Home > Delaware Sterling Bank & Trust Company > Income and Expense
Delaware Sterling Bank & Trust Company, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $373,000 | 8,264 |
| Total interest expense | $318,000 | 7,659 |
| Net interest income | $55,000 | 8,418 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $29,000 | 7,887 |
| Gross Fiduciary activities income | $27,000 | 983 |
| Service charges on deposit accounts | $1,000 | 7,382 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,000 | 8,142 |
| Total noninterest expense | $393,000 | 7,904 |
| Salaries and employee benefits | $151,000 | 8,188 |
| Premises and equipment expense | $70,000 | 7,346 |
| Additional noninterest expense | $172,000 | 7,296 |
| Pre-tax net operating income | $-309,000 | 7,441 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-108,000 | 7,869 |
| Income before extraordinary items | $-201,000 | 7,407 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-201,000 | 7,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-201,000 | 7,389 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $590,000 | 7,300 |
| Total interest expense | $520,000 | 5,659 |
| Net interest income | $70,000 | 8,421 |
| Provision for loan and lease losses | $11,000 | 5,386 |
| Total noninterest income | $31,000 | 7,280 |
| Gross Fiduciary activities income | $29,000 | 903 |
| Service charges on deposit accounts | $1,000 | 7,357 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $478,000 | 6,411 |
| Salaries and employee benefits | $189,000 | 7,104 |
| Premises and equipment expense | $70,000 | 6,040 |
| Additional noninterest expense | $219,000 | 5,093 |
| Pre-tax net operating income | $-388,000 | 7,999 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-134,000 | 8,193 |
| Income before extraordinary items | $-254,000 | 7,918 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-254,000 | 7,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-254,000 | 7,893 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,832,000 | 6,959 |
| Total interest expense | $2,191,000 | 5,621 |
| Net interest income | $641,000 | 8,143 |
| Provision for loan and lease losses | $31,000 | 6,052 |
| Total noninterest income | $203,000 | 6,720 |
| Gross Fiduciary activities income | $196,000 | 807 |
| Service charges on deposit accounts | $2,000 | 7,438 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,000 | 8,181 |
| Total noninterest expense | $2,168,000 | 5,998 |
| Salaries and employee benefits | $826,000 | 6,895 |
| Premises and equipment expense | $326,000 | 5,582 |
| Additional noninterest expense | $1,016,000 | 4,613 |
| Pre-tax net operating income | $-1,355,000 | 8,153 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-470,000 | 8,303 |
| Income before extraordinary items | $-885,000 | 8,067 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-885,000 | 8,064 |
| 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 | $0 | 1,304 |
| Net operating income | $-885,000 | 8,062 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,133,000 | 6,994 |
| Total interest expense | $1,635,000 | 5,660 |
| Net interest income | $498,000 | 8,182 |
| Provision for loan and lease losses | $27,000 | 5,609 |
| Total noninterest income | $161,000 | 6,672 |
| Gross Fiduciary activities income | $156,000 | 791 |
| Service charges on deposit accounts | $2,000 | 7,448 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,000 | 8,269 |
| Total noninterest expense | $1,650,000 | 5,926 |
| Salaries and employee benefits | $609,000 | 6,918 |
| Premises and equipment expense | $256,000 | 5,470 |
| Additional noninterest expense | $785,000 | 4,425 |
| Pre-tax net operating income | $-1,018,000 | 8,295 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-353,000 | 8,396 |
| Income before extraordinary items | $-665,000 | 8,211 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-665,000 | 8,207 |
| 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 | $0 | 1,144 |
| Net operating income | $-665,000 | 8,201 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,380,000 | 7,080 |
| Total interest expense | $1,049,000 | 5,749 |
| Net interest income | $331,000 | 8,252 |
| Provision for loan and lease losses | $18,000 | 5,390 |
| Total noninterest income | $106,000 | 6,756 |
| Gross Fiduciary activities income | $103,000 | 808 |
| Service charges on deposit accounts | $1,000 | 7,510 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $1,064,000 | 6,070 |
| Salaries and employee benefits | $413,000 | 6,933 |
| Premises and equipment expense | $115,000 | 6,479 |
| Additional noninterest expense | $536,000 | 4,359 |
| Pre-tax net operating income | $-645,000 | 8,359 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-223,000 | 8,471 |
| Income before extraordinary items | $-422,000 | 8,288 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-422,000 | 8,287 |
| 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 | $0 | 1,051 |
| Net operating income | $-422,000 | 8,278 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $696,000 | 7,089 |
| Total interest expense | $528,000 | 5,725 |
| Net interest income | $168,000 | 8,298 |
| Provision for loan and lease losses | $9,000 | 5,108 |
| Total noninterest income | $48,000 | 6,883 |
| Gross Fiduciary activities income | $47,000 | 828 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $562,000 | 5,956 |
| Salaries and employee benefits | $238,000 | 6,652 |
| Premises and equipment expense | $58,000 | 6,480 |
| Additional noninterest expense | $266,000 | 4,336 |
| Pre-tax net operating income | $-355,000 | 8,449 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-123,000 | 8,527 |
| Income before extraordinary items | $-232,000 | 8,366 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-232,000 | 8,364 |
| 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 | $0 | 885 |
| Net operating income | $-232,000 | 8,356 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,653,000 | 7,809 |
| Total interest expense | $1,127,000 | 6,702 |
| Net interest income | $526,000 | 8,388 |
| Provision for loan and lease losses | $28,000 | 6,088 |
| Total noninterest income | $24,000 | 8,382 |
| Gross Fiduciary activities income | $15,000 | 1,219 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $9,000 | 8,284 |
| Total noninterest expense | $1,622,000 | 6,696 |
| Salaries and employee benefits | $791,000 | 6,988 |
| Premises and equipment expense | $211,000 | 6,607 |
| Additional noninterest expense | $620,000 | 5,968 |
| Pre-tax net operating income | $-1,100,000 | 8,449 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-377,000 | 8,544 |
| Income before extraordinary items | $-723,000 | 8,381 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-723,000 | 8,382 |
| 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 | $0 | 1,251 |
| Net operating income | $-723,000 | 8,369 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,148,000 | 7,967 |
| Total interest expense | $783,000 | 6,822 |
| Net interest income | $365,000 | 8,489 |
| Provision for loan and lease losses | $5,000 | 6,530 |
| Total noninterest income | $11,000 | 8,538 |
| Gross Fiduciary activities income | $10,000 | 1,209 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,569 |
| Total noninterest expense | $1,226,000 | 6,691 |
| Salaries and employee benefits | $610,000 | 6,898 |
| Premises and equipment expense | $156,000 | 6,662 |
| Additional noninterest expense | $460,000 | 6,006 |
| Pre-tax net operating income | $-855,000 | 8,549 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-293,000 | 8,654 |
| Income before extraordinary items | $-562,000 | 8,493 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-562,000 | 8,493 |
| 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 | $-562,000 | 8,483 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $689,000 | 8,111 |
| Total interest expense | $458,000 | 7,035 |
| Net interest income | $231,000 | 8,571 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $4,000 | 8,635 |
| Gross Fiduciary activities income | $4,000 | 1,273 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,630 |
| Total noninterest expense | $835,000 | 6,664 |
| Salaries and employee benefits | $416,000 | 6,879 |
| Premises and equipment expense | $100,000 | 6,762 |
| Additional noninterest expense | $319,000 | 5,882 |
| Pre-tax net operating income | $-600,000 | 8,598 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-205,000 | 8,689 |
| Income before extraordinary items | $-395,000 | 8,543 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-395,000 | 8,543 |
| 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 | $-395,000 | 8,540 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $301,000 | 8,255 |
| Total interest expense | $202,000 | 7,211 |
| Net interest income | $99,000 | 8,643 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $2,000 | 8,640 |
| Gross Fiduciary activities income | $2,000 | 1,247 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $421,000 | 6,641 |
| Salaries and employee benefits | $216,000 | 6,799 |
| Premises and equipment expense | $39,000 | 7,256 |
| Additional noninterest expense | $166,000 | 5,751 |
| Pre-tax net operating income | $-320,000 | 8,625 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-110,000 | 8,702 |
| Income before extraordinary items | $-210,000 | 8,572 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-210,000 | 8,571 |
| 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 | $-210,000 | 8,565 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $786,000 | 8,490 |
| Total interest expense | $542,000 | 7,496 |
| Net interest income | $244,000 | 8,707 |
| Provision for loan and lease losses | $52,000 | 5,700 |
| Total noninterest income | $3,000 | 8,727 |
| Gross Fiduciary activities income | $3,000 | 1,412 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,688 |
| Total noninterest expense | $1,225,000 | 7,363 |
| Salaries and employee benefits | $563,000 | 7,738 |
| Premises and equipment expense | $75,000 | 8,174 |
| Additional noninterest expense | $587,000 | 6,127 |
| Pre-tax net operating income | $-1,030,000 | 8,647 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-353,000 | 8,736 |
| Income before extraordinary items | $-677,000 | 8,599 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-677,000 | 8,599 |
| 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 | $4,500,000 | 319 |
| Net operating income | $-677,000 | 8,583 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $484,000 | 8,606 |
| Total interest expense | $332,000 | 7,761 |
| Net interest income | $152,000 | 8,770 |
| Provision for loan and lease losses | $52,000 | 5,144 |
| Total noninterest income | $0 | 8,802 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,723 |
| Total noninterest expense | $850,000 | 7,506 |
| Salaries and employee benefits | $381,000 | 7,854 |
| Premises and equipment expense | $47,000 | 8,313 |
| Additional noninterest expense | $422,000 | 6,219 |
| Pre-tax net operating income | $-750,000 | 8,673 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-257,000 | 8,775 |
| Income before extraordinary items | $-493,000 | 8,637 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-493,000 | 8,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 230 |
| Net operating income | $-493,000 | 8,612 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $203,000 | 8,749 |
| Total interest expense | $121,000 | 8,327 |
| Net interest income | $82,000 | 8,811 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $0 | 8,806 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $536,000 | 7,617 |
| Salaries and employee benefits | $248,000 | 7,904 |
| Premises and equipment expense | $28,000 | 8,405 |
| Additional noninterest expense | $260,000 | 6,402 |
| Pre-tax net operating income | $-499,000 | 8,671 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-171,000 | 8,784 |
| Income before extraordinary items | $-328,000 | 8,645 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-328,000 | 8,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 150 |
| Net operating income | $-328,000 | 8,620 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $33,000 | 8,901 |
| Total interest expense | $4,000 | 8,868 |
| Net interest income | $29,000 | 8,893 |
| Provision for loan and lease losses | $23,000 | 4,505 |
| Total noninterest income | $0 | 8,858 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $265,000 | 7,695 |
| Salaries and employee benefits | $124,000 | 7,963 |
| Premises and equipment expense | $15,000 | 8,426 |
| Additional noninterest expense | $126,000 | 6,535 |
| Pre-tax net operating income | $-259,000 | 8,761 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-89,000 | 8,831 |
| Income before extraordinary items | $-170,000 | 8,727 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-170,000 | 8,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 74 |
| Net operating income | $-170,000 | 8,706 |
* 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.