and fees$0195
Additional Noninterest Income$08,433
Total noninterest expense$345,0007,164
Salaries and employee benefits$194,0007,113
Premises and equipment expense$61,0006,362
Additional noninterest expense$90,0007,277
Pre-tax net operating income$-203,0008,307
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-203,0008,333
Extraordinary gains, net$022
Net income$-203,0008,331
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$0885
Net operating income$-203,0008,321
2006-12-31 (YTD Data)Rank
Total interest income$158,0008,640
Total interest expense$13,0008,639
Net interest income$145,0008,629
Provision for loan and lease losses$36,0005,879
Total noninterest income$08,609
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$07,634
Trading account gains and fees$0130
Additional Noninterest Income$08,532
Total noninterest expense$325,0008,597
Salaries and employee benefits$155,0008,597
Premises and equipment expense$54,0008,321
Additional noninterest expense$116,0008,505
Pre-tax net operating income$-216,0008,127
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-216,0008,162
Extraordinary gains, net$051
Net income$-216,0008,164
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$9,318,000226
Net operating income$-216,0008,158

* 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.