Home > Clear Lake National Bank > Income and Expense

Clear Lake National Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$533,0007,592
Total interest expense$163,0007,577
Net interest income$370,0007,480
Provision for loan and lease losses$45,0003,818
Total noninterest income$80,0006,439
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$75,0004,221
Trading account gains and fees$0134
Additional Noninterest Income$5,0008,460
Total noninterest expense$574,0005,488
Salaries and employee benefits$245,0006,326
Premises and equipment expense$108,0004,477
Additional noninterest expense$221,0004,612
Pre-tax net operating income$-169,0009,059
Securities gains (losses)$131,000856
Applicable income taxes$07,403
Income before extraordinary items$-38,0008,926
Extraordinary gains, net$021
Net income$-38,0008,923
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0002,727
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$1,500,00086
Net operating income$-169,0009,049
2002-12-31 (YTD Data)Rank
Total interest income$2,628,0007,229
Total interest expense$1,143,0006,560
Net interest income$1,485,0007,459
Provision for loan and lease losses$576,0002,138
Total noninterest income$283,0006,593
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$335,0003,987
Trading account gains and fees$0153
Additional Noninterest Income$-52,0009,316
Total noninterest expense$2,448,0005,153
Salaries and employee benefits$1,088,0005,846
Premises and equipment expense$388,0004,753
Additional noninterest expense$972,0004,273
Pre-tax net operating income$-1,256,0009,173
Securities gains (losses)$25,0002,988
Applicable income taxes$07,681
Income before extraordinary items$-1,231,0009,220
Extraordinary gains, net$070
Net income$-1,231,0009,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$706,0001,268
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-1,256,0009,192
2001-12-31 (YTD Data)Rank
Total interest income$3,601,0006,676
Total interest expense$1,743,0006,518
Net interest income$1,858,0006,685
Provision for loan and lease losses$2,320,000622
Total noninterest income$426,0005,514
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$313,0004,053
Trading account gains and fees$0177
Additional Noninterest Income$113,0006,139
Total noninterest expense$2,198,0005,390
Salaries and employee benefits$998,0005,988
Premises and equipment expense$461,0004,156
Additional noninterest expense$739,0005,070
Pre-tax net operating income$-2,234,0009,500
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-2,234,0009,534
Extraordinary gains, net$0105
Net income$-2,234,0009,535
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,911,000590
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$1,433,000356
Net operating income$-2,234,0009,514
2000-12-31 (YTD Data)Rank
Total interest income$3,632,0006,794
Total interest expense$1,788,0006,613
Net interest income$1,844,0006,830
Provision for loan and lease losses$284,0002,982
Total noninterest income$337,0006,002
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$184,0005,315
Trading account gains and feesNANA
Additional Noninterest Income$153,0005,422
Total noninterest expense$2,212,0005,311
Salaries and employee benefits$839,0006,553
Premises and equipment expense$418,0004,362
Additional noninterest expense$955,0004,137
Pre-tax net operating income$-315,0009,428
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-315,0009,456
Extraordinary gains, net$038
Net income$-315,0009,455
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$128,0003,160
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$3,000934
Net operating income$-315,0009,457
1999-12-31 (YTD Data)Rank
Total interest income$1,403,0009,195
Total interest expense$582,0009,259
Net interest income$821,0009,012
Provision for loan and lease losses$280,0002,822
Total noninterest income$236,0007,086
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$72,0007,297
Trading account gains and feesNANA
Additional Noninterest Income$164,0005,393
Total noninterest expense$1,304,0007,283
Salaries and employee benefits$513,0008,268
Premises and equipment expense$306,0005,406
Additional noninterest expense$485,0006,623
Pre-tax net operating income$-527,0009,869
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-527,0009,915
Extraordinary gains, net$035
Net income$-527,0009,913
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$5,529,000224
Net operating income$-527,0009,895

* 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.