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Founders Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$1,560,0004,304
Total interest expense$439,0004,744
Net interest income$1,121,0004,036
Provision for loan and lease losses$06,934
Total noninterest income$127,0005,311
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$65,0004,539
Trading account gains and fees$0134
Additional Noninterest Income$62,0004,852
Total noninterest expense$895,0004,004
Salaries and employee benefits$410,0004,540
Premises and equipment expense$141,0003,672
Additional noninterest expense$344,0003,243
Pre-tax net operating income$353,0004,368
Securities gains (losses)$02,891
Applicable income taxes$121,0003,610
Income before extraordinary items$232,0004,923
Extraordinary gains, net$021
Net income$232,0004,922
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$232,0004,722
2002-12-31 (YTD Data)Rank
Total interest income$6,341,0004,398
Total interest expense$2,409,0004,225
Net interest income$3,932,0004,402
Provision for loan and lease losses$236,0004,022
Total noninterest income$417,0005,675
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$242,0004,778
Trading account gains and fees$0153
Additional Noninterest Income$175,0005,281
Total noninterest expense$2,912,0004,557
Salaries and employee benefits$1,462,0004,785
Premises and equipment expense$477,0004,079
Additional noninterest expense$973,0004,269
Pre-tax net operating income$1,201,0004,711
Securities gains (losses)$261,000995
Applicable income taxes$508,0003,413
Income before extraordinary items$954,0004,722
Extraordinary gains, net$070
Net income$954,0004,720
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$20,0006,210
Sale, conversion, retirement of capital stock, net$0862
Net operating income$784,3505,123
2001-12-31 (YTD Data)Rank
Total interest income$6,355,0004,760
Total interest expense$3,339,0004,352
Net interest income$3,016,0005,055
Provision for loan and lease losses$350,0002,901
Total noninterest income$260,0006,772
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$150,0005,795
Trading account gains and fees$0177
Additional Noninterest Income$110,0006,201
Total noninterest expense$2,461,0005,000
Salaries and employee benefits$1,278,0005,092
Premises and equipment expense$383,0004,736
Additional noninterest expense$800,0004,781
Pre-tax net operating income$465,0006,693
Securities gains (losses)$04,612
Applicable income taxes$151,0005,436
Income before extraordinary items$314,0007,050
Extraordinary gains, net$0105
Net income$314,0007,051
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$47,0005,258
Cash dividends$10,0006,518
Sale, conversion, retirement of capital stock, net$0922
Net operating income$314,0006,932
2000-12-31 (YTD Data)Rank
Total interest income$5,994,0005,084
Total interest expense$2,904,0005,044
Net interest income$3,090,0005,044
Provision for loan and lease losses$145,0004,470
Total noninterest income$170,0007,617
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$100,0006,564
Trading account gains and feesNANA
Additional Noninterest Income$70,0007,177
Total noninterest expense$1,991,0005,695
Salaries and employee benefits$1,005,0005,891
Premises and equipment expense$335,0005,088
Additional noninterest expense$651,0005,464
Pre-tax net operating income$1,124,0004,926
Securities gains (losses)$01,956
Applicable income taxes$422,0003,872
Income before extraordinary items$702,0005,419
Extraordinary gains, net$038
Net income$702,0005,419
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$702,0005,422
1999-12-31 (YTD Data)Rank
Total interest income$3,626,0006,697
Total interest expense$1,533,0006,895
Net interest income$2,093,0006,468
Provision for loan and lease losses$173,0003,934
Total noninterest income$117,0008,566
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$67,0007,426
Trading account gains and feesNANA
Additional Noninterest Income$50,0008,065
Total noninterest expense$1,553,0006,650
Salaries and employee benefits$769,0006,900
Premises and equipment expense$270,0005,798
Additional noninterest expense$514,0006,409
Pre-tax net operating income$484,0007,215
Securities gains (losses)$10,0001,755
Applicable income taxes$183,0005,889
Income before extraordinary items$311,0007,530
Extraordinary gains, net$035
Net income$311,0007,528
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$01,035
Net operating income$304,6007,543
1998-12-31 (YTD Data)Rank
Total interest income$2,799,0007,761
Total interest expense$1,253,0007,782
Net interest income$1,546,0007,579
Provision for loan and lease losses$90,0005,311
Total noninterest income$66,0009,582
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$38,0008,333
Trading account gains and feesNANA
Additional Noninterest Income$28,0009,114
Total noninterest expense$1,008,0008,091
Salaries and employee benefits$492,0008,413
Premises and equipment expense$115,0008,378
Additional noninterest expense$401,0007,210
Pre-tax net operating income$514,0007,293
Securities gains (losses)$32,0002,083
Applicable income taxes$196,0006,239
Income before extraordinary items$350,0007,533
Extraordinary gains, net$032
Net income$350,0007,533
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$45,0006,969
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$329,5207,572
1997-12-31 (YTD Data)Rank
Total interest income$1,604,0009,551
Total interest expense$599,0009,828
Net interest income$1,005,0009,172
Provision for loan and lease losses$106,0005,041
Total noninterest income$31,00010,561
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$19,0009,149
Trading account gains and feesNANA
Additional Noninterest Income$12,00010,305
Total noninterest expense$796,0009,050
Salaries and employee benefits$376,0009,411
Premises and equipment expense$106,0008,826
Additional noninterest expense$314,0008,183
Pre-tax net operating income$134,0009,926
Securities gains (losses)$5,0002,787
Applicable income taxes$44,0009,342
Income before extraordinary items$95,0009,992
Extraordinary gains, net$044
Net income$95,0009,993
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$91,6009,967
1996-12-31 (YTD Data)Rank
Total interest income$402,00011,305
Total interest expense$76,00011,344
Net interest income$326,00011,199
Provision for loan and lease losses$63,0006,028
Total noninterest income$4,00011,362
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$2,0009,861
Trading account gains and feesNANA
Additional Noninterest Income$2,00011,319
Total noninterest expense$531,00010,457
Salaries and employee benefits$253,00010,702
Premises and equipment expense$93,0009,472
Additional noninterest expense$185,00010,110
Pre-tax net operating income$-264,00011,113
Securities gains (losses)$6,0002,865
Applicable income taxes$-97,00011,168
Income before extraordinary items$-161,00011,071
Extraordinary gains, net$053
Net income$-161,00011,070
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$5,995,000115
Net operating income$-164,84011,036

* 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.