Home > Charter Bank > Income and Expense
Charter Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,555,000 | 1,743 |
| Total interest expense | $6,965,000 | 2,303 |
| Net interest income | $12,590,000 | 1,410 |
| Provision for loan and lease losses | $525,000 | 2,118 |
| Total noninterest income | $3,218,000 | 1,403 |
| Gross Fiduciary activities income | $552,000 | 563 |
| Service charges on deposit accounts | $1,454,000 | 1,025 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,212,000 | 1,783 |
| Total noninterest expense | $11,052,000 | 1,317 |
| Salaries and employee benefits | $7,001,000 | 1,060 |
| Premises and equipment expense | $1,543,000 | 1,384 |
| Additional noninterest expense | $2,508,000 | 1,826 |
| Pre-tax net operating income | $4,231,000 | 1,670 |
| Securities gains (losses) | $587,000 | 561 |
| Applicable income taxes | $1,637,000 | 1,386 |
| Income before extraordinary items | $3,181,000 | 1,651 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,181,000 | 1,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 3,117 |
| Cash dividends | $2,138,000 | 1,250 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,793,580 | 1,808 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $20,021,000 | 1,732 |
| Total interest expense | $7,589,000 | 2,241 |
| Net interest income | $12,432,000 | 1,412 |
| Provision for loan and lease losses | $825,000 | 1,240 |
| Total noninterest income | $2,794,000 | 1,438 |
| Gross Fiduciary activities income | $628,000 | 535 |
| Service charges on deposit accounts | $1,406,000 | 956 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $760,000 | 2,218 |
| Total noninterest expense | $9,952,000 | 1,396 |
| Salaries and employee benefits | $6,089,000 | 1,160 |
| Premises and equipment expense | $1,451,000 | 1,434 |
| Additional noninterest expense | $2,412,000 | 1,831 |
| Pre-tax net operating income | $4,449,000 | 1,651 |
| Securities gains (losses) | $653,000 | 218 |
| Applicable income taxes | $1,768,000 | 1,299 |
| Income before extraordinary items | $3,334,000 | 1,582 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,334,000 | 1,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 1,793 |
| Cash dividends | $1,639,000 | 1,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,909,550 | 1,792 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,074,000 | 1,703 |
| Total interest expense | $7,082,000 | 2,106 |
| Net interest income | $11,992,000 | 1,460 |
| Provision for loan and lease losses | $1,050,000 | 930 |
| Total noninterest income | $3,204,000 | 1,284 |
| Gross Fiduciary activities income | $524,000 | 624 |
| Service charges on deposit accounts | $1,381,000 | 960 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,299,000 | 1,539 |
| Total noninterest expense | $9,412,000 | 1,474 |
| Salaries and employee benefits | $5,611,000 | 1,231 |
| Premises and equipment expense | $1,376,000 | 1,493 |
| Additional noninterest expense | $2,425,000 | 1,818 |
| Pre-tax net operating income | $4,734,000 | 1,588 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,631,000 | 1,484 |
| Income before extraordinary items | $3,103,000 | 1,717 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,103,000 | 1,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $835,000 | 808 |
| Cash dividends | $1,512,000 | 1,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,103,000 | 1,687 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,049,000 | 1,793 |
| Total interest expense | $6,954,000 | 2,181 |
| Net interest income | $11,095,000 | 1,531 |
| Provision for loan and lease losses | $330,000 | 2,400 |
| Total noninterest income | $2,603,000 | 1,499 |
| Gross Fiduciary activities income | $377,000 | 726 |
| Service charges on deposit accounts | $1,232,000 | 1,001 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $994,000 | 1,864 |
| Total noninterest expense | $9,018,000 | 1,469 |
| Salaries and employee benefits | $5,360,000 | 1,226 |
| Premises and equipment expense | $1,305,000 | 1,504 |
| Additional noninterest expense | $2,353,000 | 1,794 |
| Pre-tax net operating income | $4,350,000 | 1,692 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,450,000 | 1,683 |
| Income before extraordinary items | $2,900,000 | 1,823 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,900,000 | 1,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 1,692 |
| Cash dividends | $2,362,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,900,000 | 1,744 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,061,000 | 1,931 |
| Total interest expense | $6,482,000 | 2,318 |
| Net interest income | $10,579,000 | 1,647 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $2,361,000 | 1,548 |
| Gross Fiduciary activities income | $307,000 | 801 |
| Service charges on deposit accounts | $1,187,000 | 1,058 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $867,000 | 1,921 |
| Total noninterest expense | $8,738,000 | 1,505 |
| Salaries and employee benefits | $5,189,000 | 1,267 |
| Premises and equipment expense | $1,249,000 | 1,557 |
| Additional noninterest expense | $2,300,000 | 1,851 |
| Pre-tax net operating income | $3,962,000 | 1,897 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,395,000 | 1,813 |
| Income before extraordinary items | $2,567,000 | 2,062 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,567,000 | 2,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,283 |
| Cash dividends | $3,358,000 | 855 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,567,000 | 2,007 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,421,000 | 2,057 |
| Total interest expense | $6,594,000 | 2,340 |
| Net interest income | $9,827,000 | 1,805 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $2,253,000 | 1,668 |
| Gross Fiduciary activities income | $266,000 | 901 |
| Service charges on deposit accounts | $1,163,000 | 1,136 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $824,000 | 2,067 |
| Total noninterest expense | $8,149,000 | 1,737 |
| Salaries and employee benefits | $4,826,000 | 1,392 |
| Premises and equipment expense | $1,077,000 | 1,868 |
| Additional noninterest expense | $2,246,000 | 2,217 |
| Pre-tax net operating income | $3,691,000 | 1,966 |
| Securities gains (losses) | $250,000 | 616 |
| Applicable income taxes | $1,271,000 | 1,902 |
| Income before extraordinary items | $2,670,000 | 1,852 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,670,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,285 |
| Cash dividends | $1,628,000 | 1,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,500,000 | 1,941 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,651,000 | 2,297 |
| Total interest expense | $5,459,000 | 2,800 |
| Net interest income | $9,192,000 | 1,954 |
| Provision for loan and lease losses | $220,000 | 2,837 |
| Total noninterest income | $2,457,000 | 1,568 |
| Gross Fiduciary activities income | $195,000 | 1,012 |
| Service charges on deposit accounts | $1,016,000 | 1,333 |
| Trading account gains and fees | $7,000 | 448 |
| Additional Noninterest Income | $1,239,000 | 1,564 |
| Total noninterest expense | $7,707,000 | 1,823 |
| Salaries and employee benefits | $4,535,000 | 1,466 |
| Premises and equipment expense | $1,045,000 | 1,953 |
| Additional noninterest expense | $2,127,000 | 2,286 |
| Pre-tax net operating income | $3,722,000 | 1,976 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,310,000 | 1,853 |
| Income before extraordinary items | $2,412,000 | 2,093 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,412,000 | 2,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,802 |
| Cash dividends | $1,069,000 | 1,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,412,000 | 2,063 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,369,000 | 2,456 |
| Total interest expense | $3,813,000 | 3,206 |
| Net interest income | $8,556,000 | 2,099 |
| Provision for loan and lease losses | $225,000 | 2,816 |
| Total noninterest income | $1,907,000 | 1,898 |
| Gross Fiduciary activities income | $149,000 | 1,088 |
| Service charges on deposit accounts | $958,000 | 1,410 |
| Trading account gains and fees | $7,000 | 393 |
| Additional Noninterest Income | $793,000 | 2,152 |
| Total noninterest expense | $7,288,000 | 1,963 |
| Salaries and employee benefits | $4,090,000 | 1,635 |
| Premises and equipment expense | $966,000 | 2,094 |
| Additional noninterest expense | $2,232,000 | 2,352 |
| Pre-tax net operating income | $2,950,000 | 2,418 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $936,000 | 2,378 |
| Income before extraordinary items | $2,026,000 | 2,397 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,026,000 | 2,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,444 |
| Cash dividends | $1,927,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,017,840 | 2,425 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,268,000 | 2,750 |
| Total interest expense | $3,817,000 | 3,299 |
| Net interest income | $7,451,000 | 2,404 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $1,786,000 | 2,129 |
| Gross Fiduciary activities income | $106,000 | 1,196 |
| Service charges on deposit accounts | $921,000 | 1,466 |
| Trading account gains and fees | $5,000 | 460 |
| Additional Noninterest Income | $754,000 | 2,476 |
| Total noninterest expense | $6,886,000 | 2,126 |
| Salaries and employee benefits | $3,859,000 | 1,738 |
| Premises and equipment expense | $878,000 | 2,324 |
| Additional noninterest expense | $2,149,000 | 2,570 |
| Pre-tax net operating income | $2,251,000 | 2,976 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $710,000 | 3,070 |
| Income before extraordinary items | $1,541,000 | 3,160 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,541,000 | 3,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 7,087 |
| Cash dividends | $639,000 | 2,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,541,000 | 2,986 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,095,000 | 2,894 |
| Total interest expense | $5,040,000 | 3,287 |
| Net interest income | $7,055,000 | 2,568 |
| Provision for loan and lease losses | $150,000 | 6,067 |
| Total noninterest income | $1,637,000 | 2,238 |
| Gross Fiduciary activities income | $119,000 | 1,211 |
| Service charges on deposit accounts | $930,000 | 1,444 |
| Trading account gains and fees | $5,000 | 440 |
| Additional Noninterest Income | $583,000 | 2,883 |
| Total noninterest expense | $6,556,000 | 2,235 |
| Salaries and employee benefits | $3,625,000 | 1,833 |
| Premises and equipment expense | $866,000 | 2,385 |
| Additional noninterest expense | $2,065,000 | 2,720 |
| Pre-tax net operating income | $1,986,000 | 3,123 |
| Securities gains (losses) | $529,000 | 1,039 |
| Applicable income taxes | $700,000 | 2,982 |
| Income before extraordinary items | $1,815,000 | 2,531 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,815,000 | 2,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $542,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,434,120 | 2,970 |
* 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.