Home > Equinox Bank, FSB > Income and Expense
Equinox Bank, FSB, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,587,000 | 5,276 |
| Total interest expense | $1,893,000 | 3,652 |
| Net interest income | $1,694,000 | 6,349 |
| Provision for loan and lease losses | $8,000 | 6,628 |
| Total noninterest income | $257,000 | 6,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $257,000 | 4,079 |
| Total noninterest expense | $2,638,000 | 4,235 |
| Salaries and employee benefits | $1,133,000 | 5,009 |
| Premises and equipment expense | $564,000 | 3,036 |
| Additional noninterest expense | $941,000 | 3,675 |
| Pre-tax net operating income | $-695,000 | 8,660 |
| Securities gains (losses) | $347,000 | 348 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-348,000 | 8,586 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-348,000 | 8,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,713 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-695,000 | 8,673 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,322,000 | 5,290 |
| Total interest expense | $1,236,000 | 3,543 |
| Net interest income | $1,086,000 | 6,442 |
| Provision for loan and lease losses | $38,000 | 4,924 |
| Total noninterest income | $152,000 | 6,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $152,000 | 4,291 |
| Total noninterest expense | $1,706,000 | 4,327 |
| Salaries and employee benefits | $752,000 | 5,011 |
| Premises and equipment expense | $390,000 | 2,912 |
| Additional noninterest expense | $564,000 | 3,987 |
| Pre-tax net operating income | $-506,000 | 8,674 |
| Securities gains (losses) | $303,000 | 332 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-203,000 | 8,586 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-203,000 | 8,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,224 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-506,000 | 8,689 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,112,000 | 5,414 |
| Total interest expense | $552,000 | 3,743 |
| Net interest income | $560,000 | 6,406 |
| Provision for loan and lease losses | $-2,000 | 8,682 |
| Total noninterest income | $102,000 | 5,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $102,000 | 3,698 |
| Total noninterest expense | $869,000 | 4,275 |
| Salaries and employee benefits | $362,000 | 5,164 |
| Premises and equipment expense | $190,000 | 3,006 |
| Additional noninterest expense | $317,000 | 3,630 |
| Pre-tax net operating income | $-205,000 | 8,729 |
| Securities gains (losses) | $130,000 | 326 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-75,000 | 8,633 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-75,000 | 8,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 847 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-205,000 | 8,735 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,375,000 | 5,273 |
| Total interest expense | $2,098,000 | 3,506 |
| Net interest income | $2,277,000 | 6,278 |
| Provision for loan and lease losses | $127,000 | 4,522 |
| Total noninterest income | $660,000 | 4,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $660,000 | 2,818 |
| Total noninterest expense | $3,167,000 | 4,485 |
| Salaries and employee benefits | $1,251,000 | 5,569 |
| Premises and equipment expense | $746,000 | 2,962 |
| Additional noninterest expense | $1,170,000 | 3,833 |
| Pre-tax net operating income | $-357,000 | 8,595 |
| Securities gains (losses) | $597,000 | 407 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $240,000 | 7,460 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $240,000 | 7,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,425 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-357,000 | 8,624 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,313,000 | 5,222 |
| Total interest expense | $1,588,000 | 3,442 |
| Net interest income | $1,725,000 | 6,252 |
| Provision for loan and lease losses | $123,000 | 3,948 |
| Total noninterest income | $581,000 | 4,166 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $581,000 | 2,550 |
| Total noninterest expense | $2,375,000 | 4,460 |
| Salaries and employee benefits | $952,000 | 5,480 |
| Premises and equipment expense | $573,000 | 2,906 |
| Additional noninterest expense | $850,000 | 3,895 |
| Pre-tax net operating income | $-192,000 | 8,643 |
| Securities gains (losses) | $490,000 | 429 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $298,000 | 6,907 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $298,000 | 6,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,094 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-192,000 | 8,646 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,314,000 | 5,096 |
| Total interest expense | $1,084,000 | 3,348 |
| Net interest income | $1,230,000 | 6,084 |
| Provision for loan and lease losses | $48,000 | 4,777 |
| Total noninterest income | $173,000 | 6,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $173,000 | 4,032 |
| Total noninterest expense | $1,454,000 | 4,754 |
| Salaries and employee benefits | $649,000 | 5,450 |
| Premises and equipment expense | $391,000 | 2,835 |
| Additional noninterest expense | $414,000 | 4,949 |
| Pre-tax net operating income | $-99,000 | 8,695 |
| Securities gains (losses) | $414,000 | 397 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $315,000 | 5,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $315,000 | 5,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-99,000 | 8,698 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,171,000 | 5,080 |
| Total interest expense | $541,000 | 3,405 |
| Net interest income | $630,000 | 5,985 |
| Provision for loan and lease losses | $27,000 | 4,453 |
| Total noninterest income | $104,000 | 5,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $104,000 | 3,624 |
| Total noninterest expense | $745,000 | 4,712 |
| Salaries and employee benefits | $329,000 | 5,418 |
| Premises and equipment expense | $202,000 | 2,787 |
| Additional noninterest expense | $214,000 | 4,834 |
| Pre-tax net operating income | $-38,000 | 8,699 |
| Securities gains (losses) | $253,000 | 424 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $215,000 | 5,157 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $215,000 | 5,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-38,000 | 8,701 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,704,000 | 5,103 |
| Total interest expense | $2,325,000 | 3,537 |
| Net interest income | $2,379,000 | 6,057 |
| Provision for loan and lease losses | $159,000 | 4,488 |
| Total noninterest income | $234,000 | 7,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $234,000 | 4,971 |
| Total noninterest expense | $3,072,000 | 4,535 |
| Salaries and employee benefits | $1,526,000 | 4,791 |
| Premises and equipment expense | $816,000 | 2,710 |
| Additional noninterest expense | $730,000 | 5,362 |
| Pre-tax net operating income | $-618,000 | 8,870 |
| Securities gains (losses) | $804,000 | 556 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $186,000 | 7,831 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $186,000 | 7,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-618,000 | 8,886 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,535,000 | 5,157 |
| Total interest expense | $1,762,000 | 3,617 |
| Net interest income | $1,773,000 | 6,101 |
| Provision for loan and lease losses | $144,000 | 3,991 |
| Total noninterest income | $171,000 | 7,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $171,000 | 5,087 |
| Total noninterest expense | $2,295,000 | 4,532 |
| Salaries and employee benefits | $1,176,000 | 4,690 |
| Premises and equipment expense | $606,000 | 2,746 |
| Additional noninterest expense | $513,000 | 5,547 |
| Pre-tax net operating income | $-495,000 | 8,956 |
| Securities gains (losses) | $675,000 | 572 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $180,000 | 7,715 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $180,000 | 7,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-495,000 | 8,969 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,405,000 | 5,127 |
| Total interest expense | $1,200,000 | 3,666 |
| Net interest income | $1,205,000 | 6,049 |
| Provision for loan and lease losses | $114,000 | 3,657 |
| Total noninterest income | $104,000 | 7,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $104,000 | 5,264 |
| Total noninterest expense | $1,547,000 | 4,487 |
| Salaries and employee benefits | $801,000 | 4,597 |
| Premises and equipment expense | $405,000 | 2,730 |
| Additional noninterest expense | $341,000 | 5,557 |
| Pre-tax net operating income | $-352,000 | 9,008 |
| Securities gains (losses) | $499,000 | 570 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $147,000 | 7,481 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $147,000 | 7,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-352,000 | 9,024 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,200,000 | 5,156 |
| Total interest expense | $609,000 | 3,701 |
| Net interest income | $591,000 | 6,096 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $50,000 | 7,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $50,000 | 5,268 |
| Total noninterest expense | $783,000 | 4,432 |
| Salaries and employee benefits | $407,000 | 4,562 |
| Premises and equipment expense | $200,000 | 2,759 |
| Additional noninterest expense | $176,000 | 5,433 |
| Pre-tax net operating income | $-172,000 | 9,065 |
| Securities gains (losses) | $202,000 | 657 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $30,000 | 8,281 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $30,000 | 8,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-172,000 | 9,055 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,435,000 | 5,583 |
| Total interest expense | $2,253,000 | 4,447 |
| Net interest income | $2,182,000 | 6,354 |
| Provision for loan and lease losses | $68,000 | 6,337 |
| Total noninterest income | $292,000 | 6,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $292,000 | 4,321 |
| Total noninterest expense | $3,463,000 | 4,002 |
| Salaries and employee benefits | $1,522,000 | 4,647 |
| Premises and equipment expense | $751,000 | 2,817 |
| Additional noninterest expense | $1,190,000 | 3,628 |
| Pre-tax net operating income | $-1,057,000 | 9,134 |
| Securities gains (losses) | $945,000 | 439 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-112,000 | 8,848 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-112,000 | 8,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,046 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,057,000 | 9,156 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,268,000 | 6,133 |
| Total interest expense | $2,795,000 | 5,000 |
| Net interest income | $1,473,000 | 7,385 |
| Provision for loan and lease losses | $56,000 | 6,538 |
| Total noninterest income | $136,000 | 8,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $136,000 | 5,723 |
| Total noninterest expense | $2,151,000 | 5,472 |
| Salaries and employee benefits | $1,126,000 | 5,557 |
| Premises and equipment expense | $468,000 | 4,115 |
| Additional noninterest expense | $557,000 | 6,119 |
| Pre-tax net operating income | $-598,000 | 9,210 |
| Securities gains (losses) | $679,000 | 517 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $81,000 | 8,440 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $81,000 | 8,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-598,000 | 9,242 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,462,000 | 7,945 |
| Total interest expense | $1,640,000 | 6,876 |
| Net interest income | $822,000 | 8,846 |
| Provision for loan and lease losses | $165,000 | 4,200 |
| Total noninterest income | $49,000 | 9,349 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $49,000 | 7,858 |
| Total noninterest expense | $1,687,000 | 6,293 |
| Salaries and employee benefits | $946,000 | 6,142 |
| Premises and equipment expense | $294,000 | 5,492 |
| Additional noninterest expense | $447,000 | 6,795 |
| Pre-tax net operating income | $-981,000 | 9,717 |
| Securities gains (losses) | $259,000 | 367 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-722,000 | 9,667 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-722,000 | 9,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-981,000 | 9,727 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $399,000 | 10,025 |
| Total interest expense | $216,000 | 9,914 |
| Net interest income | $183,000 | 10,076 |
| Provision for loan and lease losses | $35,000 | 7,095 |
| Total noninterest income | $5,000 | 10,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $812,000 | 8,689 |
| Salaries and employee benefits | $494,000 | 8,370 |
| Premises and equipment expense | $109,000 | 8,449 |
| Additional noninterest expense | $209,000 | 8,940 |
| Pre-tax net operating income | $-659,000 | 9,951 |
| Securities gains (losses) | $29,000 | 1,221 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-630,000 | 9,972 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-630,000 | 9,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 847 |
| Net operating income | $-659,000 | 9,972 |
* 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.