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Coastal Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$15,779,0002,222
Total interest expense$7,684,0002,214
Net interest income$8,095,0002,191
Provision for loan and lease losses$-206,0009,849
Total noninterest income$779,0003,723
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$585,0002,351
Trading account gains and fees$0180
Additional Noninterest Income$194,0004,870
Total noninterest expense$7,041,0001,974
Salaries and employee benefits$3,431,0002,077
Premises and equipment expense$1,454,0001,428
Additional noninterest expense$2,156,0002,007
Pre-tax net operating income$2,039,0003,275
Securities gains (losses)$125,000516
Applicable income taxes$765,0002,593
Income before extraordinary items$1,399,0003,437
Extraordinary gains, net$038
Net income$1,399,0003,435
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-138,0009,789
Cash dividends$500,0003,528
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,317,7503,588
1999-12-31 (YTD Data)Rank
Total interest income$13,986,0002,332
Total interest expense$6,606,0002,230
Net interest income$7,380,0002,392
Provision for loan and lease losses$08,503
Total noninterest income$2,288,0001,689
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$503,0002,624
Trading account gains and fees$0173
Additional Noninterest Income$1,785,0001,245
Total noninterest expense$5,845,0002,329
Salaries and employee benefits$2,925,0002,397
Premises and equipment expense$1,142,0001,786
Additional noninterest expense$1,778,0002,445
Pre-tax net operating income$3,823,0001,925
Securities gains (losses)$22,0001,340
Applicable income taxes$1,310,0001,773
Income before extraordinary items$2,535,0002,076
Extraordinary gains, net$035
Net income$2,535,0002,077
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-147,00010,093
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,520,4802,060
1998-12-31 (YTD Data)Rank
Total interest income$13,059,0002,497
Total interest expense$6,239,0002,420
Net interest income$6,820,0002,487
Provision for loan and lease losses$08,652
Total noninterest income$1,277,0002,558
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$508,0002,532
Trading account gains and fees$0224
Additional Noninterest Income$769,0002,233
Total noninterest expense$5,236,0002,486
Salaries and employee benefits$2,620,0002,581
Premises and equipment expense$960,0002,032
Additional noninterest expense$1,656,0002,520
Pre-tax net operating income$2,861,0002,489
Securities gains (losses)$104,0001,246
Applicable income taxes$1,008,0002,300
Income before extraordinary items$1,957,0002,607
Extraordinary gains, net$032
Net income$1,957,0002,608
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-70,00010,170
Cash dividends$1,680,0001,520
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,888,3602,613
1997-12-31 (YTD Data)Rank
Total interest income$11,894,0002,759
Total interest expense$5,411,0002,766
Net interest income$6,483,0002,685
Provision for loan and lease losses$08,829
Total noninterest income$718,0003,907
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$466,0002,809
Trading account gains and fees$0239
Additional Noninterest Income$252,0004,342
Total noninterest expense$4,887,0002,628
Salaries and employee benefits$2,355,0002,805
Premises and equipment expense$819,0002,365
Additional noninterest expense$1,713,0002,414
Pre-tax net operating income$2,314,0003,108
Securities gains (losses)$271,000594
Applicable income taxes$905,0002,648
Income before extraordinary items$1,680,0003,018
Extraordinary gains, net$044
Net income$1,680,0003,017
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,371
Cash dividends$1,500,0001,600
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,503,8503,277
1996-12-31 (YTD Data)Rank
Total interest income$11,330,0002,915
Total interest expense$5,134,0002,928
Net interest income$6,196,0002,867
Provision for loan and lease losses$09,041
Total noninterest income$952,0003,254
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$362,0003,652
Trading account gains and fees$0262
Additional Noninterest Income$590,0002,596
Total noninterest expense$4,840,0002,821
Salaries and employee benefits$2,137,0003,131
Premises and equipment expense$724,0002,696
Additional noninterest expense$1,979,0002,482
Pre-tax net operating income$2,308,0003,028
Securities gains (losses)$38,0001,523
Applicable income taxes$-2,009,00011,413
Income before extraordinary items$4,355,0001,167
Extraordinary gains, net$053
Net income$4,355,0001,168
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-7,00010,270
Cash dividends$3,400,000868
Sale, conversion, retirement of capital stock, net$0953
Net operating income$4,317,0001,158
1995-12-31 (YTD Data)Rank
Total interest income$11,706,0002,844
Total interest expense$5,435,0002,812
Net interest income$6,271,0002,844
Provision for loan and lease losses$-425,00011,893
Total noninterest income$577,0004,709
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$257,0004,838
Trading account gains and fees$33,000355
Additional Noninterest Income$287,0004,109
Total noninterest expense$4,811,0002,815
Salaries and employee benefits$2,092,0003,166
Premises and equipment expense$775,0002,567
Additional noninterest expense$1,944,0002,455
Pre-tax net operating income$2,462,0002,891
Securities gains (losses)$-4,0009,551
Applicable income taxes$011,151
Income before extraordinary items$2,458,0002,049
Extraordinary gains, net$065
Net income$2,458,0002,047
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$958,000904
Cash dividends$200,0005,441
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,462,0002,018
1994-12-31 (YTD Data)Rank
Total interest income$11,775,0002,577
Total interest expense$5,727,0002,178
Net interest income$6,048,0002,975
Provision for loan and lease losses$107,0004,408
Total noninterest income$528,0005,093
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$284,0004,567
Trading account gains and fees$-93,0004,873
Additional Noninterest Income$337,0003,811
Total noninterest expense$6,195,0002,278
Salaries and employee benefits$2,020,0003,254
Premises and equipment expense$902,0002,234
Additional noninterest expense$3,273,0001,682
Pre-tax net operating income$274,00010,312
Securities gains (losses)$33,0001,406
Applicable income taxes$011,630
Income before extraordinary items$307,0009,072
Extraordinary gains, net$0249
Net income$307,0009,076
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-293,00012,474
Cash dividends$175,0005,766
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$274,0009,494
1993-12-31 (YTD Data)Rank
Total interest income$12,731,0002,424
Total interest expense$7,255,0001,804
Net interest income$5,476,0003,284
Provision for loan and lease losses$-30,00012,640
Total noninterest income$742,0004,254
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$300,0004,426
Trading account gains and fees$0532
Additional Noninterest Income$442,0003,530
Total noninterest expense$5,940,0002,415
Salaries and employee benefits$2,218,0002,961
Premises and equipment expense$974,0002,104
Additional noninterest expense$2,748,0002,048
Pre-tax net operating income$308,00010,170
Securities gains (losses)$679,000724
Applicable income taxes$7,00011,895
Income before extraordinary items$980,0004,772
Extraordinary gains, net$03,149
Net income$980,0004,911
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$608,0001,569
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$307,7909,135
1992-12-31 (YTD Data)Rank
Total interest income$16,275,0002,172
Total interest expense$9,989,0001,723
Net interest income$6,286,0002,901
Provision for loan and lease losses$1,136,0001,699
Total noninterest income$875,0003,703
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$373,0003,712
Trading account gains and fees$0504
Additional Noninterest Income$502,0003,176
Total noninterest expense$7,123,0002,072
Salaries and employee benefits$2,400,0002,702
Premises and equipment expense$1,069,0001,980
Additional noninterest expense$3,654,0001,699
Pre-tax net operating income$-1,098,00013,495
Securities gains (losses)$269,0001,637
Applicable income taxes$-199,00013,649
Income before extraordinary items$-630,00013,432
Extraordinary gains, net$01,422
Net income$-630,00013,433
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,954,000741
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-834,44013,421

* 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.