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Community Plus Savings Bank, Income and Expense

2005-06-30 (YTD Data)Rank
Total interest income$955,0007,545
Total interest expense$203,0007,817
Net interest income$752,0007,342
Provision for loan and lease losses$7,0006,262
Total noninterest income$139,0006,485
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0116
Additional Noninterest Income$139,0004,488
Total noninterest expense$830,0006,648
Salaries and employee benefits$337,0007,335
Premises and equipment expense$155,0005,616
Additional noninterest expense$338,0005,645
Pre-tax net operating income$54,0008,112
Securities gains (losses)$02,146
Applicable income taxes$23,0006,019
Income before extraordinary items$31,0008,228
Extraordinary gains, net$030
Net income$31,0008,228
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0004,599
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$31,0008,196
2005-03-31 (YTD Data)Rank
Total interest income$470,0007,613
Total interest expense$100,0007,842
Net interest income$370,0007,424
Provision for loan and lease losses$3,0005,957
Total noninterest income$68,0006,493
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0115
Additional Noninterest Income$68,0004,510
Total noninterest expense$340,0007,169
Salaries and employee benefits$159,0007,524
Premises and equipment expense$75,0005,744
Additional noninterest expense$106,0006,999
Pre-tax net operating income$95,0007,298
Securities gains (losses)$01,685
Applicable income taxes$36,0005,142
Income before extraordinary items$59,0007,606
Extraordinary gains, net$024
Net income$59,0007,605
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0004,060
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$59,0007,579
2004-12-31 (YTD Data)Rank
Total interest income$1,728,0007,661
Total interest expense$410,0007,647
Net interest income$1,318,0007,576
Provision for loan and lease losses$20,0006,718
Total noninterest income$306,0006,361
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$62,0007,083
Trading account gains and fees$0138
Additional Noninterest Income$244,0004,691
Total noninterest expense$1,476,0006,920
Salaries and employee benefits$707,0007,251
Premises and equipment expense$276,0005,921
Additional noninterest expense$493,0006,582
Pre-tax net operating income$128,0008,026
Securities gains (losses)$03,819
Applicable income taxes$42,0006,135
Income before extraordinary items$86,0008,157
Extraordinary gains, net$034
Net income$86,0008,156
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0005,177
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$86,0008,115
2004-09-30 (YTD Data)Rank
Total interest income$1,408,0007,541
Total interest expense$308,0007,662
Net interest income$1,100,0007,375
Provision for loan and lease losses$13,0006,615
Total noninterest income$227,0006,432
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$62,0006,768
Trading account gains and fees$0134
Additional Noninterest Income$165,0004,912
Total noninterest expense$1,103,0006,913
Salaries and employee benefits$522,0007,247
Premises and equipment expense$196,0006,042
Additional noninterest expense$385,0006,427
Pre-tax net operating income$211,0007,642
Securities gains (losses)$03,710
Applicable income taxes$80,0005,583
Income before extraordinary items$131,0007,909
Extraordinary gains, net$026
Net income$131,0007,912
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0004,844
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$131,0007,856
2004-06-30 (YTD Data)Rank
Total interest income$952,0007,544
Total interest expense$206,0007,723
Net interest income$746,0007,380
Provision for loan and lease losses$9,0006,446
Total noninterest income$147,0006,500
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$62,0006,192
Trading account gains and fees$0130
Additional Noninterest Income$85,0005,489
Total noninterest expense$753,0006,884
Salaries and employee benefits$356,0007,253
Premises and equipment expense$121,0006,294
Additional noninterest expense$276,0006,232
Pre-tax net operating income$131,0007,685
Securities gains (losses)$03,413
Applicable income taxes$50,0005,634
Income before extraordinary items$81,0007,959
Extraordinary gains, net$021
Net income$81,0007,961
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0004,450
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$81,0007,899
2004-03-31 (YTD Data)Rank
Total interest income$505,0007,469
Total interest expense$107,0007,728
Net interest income$398,0007,268
Provision for loan and lease losses$9,0005,706
Total noninterest income$74,0006,458
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$62,0004,721
Trading account gains and fees$0121
Additional Noninterest Income$12,0007,544
Total noninterest expense$398,0006,775
Salaries and employee benefits$183,0007,218
Premises and equipment expense$47,0006,927
Additional noninterest expense$168,0005,640
Pre-tax net operating income$65,0007,680
Securities gains (losses)$02,934
Applicable income taxes$24,0005,624
Income before extraordinary items$41,0007,951
Extraordinary gains, net$016
Net income$41,0007,952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0003,502
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$41,0007,891
2003-12-31 (YTD Data)Rank
Total interest income$2,041,0007,494
Total interest expense$485,0007,793
Net interest income$1,556,0007,282
Provision for loan and lease losses$45,0006,412
Total noninterest income$312,0006,512
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$262,0004,638
Trading account gains and fees$0160
Additional Noninterest Income$50,0007,561
Total noninterest expense$1,459,0006,966
Salaries and employee benefits$644,0007,522
Premises and equipment expense$175,0007,087
Additional noninterest expense$640,0005,778
Pre-tax net operating income$364,0007,177
Securities gains (losses)$04,500
Applicable income taxes$119,0005,539
Income before extraordinary items$245,0007,550
Extraordinary gains, net$054
Net income$245,0007,554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$53,0005,002
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$245,0007,411
2003-09-30 (YTD Data)Rank
Total interest income$1,557,0007,551
Total interest expense$377,0007,870
Net interest income$1,180,0007,308
Provision for loan and lease losses$45,0005,860
Total noninterest income$229,0006,594
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$194,0004,693
Trading account gains and fees$0153
Additional Noninterest Income$35,0007,674
Total noninterest expense$1,098,0006,950
Salaries and employee benefits$476,0007,513
Premises and equipment expense$134,0007,062
Additional noninterest expense$488,0005,718
Pre-tax net operating income$266,0007,350
Securities gains (losses)$04,204
Applicable income taxes$93,0005,648
Income before extraordinary items$173,0007,764
Extraordinary gains, net$040
Net income$173,0007,765
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0004,593
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$173,0007,616
2003-06-30 (YTD Data)Rank
Total interest income$1,044,0007,594
Total interest expense$265,0007,902
Net interest income$779,0007,342
Provision for loan and lease losses$36,0005,560
Total noninterest income$148,0006,675
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$126,0004,731
Trading account gains and fees$0150
Additional Noninterest Income$22,0007,723
Total noninterest expense$707,0007,056
Salaries and employee benefits$309,0007,616
Premises and equipment expense$88,0007,078
Additional noninterest expense$310,0005,878
Pre-tax net operating income$184,0007,344
Securities gains (losses)$03,782
Applicable income taxes$62,0005,689
Income before extraordinary items$122,0007,731
Extraordinary gains, net$030
Net income$122,0007,732
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0003,755
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$122,0007,554
2003-03-31 (YTD Data)Rank
Total interest income$534,0007,587
Total interest expense$143,0007,846
Net interest income$391,0007,356
Provision for loan and lease losses$4,0006,606
Total noninterest income$72,0006,663
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$60,0004,759
Trading account gains and fees$0134
Additional Noninterest Income$12,0007,671
Total noninterest expense$348,0007,136
Salaries and employee benefits$150,0007,715
Premises and equipment expense$44,0007,119
Additional noninterest expense$154,0005,833
Pre-tax net operating income$111,0007,026
Securities gains (losses)$02,891
Applicable income taxes$35,0005,559
Income before extraordinary items$76,0007,373
Extraordinary gains, net$021
Net income$76,0007,374
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0004,268
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$76,0007,217
2002-12-31 (YTD Data)Rank
Total interest income$2,318,0007,517
Total interest expense$660,0007,923
Net interest income$1,658,0007,179
Provision for loan and lease losses$13,0007,714
Total noninterest income$328,0006,258
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$220,0004,998
Trading account gains and fees$0153
Additional Noninterest Income$108,0006,289
Total noninterest expense$1,511,0006,817
Salaries and employee benefits$686,0007,330
Premises and equipment expense$163,0007,269
Additional noninterest expense$662,0005,592
Pre-tax net operating income$462,0006,915
Securities gains (losses)$04,537
Applicable income taxes$158,0005,449
Income before extraordinary items$304,0007,306
Extraordinary gains, net$070
Net income$304,0007,304
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0006,176
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$304,0007,198

* 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.