Home > Community First Bank - Chicago > Income and Expense

Community First Bank - Chicago, Income and Expense

2010-12-31 (YTD Data)		Rank
Total interest income	$2,244,000	6,557
Total interest expense	$766,000	5,793
Net interest income	$1,478,000	6,731
Provision for loan and lease losses	$124,000	5,829
Total noninterest income	$54,000	7,021
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$40,000	6,390
Trading account gains and fees	$0	175
Additional Noninterest Income	$14,000	6,725
Total noninterest expense	$3,280,000	4,760
Salaries and employee benefits	$1,034,000	5,951
Premises and equipment expense	$451,000	4,456
Additional noninterest expense	$1,795,000	3,538
Pre-tax net operating income	$-1,872,000	6,740
Securities gains (losses)	$134,000	1,920
Applicable income taxes	$0	4,655
Income before extraordinary items	$-1,738,000	6,793
Extraordinary gains, net	$0	29
Net income	$-1,738,000	6,794
Minority interest net income	$0	111
Net income of bank and minority interests.	$-1,738,000	6,794
Net charge-offs	$574,000	3,466
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$4,000	1,193
Net operating income	$-1,872,000	6,799
2010-09-30 (YTD Data)		Rank
Total interest income	$1,731,000	6,609
Total interest expense	$612,000	5,824
Net interest income	$1,119,000	6,815
Provision for loan and lease losses	$124,000	5,499
Total noninterest income	$16,000	7,359
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$32,000	6,416
Trading account gains and fees	$0	165
Additional Noninterest Income	$-16,000	7,249
Total noninterest expense	$2,507,000	4,732
Salaries and employee benefits	$761,000	6,039
Premises and equipment expense	$338,000	4,522
Additional noninterest expense	$1,408,000	3,407
Pre-tax net operating income	$-1,496,000	6,959
Securities gains (losses)	$134,000	1,694
Applicable income taxes	$0	4,726
Income before extraordinary items	$-1,362,000	7,003
Extraordinary gains, net	$0	23
Net income	$-1,362,000	7,002
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,362,000	7,003
Net charge-offs	$336,000	3,584
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$4,000	1,104
Net operating income	$-1,496,000	7,013
2010-06-30 (YTD Data)		Rank
Total interest income	$1,177,000	6,612
Total interest expense	$420,000	5,860
Net interest income	$757,000	6,835
Provision for loan and lease losses	$124,000	4,870
Total noninterest income	$-16,000	7,563
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$22,000	6,435
Trading account gains and fees	$0	152
Additional Noninterest Income	$-38,000	7,426
Total noninterest expense	$1,525,000	5,023
Salaries and employee benefits	$516,000	6,053
Premises and equipment expense	$230,000	4,499
Additional noninterest expense	$779,000	3,858
Pre-tax net operating income	$-908,000	6,965
Securities gains (losses)	$134,000	1,220
Applicable income taxes	$0	4,691
Income before extraordinary items	$-774,000	6,994
Extraordinary gains, net	$0	19
Net income	$-774,000	6,994
Minority interest net income	$0	105
Net income of bank and minority interests.	$-774,000	6,994
Net charge-offs	$306,000	3,019
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$4,000	1,022
Net operating income	$-908,000	7,023
2010-03-31 (YTD Data)		Rank
Total interest income	$589,000	6,701
Total interest expense	$201,000	6,074
Net interest income	$388,000	6,862
Provision for loan and lease losses	$41,000	5,083
Total noninterest income	$16,000	7,253
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$11,000	6,478
Trading account gains and fees	$0	175
Additional Noninterest Income	$5,000	6,997
Total noninterest expense	$706,000	5,281
Salaries and employee benefits	$269,000	6,054
Premises and equipment expense	$117,000	4,526
Additional noninterest expense	$320,000	4,414
Pre-tax net operating income	$-343,000	7,024
Securities gains (losses)	$45,000	1,193
Applicable income taxes	$0	4,611
Income before extraordinary items	$-298,000	7,074
Extraordinary gains, net	$0	16
Net income	$-298,000	7,075
Minority interest net income	$0	91
Net income of bank and minority interests.	$-298,000	7,074
Net charge-offs	$0	5,610
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$3,000	953
Net operating income	$-343,000	7,087
2009-12-31 (YTD Data)		Rank
Total interest income	$2,735,000	6,517
Total interest expense	$1,356,000	5,387
Net interest income	$1,379,000	7,044
Provision for loan and lease losses	$3,022,000	1,974
Total noninterest income	$65,000	7,284
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$29,000	6,779
Trading account gains and fees	$0	211
Additional Noninterest Income	$36,000	6,622
Total noninterest expense	$2,761,000	5,412
Salaries and employee benefits	$1,123,000	5,993
Premises and equipment expense	$506,000	4,341
Additional noninterest expense	$1,132,000	4,886
Pre-tax net operating income	$-4,339,000	7,109
Securities gains (losses)	$123,000	1,954
Applicable income taxes	$0	4,388
Income before extraordinary items	$-4,216,000	7,184
Extraordinary gains, net	$0	34
Net income	$-4,216,000	7,183
Minority interest net income	$0	115
Net income of bank and minority interests.	$-4,216,000	7,183
Net charge-offs	$1,050,000	2,802
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$80,000	955
Net operating income	$-4,339,000	7,200
2009-09-30 (YTD Data)		Rank
Total interest income	$2,098,000	6,544
Total interest expense	$1,114,000	5,311
Net interest income	$984,000	7,169
Provision for loan and lease losses	$2,122,000	1,834
Total noninterest income	$50,000	7,400
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$10,000	7,028
Trading account gains and fees	$0	212
Additional Noninterest Income	$40,000	6,457
Total noninterest expense	$2,026,000	5,481
Salaries and employee benefits	$838,000	6,028
Premises and equipment expense	$385,000	4,351
Additional noninterest expense	$803,000	5,049
Pre-tax net operating income	$-3,114,000	7,310
Securities gains (losses)	$122,000	1,675
Applicable income taxes	$0	4,592
Income before extraordinary items	$-2,992,000	7,379
Extraordinary gains, net	$0	27
Net income	$-2,992,000	7,379
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,992,000	7,379
Net charge-offs	$591,000	2,823
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$72,000	840
Net operating income	$-3,114,000	7,387
2009-06-30 (YTD Data)		Rank
Total interest income	$1,451,000	6,527
Total interest expense	$787,000	5,318
Net interest income	$664,000	7,176
Provision for loan and lease losses	$2,115,000	1,350
Total noninterest income	$33,000	7,461
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$5,000	7,139
Trading account gains and fees	$0	193
Additional Noninterest Income	$28,000	6,469
Total noninterest expense	$1,306,000	5,627
Salaries and employee benefits	$542,000	6,167
Premises and equipment expense	$258,000	4,372
Additional noninterest expense	$506,000	5,223
Pre-tax net operating income	$-2,724,000	7,526
Securities gains (losses)	$122,000	1,340
Applicable income taxes	$0	4,657
Income before extraordinary items	$-2,602,000	7,581
Extraordinary gains, net	$0	21
Net income	$-2,602,000	7,580
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,602,000	7,580
Net charge-offs	$0	6,628
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$65,000	730
Net operating income	$-2,724,000	7,610
2009-03-31 (YTD Data)		Rank
Total interest income	$782,000	6,432
Total interest expense	$417,000	5,286
Net interest income	$365,000	7,046
Provision for loan and lease losses	$0	6,744
Total noninterest income	$17,000	7,517
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$2,000	7,175
Trading account gains and fees	$0	171
Additional Noninterest Income	$15,000	6,478
Total noninterest expense	$644,000	5,617
Salaries and employee benefits	$274,000	6,189
Premises and equipment expense	$128,000	4,454
Additional noninterest expense	$242,000	5,036
Pre-tax net operating income	$-262,000	6,997
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-262,000	7,137
Extraordinary gains, net	$0	15
Net income	$-262,000	7,137
Minority interest net income	$0	102
Net income of bank and minority interests.	$-262,000	7,138
Net charge-offs	$0	5,728
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$8,000	915
Net operating income	$-262,000	7,080
2008-12-31 (YTD Data)		Rank
Total interest income	$3,420,000	6,359
Total interest expense	$2,000,000	5,302
Net interest income	$1,420,000	7,105
Provision for loan and lease losses	$247,000	4,931
Total noninterest income	$62,000	7,651
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$5,000	7,235
Trading account gains and fees	$0	154
Additional Noninterest Income	$57,000	6,626
Total noninterest expense	$2,611,000	5,534
Salaries and employee benefits	$1,085,000	6,241
Premises and equipment expense	$519,000	4,361
Additional noninterest expense	$1,007,000	4,803
Pre-tax net operating income	$-1,376,000	7,167
Securities gains (losses)	$19,000	2,215
Applicable income taxes	$0	4,979
Income before extraordinary items	$-1,357,000	7,155
Extraordinary gains, net	$0	39
Net income	$-1,357,000	7,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$264,000	3,717
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$58,000	1,099
Net operating income	$-1,376,000	7,268
2008-09-30 (YTD Data)		Rank
Total interest income	$2,590,000	6,407
Total interest expense	$1,511,000	5,409
Net interest income	$1,079,000	7,135
Provision for loan and lease losses	$136,000	4,739
Total noninterest income	$47,000	7,779
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$4,000	7,286
Trading account gains and fees	$0	148
Additional Noninterest Income	$43,000	6,778
Total noninterest expense	$1,701,000	5,885
Salaries and employee benefits	$781,000	6,335
Premises and equipment expense	$355,000	4,621
Additional noninterest expense	$565,000	5,581
Pre-tax net operating income	$-711,000	7,385
Securities gains (losses)	$19,000	2,045
Applicable income taxes	$0	5,372
Income before extraordinary items	$-692,000	7,332
Extraordinary gains, net	$0	31
Net income	$-692,000	7,330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	6,164
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$43,000	979
Net operating income	$-711,000	7,469
2008-06-30 (YTD Data)		Rank
Total interest income	$1,791,000	6,397
Total interest expense	$1,012,000	5,550
Net interest income	$779,000	7,007
Provision for loan and lease losses	$81,000	4,576
Total noninterest income	$30,000	7,869
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$2,000	7,352
Trading account gains and fees	$0	149
Additional Noninterest Income	$28,000	6,870
Total noninterest expense	$1,143,000	5,913
Salaries and employee benefits	$523,000	6,380
Premises and equipment expense	$250,000	4,506
Additional noninterest expense	$370,000	5,641
Pre-tax net operating income	$-415,000	7,538
Securities gains (losses)	$19,000	2,087
Applicable income taxes	$0	5,627
Income before extraordinary items	$-396,000	7,618
Extraordinary gains, net	$0	21
Net income	$-396,000	7,618
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,516
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$29,000	888
Net operating income	$-415,000	7,617
2008-03-31 (YTD Data)		Rank
Total interest income	$918,000	6,416
Total interest expense	$511,000	5,702
Net interest income	$407,000	6,973
Provision for loan and lease losses	$37,000	4,177
Total noninterest income	$13,000	7,947
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$1,000	7,357
Trading account gains and fees	$0	158
Additional Noninterest Income	$12,000	7,050
Total noninterest expense	$573,000	5,938
Salaries and employee benefits	$258,000	6,444
Premises and equipment expense	$131,000	4,397
Additional noninterest expense	$184,000	5,606
Pre-tax net operating income	$-190,000	7,746
Securities gains (losses)	$19,000	1,626
Applicable income taxes	$0	5,622
Income before extraordinary items	$-171,000	7,788
Extraordinary gains, net	$0	15
Net income	$-171,000	7,787
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,346
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$14,000	771
Net operating income	$-190,000	7,795
2007-12-31 (YTD Data)		Rank
Total interest income	$3,619,000	6,441
Total interest expense	$1,839,000	6,013
Net interest income	$1,780,000	6,775
Provision for loan and lease losses	$309,000	3,136
Total noninterest income	$62,000	7,922
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$13,000	7,256
Trading account gains and fees	$0	178
Additional Noninterest Income	$49,000	7,114
Total noninterest expense	$2,261,000	5,878
Salaries and employee benefits	$966,000	6,519
Premises and equipment expense	$504,000	4,337
Additional noninterest expense	$791,000	5,387
Pre-tax net operating income	$-728,000	7,932
Securities gains (losses)	$1,000	1,983
Applicable income taxes	$0	6,070
Income before extraordinary items	$-727,000	8,005
Extraordinary gains, net	$0	39
Net income	$-727,000	8,003
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$58,000	1,038
Net operating income	$-728,000	8,001
2007-09-30 (YTD Data)		Rank
Total interest income	$2,589,000	6,593
Total interest expense	$1,302,000	6,170
Net interest income	$1,287,000	6,891
Provision for loan and lease losses	$230,000	2,752
Total noninterest income	$37,000	8,085
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$3,000	7,429
Trading account gains and fees	$0	184
Additional Noninterest Income	$34,000	7,219
Total noninterest expense	$1,654,000	5,920
Salaries and employee benefits	$729,000	6,494
Premises and equipment expense	$375,000	4,351
Additional noninterest expense	$550,000	5,562
Pre-tax net operating income	$-560,000	8,116
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$-560,000	8,166
Extraordinary gains, net	$0	33
Net income	$-560,000	8,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$40,000	933
Net operating income	$-560,000	8,154
2007-06-30 (YTD Data)		Rank
Total interest income	$1,561,000	6,834
Total interest expense	$798,000	6,363
Net interest income	$763,000	7,194
Provision for loan and lease losses	$146,000	2,706
Total noninterest income	$22,000	8,181
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$2,000	7,481
Trading account gains and fees	$0	168
Additional Noninterest Income	$20,000	7,375
Total noninterest expense	$1,076,000	6,034
Salaries and employee benefits	$481,000	6,582
Premises and equipment expense	$252,000	4,358
Additional noninterest expense	$343,000	5,747
Pre-tax net operating income	$-437,000	8,259
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$-437,000	8,296
Extraordinary gains, net	$0	29
Net income	$-437,000	8,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$24,000	873
Net operating income	$-437,000	8,288
2007-03-31 (YTD Data)		Rank
Total interest income	$712,000	7,055
Total interest expense	$364,000	6,557
Net interest income	$348,000	7,403
Provision for loan and lease losses	$50,000	3,068
Total noninterest income	$8,000	8,315
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$2,000	7,430
Trading account gains and fees	$0	195
Additional Noninterest Income	$6,000	7,790
Total noninterest expense	$533,000	6,119
Salaries and employee benefits	$246,000	6,562
Premises and equipment expense	$117,000	4,586
Additional noninterest expense	$170,000	5,750
Pre-tax net operating income	$-227,000	8,332
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$-227,000	8,358
Extraordinary gains, net	$0	22
Net income	$-227,000	8,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$12,000	742
Net operating income	$-227,000	8,348
2006-12-31 (YTD Data)		Rank
Total interest income	$1,907,000	7,617
Total interest expense	$765,000	7,402
Net interest income	$1,142,000	7,656
Provision for loan and lease losses	$236,000	3,235
Total noninterest income	$34,000	8,327
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$17,000	7,315
Trading account gains and fees	$0	130
Additional Noninterest Income	$17,000	8,067
Total noninterest expense	$1,747,000	6,517
Salaries and employee benefits	$850,000	6,809
Premises and equipment expense	$257,000	6,145
Additional noninterest expense	$640,000	5,878
Pre-tax net operating income	$-807,000	8,369
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$-807,000	8,410
Extraordinary gains, net	$0	51
Net income	$-807,000	8,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$36,000	1,050
Net operating income	$-807,000	8,396
2006-09-30 (YTD Data)		Rank
Total interest income	$1,233,000	7,869
Total interest expense	$446,000	7,746
Net interest income	$787,000	7,856
Provision for loan and lease losses	$204,000	2,842
Total noninterest income	$28,000	8,381
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$16,000	7,330
Trading account gains and fees	$0	126
Additional Noninterest Income	$12,000	8,141
Total noninterest expense	$1,279,000	6,598
Salaries and employee benefits	$606,000	6,915
Premises and equipment expense	$186,000	6,261
Additional noninterest expense	$487,000	5,840
Pre-tax net operating income	$-668,000	8,498
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-668,000	8,529
Extraordinary gains, net	$0	45
Net income	$-668,000	8,528
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-668,000	8,523
2006-06-30 (YTD Data)		Rank
Total interest income	$644,000	8,179
Total interest expense	$209,000	8,100
Net interest income	$435,000	8,138
Provision for loan and lease losses	$177,000	2,338
Total noninterest income	$9,000	8,567
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$2,000	7,616
Trading account gains and fees	$0	126
Additional Noninterest Income	$7,000	8,267
Total noninterest expense	$831,000	6,676
Salaries and employee benefits	$405,000	6,947
Premises and equipment expense	$124,000	6,267
Additional noninterest expense	$302,000	6,066
Pre-tax net operating income	$-564,000	8,588
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-564,000	8,607
Extraordinary gains, net	$0	39
Net income	$-564,000	8,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-564,000	8,603
2006-03-31 (YTD Data)		Rank
Total interest income	$225,000	8,473
Total interest expense	$52,000	8,518
Net interest income	$173,000	8,377
Provision for loan and lease losses	$75,000	2,394
Total noninterest income	$3,000	8,612
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,000	7,643
Trading account gains and fees	$0	115
Additional Noninterest Income	$2,000	8,382
Total noninterest expense	$413,000	6,692
Salaries and employee benefits	$204,000	6,941
Premises and equipment expense	$64,000	6,199
Additional noninterest expense	$145,000	6,156
Pre-tax net operating income	$-312,000	8,621
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-312,000	8,641
Extraordinary gains, net	$0	21
Net income	$-312,000	8,640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-312,000	8,634
2005-12-31 (YTD Data)		Rank
Total interest income	$192,000	8,764
Total interest expense	$83,000	8,650
Net interest income	$109,000	8,779
Provision for loan and lease losses	$50,000	5,734
Total noninterest income	$5,000	8,707
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$0	7,759
Trading account gains and fees	$0	138
Additional Noninterest Income	$5,000	8,545
Total noninterest expense	$1,235,000	7,343
Salaries and employee benefits	$713,000	7,218
Premises and equipment expense	$153,000	7,235
Additional noninterest expense	$369,000	7,260
Pre-tax net operating income	$-1,171,000	8,672
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-1,171,000	8,700
Extraordinary gains, net	$0	46
Net income	$-1,171,000	8,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$11,035,000	165
Net operating income	$-1,171,000	8,682

* 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.