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Falls Bank, Income and Expense

2005-09-30 (YTD Data)Rank
Total interest income$3,109,0005,697
Total interest expense$1,638,0004,050
Net interest income$1,471,0006,716
Provision for loan and lease losses$06,899
Total noninterest income$333,0005,536
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$13,0007,555
Trading account gains and fees$0126
Additional Noninterest Income$320,0003,688
Total noninterest expense$1,896,0005,310
Salaries and employee benefits$874,0005,857
Premises and equipment expense$260,0005,309
Additional noninterest expense$762,0004,343
Pre-tax net operating income$-92,0008,424
Securities gains (losses)$02,317
Applicable income taxes$06,976
Income before extraordinary items$-92,0008,446
Extraordinary gains, net$035
Net income$-92,0008,447
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$53,0003,419
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$-92,0008,417
2005-06-30 (YTD Data)Rank
Total interest income$2,045,0005,678
Total interest expense$1,086,0003,909
Net interest income$959,0006,763
Provision for loan and lease losses$06,626
Total noninterest income$142,0006,438
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$7,0007,607
Trading account gains and fees$0116
Additional Noninterest Income$135,0004,544
Total noninterest expense$1,228,0005,391
Salaries and employee benefits$594,0005,786
Premises and equipment expense$172,0005,325
Additional noninterest expense$462,0004,640
Pre-tax net operating income$-127,0008,508
Securities gains (losses)$02,146
Applicable income taxes$06,961
Income before extraordinary items$-127,0008,534
Extraordinary gains, net$030
Net income$-127,0008,534
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$47,0002,796
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$-127,0008,509
2005-03-31 (YTD Data)Rank
Total interest income$1,021,0005,672
Total interest expense$543,0003,792
Net interest income$478,0006,825
Provision for loan and lease losses$06,226
Total noninterest income$125,0005,157
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$4,0007,641
Trading account gains and fees$0115
Additional Noninterest Income$121,0003,380
Total noninterest expense$641,0005,281
Salaries and employee benefits$316,0005,611
Premises and equipment expense$88,0005,294
Additional noninterest expense$237,0004,538
Pre-tax net operating income$-38,0008,548
Securities gains (losses)$01,685
Applicable income taxes$06,892
Income before extraordinary items$-38,0008,573
Extraordinary gains, net$024
Net income$-38,0008,573
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0001,841
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$-38,0008,546
2004-12-31 (YTD Data)Rank
Total interest income$3,909,0005,621
Total interest expense$1,871,0003,842
Net interest income$2,038,0006,576
Provision for loan and lease losses$07,314
Total noninterest income$671,0004,514
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$102,0006,451
Trading account gains and fees$0138
Additional Noninterest Income$569,0003,072
Total noninterest expense$2,203,0005,694
Salaries and employee benefits$1,035,0006,173
Premises and equipment expense$265,0006,036
Additional noninterest expense$903,0004,686
Pre-tax net operating income$506,0006,695
Securities gains (losses)$03,819
Applicable income taxes$172,0004,929
Income before extraordinary items$334,0007,087
Extraordinary gains, net$034
Net income$334,0007,088
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0006,277
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$-26,0008,880
Net operating income$334,0007,032
2004-09-30 (YTD Data)Rank
Total interest income$2,877,0005,673
Total interest expense$1,361,0003,892
Net interest income$1,516,0006,602
Provision for loan and lease losses$07,100
Total noninterest income$354,0005,438
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$68,0006,656
Trading account gains and fees$0134
Additional Noninterest Income$286,0003,822
Total noninterest expense$1,607,0005,754
Salaries and employee benefits$778,0006,109
Premises and equipment expense$194,0006,091
Additional noninterest expense$635,0004,867
Pre-tax net operating income$263,0007,399
Securities gains (losses)$03,710
Applicable income taxes$89,0005,465
Income before extraordinary items$174,0007,626
Extraordinary gains, net$026
Net income$174,0007,626
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0005,626
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$-26,0008,958
Net operating income$174,0007,577
2004-06-30 (YTD Data)Rank
Total interest income$1,893,0005,728
Total interest expense$868,0004,034
Net interest income$1,025,0006,598
Provision for loan and lease losses$06,885
Total noninterest income$172,0006,163
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$35,0007,014
Trading account gains and fees$0130
Additional Noninterest Income$137,0004,492
Total noninterest expense$1,041,0005,882
Salaries and employee benefits$509,0006,230
Premises and equipment expense$133,0006,029
Additional noninterest expense$399,0005,068
Pre-tax net operating income$156,0007,509
Securities gains (losses)$03,413
Applicable income taxes$53,0005,582
Income before extraordinary items$103,0007,749
Extraordinary gains, net$021
Net income$103,0007,751
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0004,984
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$-26,0009,029
Net operating income$103,0007,678
2004-03-31 (YTD Data)Rank
Total interest income$923,0005,851
Total interest expense$425,0004,147
Net interest income$498,0006,698
Provision for loan and lease losses$06,501
Total noninterest income$52,0007,147
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$3,0007,856
Trading account gains and fees$0121
Additional Noninterest Income$49,0005,162
Total noninterest expense$540,0005,794
Salaries and employee benefits$283,0005,919
Premises and equipment expense$76,0005,660
Additional noninterest expense$181,0005,416
Pre-tax net operating income$10,0008,435
Securities gains (losses)$02,934
Applicable income taxes$3,0006,752
Income before extraordinary items$7,0008,505
Extraordinary gains, net$016
Net income$7,0008,507
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0003,775
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$-26,0009,081
Net operating income$7,0008,444
2003-12-31 (YTD Data)Rank
Total interest income$3,745,0005,857
Total interest expense$1,669,0004,572
Net interest income$2,076,0006,469
Provision for loan and lease losses$07,651
Total noninterest income$325,0006,415
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$10,0007,936
Trading account gains and fees$0160
Additional Noninterest Income$315,0004,409
Total noninterest expense$1,853,0006,245
Salaries and employee benefits$998,0006,275
Premises and equipment expense$187,0006,942
Additional noninterest expense$668,0005,643
Pre-tax net operating income$548,0006,523
Securities gains (losses)$04,500
Applicable income taxes$211,0004,853
Income before extraordinary items$337,0007,099
Extraordinary gains, net$054
Net income$337,0007,100
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,416
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$337,0006,956
2003-09-30 (YTD Data)Rank
Total interest income$2,858,0005,872
Total interest expense$1,251,0004,689
Net interest income$1,607,0006,420
Provision for loan and lease losses$07,481
Total noninterest income$295,0006,051
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$10,0007,963
Trading account gains and fees$0153
Additional Noninterest Income$285,0004,125
Total noninterest expense$1,308,0006,428
Salaries and employee benefits$685,0006,534
Premises and equipment expense$126,0007,184
Additional noninterest expense$497,0005,660
Pre-tax net operating income$594,0005,907
Securities gains (losses)$04,204
Applicable income taxes$202,0004,627
Income before extraordinary items$392,0006,399
Extraordinary gains, net$040
Net income$392,0006,400
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$392,0006,223
2003-06-30 (YTD Data)Rank
Total interest income$1,954,0005,826
Total interest expense$858,0004,715
Net interest income$1,096,0006,373
Provision for loan and lease losses$07,324
Total noninterest income$228,0005,693
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$6,0008,002
Trading account gains and fees$0150
Additional Noninterest Income$222,0003,844
Total noninterest expense$880,0006,404
Salaries and employee benefits$448,0006,617
Premises and equipment expense$81,0007,268
Additional noninterest expense$351,0005,464
Pre-tax net operating income$444,0005,615
Securities gains (losses)$03,782
Applicable income taxes$172,0004,260
Income before extraordinary items$272,0006,328
Extraordinary gains, net$030
Net income$272,0006,327
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$272,0006,113
2003-03-31 (YTD Data)Rank
Total interest income$980,0005,836
Total interest expense$435,0004,772
Net interest income$545,0006,384
Provision for loan and lease losses$06,934
Total noninterest income$119,0005,479
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$4,0007,983
Trading account gains and fees$0134
Additional Noninterest Income$115,0003,679
Total noninterest expense$398,0006,736
Salaries and employee benefits$203,0006,940
Premises and equipment expense$36,0007,540
Additional noninterest expense$159,0005,740
Pre-tax net operating income$266,0005,111
Securities gains (losses)$02,891
Applicable income taxes$111,0003,758
Income before extraordinary items$155,0005,936
Extraordinary gains, net$021
Net income$155,0005,935
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$155,0005,746
2002-12-31 (YTD Data)Rank
Total interest income$3,707,0006,148
Total interest expense$1,668,0005,388
Net interest income$2,039,0006,565
Provision for loan and lease losses$164,0004,764
Total noninterest income$76,0008,681
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$18,0007,998
Trading account gains and fees$0153
Additional Noninterest Income$58,0007,401
Total noninterest expense$1,298,0007,248
Salaries and employee benefits$608,0007,676
Premises and equipment expense$140,0007,578
Additional noninterest expense$550,0006,227
Pre-tax net operating income$653,0006,238
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$653,0005,739
Extraordinary gains, net$070
Net income$653,0005,738
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$653,0005,598
2001-12-31 (YTD Data)Rank
Total interest income$2,866,0007,390
Total interest expense$1,414,0007,161
Net interest income$1,452,0007,415
Provision for loan and lease losses$159,0004,667
Total noninterest income$36,0009,303
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$18,0008,158
Trading account gains and fees$0177
Additional Noninterest Income$18,0008,807
Total noninterest expense$1,066,0007,789
Salaries and employee benefits$495,0008,206
Premises and equipment expense$132,0007,816
Additional noninterest expense$439,0006,860
Pre-tax net operating income$263,0007,577
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$263,0007,354
Extraordinary gains, net$0105
Net income$263,0007,356
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$263,0007,237
2000-12-31 (YTD Data)Rank
Total interest income$1,871,0008,544
Total interest expense$1,071,0008,081
Net interest income$800,0008,900
Provision for loan and lease losses$193,0003,828
Total noninterest income$11,0009,736
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$9,0008,434
Trading account gains and feesNANA
Additional Noninterest Income$2,0009,744
Total noninterest expense$931,0008,218
Salaries and employee benefits$467,0008,416
Premises and equipment expense$118,0008,135
Additional noninterest expense$346,0007,581
Pre-tax net operating income$-313,0009,427
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-313,0009,454
Extraordinary gains, net$038
Net income$-313,0009,452
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-313,0009,455
1999-12-31 (YTD Data)Rank
Total interest income$436,00010,009
Total interest expense$208,0009,925
Net interest income$228,00010,034
Provision for loan and lease losses$73,0005,834
Total noninterest income$1,00010,157
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0008,846
Trading account gains and feesNANA
Additional Noninterest Income$010,153
Total noninterest expense$805,0008,714
Salaries and employee benefits$365,0009,093
Premises and equipment expense$120,0008,235
Additional noninterest expense$320,0007,954
Pre-tax net operating income$-649,0009,945
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-649,0009,982
Extraordinary gains, net$035
Net income$-649,0009,982
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$7,045,000152
Net operating income$-649,0009,966

* 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.