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Florida Bank, Income and Expense

2004-06-30 (YTD Data)Rank
Total interest income$22,715,000613
Total interest expense$7,831,000508
Net interest income$14,884,000650
Provision for loan and lease losses$10,800,000109
Total noninterest income$4,300,000697
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$837,0001,056
Trading account gains and fees$0130
Additional Noninterest Income$3,463,000538
Total noninterest expense$14,949,000568
Salaries and employee benefits$8,452,000528
Premises and equipment expense$1,426,000789
Additional noninterest expense$5,071,000532
Pre-tax net operating income$-6,565,0009,076
Securities gains (losses)$03,413
Applicable income taxes$-2,556,0009,066
Income before extraordinary items$-4,009,0009,065
Extraordinary gains, net$021
Net income$-4,009,0009,066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,037,000126
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-4,009,0009,058
2004-03-31 (YTD Data)Rank
Total interest income$11,399,000621
Total interest expense$3,895,000522
Net interest income$7,504,000655
Provision for loan and lease losses$2,115,000180
Total noninterest income$3,008,000539
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$420,0001,022
Trading account gains and fees$0121
Additional Noninterest Income$2,588,000405
Total noninterest expense$6,748,000631
Salaries and employee benefits$4,284,000525
Premises and equipment expense$708,000812
Additional noninterest expense$1,756,000716
Pre-tax net operating income$1,649,0001,283
Securities gains (losses)$02,934
Applicable income taxes$572,0001,178
Income before extraordinary items$1,077,0001,491
Extraordinary gains, net$016
Net income$1,077,0001,491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,920,000176
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$1,077,0001,405
2003-12-31 (YTD Data)Rank
Total interest income$43,454,000643
Total interest expense$16,194,000559
Net interest income$27,260,000694
Provision for loan and lease losses$2,936,000487
Total noninterest income$15,534,000480
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,595,0001,082
Trading account gains and fees$0160
Additional Noninterest Income$13,939,000359
Total noninterest expense$27,775,000616
Salaries and employee benefits$19,495,000464
Premises and equipment expense$2,580,000866
Additional noninterest expense$5,700,000897
Pre-tax net operating income$12,083,000725
Securities gains (losses)$04,500
Applicable income taxes$4,348,000690
Income before extraordinary items$7,735,000837
Extraordinary gains, net$054
Net income$7,735,000839
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,142,000830
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$7,735,000784
2003-09-30 (YTD Data)Rank
Total interest income$32,068,000670
Total interest expense$12,213,000586
Net interest income$19,855,000721
Provision for loan and lease losses$2,452,000450
Total noninterest income$12,123,000484
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,183,0001,101
Trading account gains and fees$0153
Additional Noninterest Income$10,940,000370
Total noninterest expense$20,814,000622
Salaries and employee benefits$14,828,000466
Premises and equipment expense$1,822,000935
Additional noninterest expense$4,164,000926
Pre-tax net operating income$8,712,000781
Securities gains (losses)$04,204
Applicable income taxes$3,116,000747
Income before extraordinary items$5,596,000909
Extraordinary gains, net$040
Net income$5,596,000909
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,128,000637
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$5,596,000835
2003-06-30 (YTD Data)Rank
Total interest income$20,874,000691
Total interest expense$8,093,000604
Net interest income$12,781,000750
Provision for loan and lease losses$1,852,000410
Total noninterest income$8,824,000462
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$751,0001,132
Trading account gains and fees$0150
Additional Noninterest Income$8,073,000350
Total noninterest expense$13,858,000621
Salaries and employee benefits$10,142,000459
Premises and equipment expense$1,187,000970
Additional noninterest expense$2,529,0001,001
Pre-tax net operating income$5,895,000766
Securities gains (losses)$03,782
Applicable income taxes$2,089,000750
Income before extraordinary items$3,806,000892
Extraordinary gains, net$030
Net income$3,806,000893
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,118,000487
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$3,806,000822
2003-03-31 (YTD Data)Rank
Total interest income$9,749,000755
Total interest expense$3,948,000629
Net interest income$5,801,000837
Provision for loan and lease losses$889,000414
Total noninterest income$3,674,000514
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$344,0001,211
Trading account gains and fees$0134
Additional Noninterest Income$3,330,000392
Total noninterest expense$6,242,000673
Salaries and employee benefits$4,567,000496
Premises and equipment expense$585,000983
Additional noninterest expense$1,090,0001,135
Pre-tax net operating income$2,344,000948
Securities gains (losses)$02,891
Applicable income taxes$849,000913
Income before extraordinary items$1,495,0001,112
Extraordinary gains, net$021
Net income$1,495,0001,111
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$649,000415
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,495,0001,028
2002-12-31 (YTD Data)Rank
Total interest income$34,608,000885
Total interest expense$15,603,000726
Net interest income$19,005,0001,023
Provision for loan and lease losses$3,026,000541
Total noninterest income$4,044,0001,240
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$1,145,0001,413
Trading account gains and fees$0153
Additional Noninterest Income$2,899,0001,017
Total noninterest expense$14,601,0001,063
Salaries and employee benefits$9,384,000860
Premises and equipment expense$1,919,0001,150
Additional noninterest expense$3,298,0001,438
Pre-tax net operating income$5,422,0001,509
Securities gains (losses)$-4,0008,797
Applicable income taxes$2,039,0001,270
Income before extraordinary items$3,379,0001,769
Extraordinary gains, net$070
Net income$3,379,0001,768
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$455,0001,781
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,381,5601,720
2001-12-31 (YTD Data)Rank
Total interest income$30,695,0001,111
Total interest expense$16,259,000988
Net interest income$14,436,0001,236
Provision for loan and lease losses$1,899,000746
Total noninterest income$2,021,0001,999
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$903,0001,677
Trading account gains and fees$0177
Additional Noninterest Income$1,118,0001,891
Total noninterest expense$11,937,0001,220
Salaries and employee benefits$7,379,0001,014
Premises and equipment expense$1,594,0001,342
Additional noninterest expense$2,964,0001,564
Pre-tax net operating income$2,621,0002,573
Securities gains (losses)$04,612
Applicable income taxes$998,0002,072
Income before extraordinary items$1,623,0003,039
Extraordinary gains, net$0105
Net income$1,623,0003,043
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$708,0001,205
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,623,0002,939
2000-12-31 (YTD Data)Rank
Total interest income$22,438,0001,535
Total interest expense$13,205,0001,314
Net interest income$9,233,0001,907
Provision for loan and lease losses$1,977,000618
Total noninterest income$950,0003,247
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$527,0002,575
Trading account gains and fees$0180
Additional Noninterest Income$423,0003,223
Total noninterest expense$9,067,0001,544
Salaries and employee benefits$5,749,0001,238
Premises and equipment expense$1,372,0001,515
Additional noninterest expense$1,946,0002,227
Pre-tax net operating income$-861,0009,683
Securities gains (losses)$-5,0007,961
Applicable income taxes$-326,0009,748
Income before extraordinary items$-540,0009,590
Extraordinary gains, net$038
Net income$-540,0009,589
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$260,0002,003
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-536,8009,586
1999-12-31 (YTD Data)Rank
Total interest income$10,173,0003,177
Total interest expense$4,957,0002,945
Net interest income$5,216,0003,328
Provision for loan and lease losses$1,536,000686
Total noninterest income$545,0004,711
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$325,0003,761
Trading account gains and fees$0173
Additional Noninterest Income$220,0004,722
Total noninterest expense$6,367,0002,137
Salaries and employee benefits$4,237,0001,630
Premises and equipment expense$839,0002,410
Additional noninterest expense$1,291,0003,234
Pre-tax net operating income$-2,142,00010,159
Securities gains (losses)$-47,0009,777
Applicable income taxes$-900,00010,163
Income before extraordinary items$-1,289,00010,116
Extraordinary gains, net$035
Net income$-1,289,00010,116
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$825,000813
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-1,258,92010,106
1998-12-31 (YTD Data)Rank
Total interest income$4,903,0005,758
Total interest expense$2,436,0005,462
Net interest income$2,467,0005,899
Provision for loan and lease losses$629,0001,435
Total noninterest income$610,0004,334
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$285,0004,084
Trading account gains and feesNANA
Additional Noninterest Income$325,0003,847
Total noninterest expense$3,101,0003,998
Salaries and employee benefits$1,761,0003,742
Premises and equipment expense$463,0003,916
Additional noninterest expense$877,0004,377
Pre-tax net operating income$-653,00010,250
Securities gains (losses)$8,0003,124
Applicable income taxes$-183,00010,304
Income before extraordinary items$-462,00010,210
Extraordinary gains, net$032
Net income$-462,00010,208
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0005,453
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$358,000605
Net operating income$-467,76010,181
1997-12-31 (YTD Data)Rank
Total interest income$4,302,0006,384
Total interest expense$2,295,0005,726
Net interest income$2,007,0006,903
Provision for loan and lease losses$60,0006,153
Total noninterest income$496,0005,026
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$256,0004,579
Trading account gains and feesNANA
Additional Noninterest Income$240,0004,480
Total noninterest expense$1,843,0005,988
Salaries and employee benefits$999,0005,875
Premises and equipment expense$254,0006,002
Additional noninterest expense$590,0005,872
Pre-tax net operating income$600,0007,423
Securities gains (losses)$8,0002,485
Applicable income taxes$232,0006,470
Income before extraordinary items$376,0007,806
Extraordinary gains, net$044
Net income$376,0007,809
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0007,272
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$370,8807,797
1996-12-31 (YTD Data)Rank
Total interest income$3,614,0007,258
Total interest expense$1,871,0006,681
Net interest income$1,743,0007,678
Provision for loan and lease losses$60,0006,086
Total noninterest income$519,0005,036
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$280,0004,446
Trading account gains and feesNANA
Additional Noninterest Income$239,0004,664
Total noninterest expense$1,599,0006,848
Salaries and employee benefits$873,0006,599
Premises and equipment expense$227,0006,573
Additional noninterest expense$499,0007,061
Pre-tax net operating income$603,0007,406
Securities gains (losses)$-2,0009,485
Applicable income taxes$217,0006,883
Income before extraordinary items$384,0007,762
Extraordinary gains, net$053
Net income$384,0007,759
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-32,00010,866
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$385,2807,694
1995-12-31 (YTD Data)Rank
Total interest income$2,937,0008,302
Total interest expense$1,473,0007,780
Net interest income$1,464,0008,642
Provision for loan and lease losses$-138,00011,770
Total noninterest income$356,0006,407
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$189,0005,888
Trading account gains and feesNANA
Additional Noninterest Income$167,0005,659
Total noninterest expense$1,615,0006,940
Salaries and employee benefits$784,0007,195
Premises and equipment expense$346,0005,064
Additional noninterest expense$485,0007,389
Pre-tax net operating income$343,0009,437
Securities gains (losses)$13,0002,193
Applicable income taxes$011,151
Income before extraordinary items$356,0008,423
Extraordinary gains, net$065
Net income$356,0008,425
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,00010,916
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$343,0008,508
1994-12-31 (YTD Data)Rank
Total interest income$2,075,0009,662
Total interest expense$1,005,0008,671
Net interest income$1,070,00010,181
Provision for loan and lease losses$-15,00011,800
Total noninterest income$385,0006,284
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$155,0006,770
Trading account gains and feesNANA
Additional Noninterest Income$230,0004,815
Total noninterest expense$1,569,0007,382
Salaries and employee benefits$646,0008,298
Premises and equipment expense$435,0004,285
Additional noninterest expense$488,0007,969
Pre-tax net operating income$-99,00012,200
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$-99,00012,156
Extraordinary gains, net$0249
Net income$-99,00012,157
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-33,00011,643
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-99,00012,171
1993-12-31 (YTD Data)Rank
Total interest income$1,772,00010,654
Total interest expense$954,0009,319
Net interest income$818,00011,446
Provision for loan and lease losses$010,371
Total noninterest income$515,0005,487
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$167,0006,671
Trading account gains and feesNANA
Additional Noninterest Income$348,0004,118
Total noninterest expense$2,685,0004,953
Salaries and employee benefits$730,0007,781
Premises and equipment expense$1,144,0001,831
Additional noninterest expense$811,0005,867
Pre-tax net operating income$-1,352,00013,027
Securities gains (losses)$27,0004,244
Applicable income taxes$012,141
Income before extraordinary items$-1,325,00013,035
Extraordinary gains, net$03,149
Net income$-1,325,00013,038
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0005,209
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$1,600,000390
Net operating income$-1,352,00013,008
1992-12-31 (YTD Data)Rank
Total interest income$2,489,0009,941
Total interest expense$1,308,0009,196
Net interest income$1,181,00010,390
Provision for loan and lease losses$011,756
Total noninterest income$189,0009,628
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$114,0008,107
Trading account gains and feesNANA
Additional Noninterest Income$75,0009,058
Total noninterest expense$2,779,0004,854
Salaries and employee benefits$871,0006,801
Premises and equipment expense$632,0003,196
Additional noninterest expense$1,276,0004,110
Pre-tax net operating income$-1,409,00013,562
Securities gains (losses)$75,0003,478
Applicable income taxes$012,680
Income before extraordinary items$-1,334,00013,598
Extraordinary gains, net$01,422
Net income$-1,334,00013,592
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$293,0003,381
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-1,409,00013,553

* 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.