Home > Florida Savings Bank > Income and Expense
Florida Savings Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,027,000 | 4,043 |
| Total interest expense | $914,000 | 3,494 |
| Net interest income | $1,113,000 | 4,392 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $180,000 | 4,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $180,000 | 2,686 |
| Total noninterest expense | $1,015,000 | 3,981 |
| Salaries and employee benefits | $477,000 | 4,428 |
| Premises and equipment expense | $280,000 | 2,232 |
| Additional noninterest expense | $258,000 | 4,373 |
| Pre-tax net operating income | $248,000 | 5,394 |
| Securities gains (losses) | $9,000 | 604 |
| Applicable income taxes | $99,000 | 3,605 |
| Income before extraordinary items | $158,000 | 5,839 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $158,000 | 5,840 |
| 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 | $152,240 | 5,935 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,268,000 | 4,030 |
| Total interest expense | $2,653,000 | 3,667 |
| Net interest income | $4,615,000 | 4,187 |
| Provision for loan and lease losses | $105,000 | 4,737 |
| Total noninterest income | $956,000 | 3,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $956,000 | 2,278 |
| Total noninterest expense | $3,903,000 | 3,931 |
| Salaries and employee benefits | $1,845,000 | 4,391 |
| Premises and equipment expense | $1,075,000 | 2,224 |
| Additional noninterest expense | $983,000 | 4,475 |
| Pre-tax net operating income | $1,563,000 | 4,271 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $603,000 | 3,069 |
| Income before extraordinary items | $960,000 | 4,927 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $960,000 | 4,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,078 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $960,000 | 4,896 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,316,000 | 4,062 |
| Total interest expense | $1,862,000 | 3,702 |
| Net interest income | $3,454,000 | 4,186 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $734,000 | 3,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $734,000 | 2,241 |
| Total noninterest expense | $2,924,000 | 3,904 |
| Salaries and employee benefits | $1,379,000 | 4,368 |
| Premises and equipment expense | $807,000 | 2,216 |
| Additional noninterest expense | $738,000 | 4,457 |
| Pre-tax net operating income | $1,174,000 | 4,356 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $453,000 | 3,114 |
| Income before extraordinary items | $721,000 | 5,005 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $721,000 | 5,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,299 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $721,000 | 4,964 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,444,000 | 4,078 |
| Total interest expense | $1,168,000 | 3,692 |
| Net interest income | $2,276,000 | 4,213 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $475,000 | 3,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $475,000 | 2,268 |
| Total noninterest expense | $1,921,000 | 3,942 |
| Salaries and employee benefits | $893,000 | 4,455 |
| Premises and equipment expense | $538,000 | 2,204 |
| Additional noninterest expense | $490,000 | 4,444 |
| Pre-tax net operating income | $770,000 | 4,367 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $297,000 | 3,126 |
| Income before extraordinary items | $473,000 | 5,020 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $473,000 | 5,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,534 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $473,000 | 4,968 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,655,000 | 4,175 |
| Total interest expense | $565,000 | 3,680 |
| Net interest income | $1,090,000 | 4,350 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $207,000 | 3,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $207,000 | 2,437 |
| Total noninterest expense | $964,000 | 3,956 |
| Salaries and employee benefits | $446,000 | 4,475 |
| Premises and equipment expense | $269,000 | 2,209 |
| Additional noninterest expense | $249,000 | 4,376 |
| Pre-tax net operating income | $303,000 | 4,967 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $116,000 | 3,521 |
| Income before extraordinary items | $187,000 | 5,595 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $187,000 | 5,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,365 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $187,000 | 5,552 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 4,667 |
| Total interest expense | $1,862,000 | 3,861 |
| Net interest income | $3,418,000 | 4,984 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $942,000 | 3,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $942,000 | 2,236 |
| Total noninterest expense | $3,736,000 | 3,959 |
| Salaries and employee benefits | $1,750,000 | 4,424 |
| Premises and equipment expense | $1,035,000 | 2,215 |
| Additional noninterest expense | $951,000 | 4,536 |
| Pre-tax net operating income | $504,000 | 6,704 |
| Securities gains (losses) | $78,000 | 1,421 |
| Applicable income taxes | $227,000 | 4,588 |
| Income before extraordinary items | $355,000 | 6,995 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $355,000 | 6,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $305,080 | 7,152 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 4,827 |
| Total interest expense | $1,348,000 | 3,933 |
| Net interest income | $2,410,000 | 5,185 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $717,000 | 3,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $717,000 | 2,229 |
| Total noninterest expense | $2,796,000 | 3,935 |
| Salaries and employee benefits | $1,313,000 | 4,388 |
| Premises and equipment expense | $772,000 | 2,225 |
| Additional noninterest expense | $711,000 | 4,469 |
| Pre-tax net operating income | $241,000 | 7,498 |
| Securities gains (losses) | $78,000 | 1,346 |
| Applicable income taxes | $126,000 | 5,080 |
| Income before extraordinary items | $193,000 | 7,528 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $193,000 | 7,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $143,080 | 7,779 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 5,034 |
| Total interest expense | $858,000 | 4,063 |
| Net interest income | $1,499,000 | 5,411 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $506,000 | 3,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $506,000 | 2,173 |
| Total noninterest expense | $1,854,000 | 3,983 |
| Salaries and employee benefits | $870,000 | 4,432 |
| Premises and equipment expense | $510,000 | 2,242 |
| Additional noninterest expense | $474,000 | 4,509 |
| Pre-tax net operating income | $91,000 | 7,990 |
| Securities gains (losses) | $63,000 | 1,312 |
| Applicable income taxes | $62,000 | 5,405 |
| Income before extraordinary items | $92,000 | 7,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $92,000 | 7,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $51,680 | 8,167 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,170,000 | 5,083 |
| Total interest expense | $428,000 | 4,124 |
| Net interest income | $742,000 | 5,446 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $223,000 | 3,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $223,000 | 2,293 |
| Total noninterest expense | $928,000 | 3,998 |
| Salaries and employee benefits | $436,000 | 4,450 |
| Premises and equipment expense | $254,000 | 2,268 |
| Additional noninterest expense | $238,000 | 4,481 |
| Pre-tax net operating income | $7,000 | 8,469 |
| Securities gains (losses) | $62,000 | 1,078 |
| Applicable income taxes | $28,000 | 5,476 |
| Income before extraordinary items | $41,000 | 7,951 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $41,000 | 7,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,320 | 8,517 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,137,000 | 5,516 |
| Total interest expense | $1,723,000 | 4,485 |
| Net interest income | $2,414,000 | 6,020 |
| Provision for loan and lease losses | $-41,000 | 8,972 |
| Total noninterest income | $1,247,000 | 3,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,247,000 | 2,065 |
| Total noninterest expense | $3,436,000 | 4,178 |
| Salaries and employee benefits | $1,540,000 | 4,768 |
| Premises and equipment expense | $956,000 | 2,354 |
| Additional noninterest expense | $940,000 | 4,477 |
| Pre-tax net operating income | $266,000 | 7,569 |
| Securities gains (losses) | $32,000 | 2,881 |
| Applicable income taxes | $130,000 | 5,447 |
| Income before extraordinary items | $168,000 | 7,919 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $168,000 | 7,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $147,520 | 7,902 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,055,000 | 5,648 |
| Total interest expense | $1,299,000 | 4,577 |
| Net interest income | $1,756,000 | 6,136 |
| Provision for loan and lease losses | $69,000 | 5,341 |
| Total noninterest income | $995,000 | 3,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $995,000 | 2,055 |
| Total noninterest expense | $2,576,000 | 4,161 |
| Salaries and employee benefits | $1,160,000 | 4,746 |
| Premises and equipment expense | $692,000 | 2,437 |
| Additional noninterest expense | $724,000 | 4,363 |
| Pre-tax net operating income | $106,000 | 8,193 |
| Securities gains (losses) | $16,000 | 3,083 |
| Applicable income taxes | $62,000 | 6,040 |
| Income before extraordinary items | $60,000 | 8,468 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $60,000 | 8,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $49,760 | 8,420 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,048,000 | 5,658 |
| Total interest expense | $864,000 | 4,696 |
| Net interest income | $1,184,000 | 6,107 |
| Provision for loan and lease losses | $46,000 | 5,260 |
| Total noninterest income | $599,000 | 3,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $599,000 | 2,195 |
| Total noninterest expense | $1,681,000 | 4,236 |
| Salaries and employee benefits | $753,000 | 4,832 |
| Premises and equipment expense | $446,000 | 2,508 |
| Additional noninterest expense | $482,000 | 4,369 |
| Pre-tax net operating income | $56,000 | 8,331 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $27,000 | 6,403 |
| Income before extraordinary items | $32,000 | 8,563 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $32,000 | 8,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $30,080 | 8,459 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,044,000 | 5,626 |
| Total interest expense | $427,000 | 4,838 |
| Net interest income | $617,000 | 5,976 |
| Provision for loan and lease losses | $23,000 | 5,064 |
| Total noninterest income | $236,000 | 3,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $236,000 | 2,444 |
| Total noninterest expense | $816,000 | 4,302 |
| Salaries and employee benefits | $362,000 | 4,964 |
| Premises and equipment expense | $211,000 | 2,633 |
| Additional noninterest expense | $243,000 | 4,314 |
| Pre-tax net operating income | $14,000 | 8,532 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $6,000 | 8,683 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,000 | 8,680 |
| 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 | $4,720 | 8,608 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,943,000 | 5,950 |
| Total interest expense | $1,875,000 | 5,022 |
| Net interest income | $2,068,000 | 6,512 |
| Provision for loan and lease losses | $111,000 | 5,538 |
| Total noninterest income | $780,000 | 4,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $780,000 | 2,541 |
| Total noninterest expense | $2,362,000 | 5,278 |
| Salaries and employee benefits | $1,023,000 | 6,052 |
| Premises and equipment expense | $628,000 | 3,274 |
| Additional noninterest expense | $711,000 | 5,360 |
| Pre-tax net operating income | $375,000 | 7,271 |
| Securities gains (losses) | $10,000 | 3,604 |
| Applicable income taxes | $156,000 | 5,471 |
| Income before extraordinary items | $229,000 | 7,679 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $229,000 | 7,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,998 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $222,600 | 7,629 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,312,000 | 6,096 |
| Total interest expense | $2,658,000 | 5,175 |
| Net interest income | $1,654,000 | 7,056 |
| Provision for loan and lease losses | $320,000 | 3,073 |
| Total noninterest income | $513,000 | 4,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $513,000 | 3,084 |
| Total noninterest expense | $2,006,000 | 5,712 |
| Salaries and employee benefits | $904,000 | 6,356 |
| Premises and equipment expense | $448,000 | 4,253 |
| Additional noninterest expense | $654,000 | 5,523 |
| Pre-tax net operating income | $-159,000 | 8,923 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $-53,000 | 9,168 |
| Income before extraordinary items | $-90,000 | 8,946 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-90,000 | 8,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,668 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 473 |
| Net operating income | $-100,240 | 8,897 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,240,000 | 7,177 |
| Total interest expense | $2,016,000 | 6,252 |
| Net interest income | $1,224,000 | 8,020 |
| Provision for loan and lease losses | $131,000 | 4,674 |
| Total noninterest income | $342,000 | 5,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $342,000 | 3,668 |
| Total noninterest expense | $1,557,000 | 6,592 |
| Salaries and employee benefits | $803,000 | 6,716 |
| Premises and equipment expense | $424,000 | 4,319 |
| Additional noninterest expense | $330,000 | 7,715 |
| Pre-tax net operating income | $-122,000 | 9,270 |
| Securities gains (losses) | $-61,000 | 9,265 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-183,000 | 9,360 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-183,000 | 9,359 |
| 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 | $-122,000 | 9,291 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $861,000 | 9,731 |
| Total interest expense | $533,000 | 9,370 |
| Net interest income | $328,000 | 9,924 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $42,000 | 9,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $42,000 | 8,343 |
| Total noninterest expense | $983,000 | 8,181 |
| Salaries and employee benefits | $466,000 | 8,527 |
| Premises and equipment expense | $299,000 | 5,478 |
| Additional noninterest expense | $218,000 | 8,852 |
| Pre-tax net operating income | $-763,000 | 9,990 |
| Securities gains (losses) | $-107,000 | 9,967 |
| Applicable income taxes | $-330,000 | 10,102 |
| Income before extraordinary items | $-540,000 | 9,926 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-540,000 | 9,924 |
| 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 | $1,100,000 | 489 |
| Net operating income | $-471,520 | 9,860 |
* 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.