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Centennial Bank, Income and Expense

2003-06-30 (YTD Data)Rank
Total interest income$1,849,0005,983
Total interest expense$653,0005,557
Net interest income$1,196,0006,072
Provision for loan and lease losses$128,0003,363
Total noninterest income$328,0004,762
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$67,0006,104
Trading account gains and fees$0150
Additional Noninterest Income$261,0003,547
Total noninterest expense$1,191,0005,353
Salaries and employee benefits$651,0005,350
Premises and equipment expense$215,0004,496
Additional noninterest expense$325,0005,714
Pre-tax net operating income$205,0007,171
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$205,0006,926
Extraordinary gains, net$030
Net income$205,0006,930
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0003,193
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$205,0006,725
2003-03-31 (YTD Data)Rank
Total interest income$918,0006,039
Total interest expense$331,0005,627
Net interest income$587,0006,125
Provision for loan and lease losses$51,0003,633
Total noninterest income$153,0004,843
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$31,0006,193
Trading account gains and fees$0134
Additional Noninterest Income$122,0003,572
Total noninterest expense$607,0005,294
Salaries and employee benefits$326,0005,345
Premises and equipment expense$106,0004,525
Additional noninterest expense$175,0005,453
Pre-tax net operating income$82,0007,489
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$82,0007,247
Extraordinary gains, net$021
Net income$82,0007,248
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$82,0007,094
2002-12-31 (YTD Data)Rank
Total interest income$3,787,0006,084
Total interest expense$1,509,0005,700
Net interest income$2,278,0006,203
Provision for loan and lease losses$390,0002,895
Total noninterest income$511,0005,153
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$111,0006,388
Trading account gains and fees$0153
Additional Noninterest Income$400,0003,698
Total noninterest expense$2,265,0005,446
Salaries and employee benefits$1,138,0005,676
Premises and equipment expense$401,0004,644
Additional noninterest expense$726,0005,286
Pre-tax net operating income$134,0008,176
Securities gains (losses)$10,0003,604
Applicable income taxes$07,681
Income before extraordinary items$144,0008,117
Extraordinary gains, net$070
Net income$144,0008,118
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$330,0002,219
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$134,0008,067
2001-12-31 (YTD Data)Rank
Total interest income$3,097,0007,161
Total interest expense$1,875,0006,301
Net interest income$1,222,0007,836
Provision for loan and lease losses$238,0003,783
Total noninterest income$235,0006,973
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$46,0007,679
Trading account gains and fees$0177
Additional Noninterest Income$189,0005,052
Total noninterest expense$2,053,0005,633
Salaries and employee benefits$1,033,0005,871
Premises and equipment expense$438,0004,319
Additional noninterest expense$582,0005,958
Pre-tax net operating income$-834,0009,297
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-834,0009,368
Extraordinary gains, net$0105
Net income$-834,0009,369
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-834,0009,334
2000-12-31 (YTD Data)Rank
Total interest income$1,418,0009,043
Total interest expense$572,0009,103
Net interest income$846,0008,798
Provision for loan and lease losses$378,0002,382
Total noninterest income$21,0009,665
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$4,0008,520
Trading account gains and feesNANA
Additional Noninterest Income$17,0009,087
Total noninterest expense$1,625,0006,429
Salaries and employee benefits$740,0007,014
Premises and equipment expense$207,0006,651
Additional noninterest expense$678,0005,305
Pre-tax net operating income$-1,136,0009,750
Securities gains (losses)$-7,0008,117
Applicable income taxes$08,362
Income before extraordinary items$-1,143,0009,754
Extraordinary gains, net$038
Net income$-1,143,0009,753
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,027
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$7,041,000125
Net operating income$-1,136,0009,759

* 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.