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Founders Bank, SSB, Income and Expense

2011-06-30 (YTD Data)Rank
Total interest income$2,556,0004,600
Total interest expense$529,0004,499
Net interest income$2,027,0004,547
Provision for loan and lease losses$158,0003,835
Total noninterest income$563,0002,907
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$50,0005,535
Trading account gains and fees$0153
Additional Noninterest Income$513,0002,055
Total noninterest expense$2,627,0003,453
Salaries and employee benefits$1,139,0003,860
Premises and equipment expense$391,0003,010
Additional noninterest expense$1,097,0002,948
Pre-tax net operating income$-195,0006,550
Securities gains (losses)$02,914
Applicable income taxes$04,697
Income before extraordinary items$-195,0006,624
Extraordinary gains, net$015
Net income$-195,0006,624
Minority interest net income$089
Net income of bank and minority interests.$-195,0006,624
Net charge-offs$323,0002,611
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$5,000903
Net operating income$-195,0006,590
2011-03-31 (YTD Data)Rank
Total interest income$1,312,0004,540
Total interest expense$282,0004,465
Net interest income$1,030,0004,488
Provision for loan and lease losses$25,0004,826
Total noninterest income$300,0002,828
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$23,0005,623
Trading account gains and fees$0158
Additional Noninterest Income$277,0002,007
Total noninterest expense$1,253,0003,579
Salaries and employee benefits$605,0003,699
Premises and equipment expense$194,0003,063
Additional noninterest expense$454,0003,423
Pre-tax net operating income$52,0005,726
Securities gains (losses)$01,772
Applicable income taxes$04,545
Income before extraordinary items$52,0005,669
Extraordinary gains, net$09
Net income$52,0005,668
Minority interest net income$086
Net income of bank and minority interests.$52,0005,669
Net charge-offs$84,0002,913
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$52,0005,627
2010-12-31 (YTD Data)Rank
Total interest income$5,504,0004,554
Total interest expense$1,531,0004,223
Net interest income$3,973,0004,607
Provision for loan and lease losses$1,762,0002,244
Total noninterest income$515,0004,507
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$99,0005,495
Trading account gains and fees$0175
Additional Noninterest Income$416,0003,452
Total noninterest expense$5,068,0003,577
Salaries and employee benefits$2,252,0003,894
Premises and equipment expense$818,0002,934
Additional noninterest expense$1,998,0003,258
Pre-tax net operating income$-2,342,0006,831
Securities gains (losses)$121,0002,000
Applicable income taxes$04,655
Income before extraordinary items$-2,221,0006,892
Extraordinary gains, net$029
Net income$-2,221,0006,892
Minority interest net income$0111
Net income of bank and minority interests.$-2,221,0006,893
Net charge-offs$1,770,0001,998
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$5,283,000134
Net operating income$-2,342,0006,885
2010-09-30 (YTD Data)Rank
Total interest income$4,258,0004,556
Total interest expense$1,188,0004,273
Net interest income$3,070,0004,576
Provision for loan and lease losses$398,0003,918
Total noninterest income$300,0005,050
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$75,0005,574
Trading account gains and fees$0165
Additional Noninterest Income$225,0003,983
Total noninterest expense$3,362,0003,910
Salaries and employee benefits$1,659,0003,982
Premises and equipment expense$605,0003,010
Additional noninterest expense$1,098,0004,047
Pre-tax net operating income$-390,0006,466
Securities gains (losses)$121,0001,786
Applicable income taxes$04,726
Income before extraordinary items$-269,0006,507
Extraordinary gains, net$023
Net income$-269,0006,508
Minority interest net income$0110
Net income of bank and minority interests.$-269,0006,507
Net charge-offs$643,0002,725
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$5,241,000105
Net operating income$-390,0006,522
2010-06-30 (YTD Data)Rank
Total interest income$2,861,0004,579
Total interest expense$827,0004,257
Net interest income$2,034,0004,597
Provision for loan and lease losses$215,0004,117
Total noninterest income$69,0006,545
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$47,0005,677
Trading account gains and fees$0152
Additional Noninterest Income$22,0006,389
Total noninterest expense$2,128,0004,061
Salaries and employee benefits$1,074,0004,089
Premises and equipment expense$396,0003,079
Additional noninterest expense$658,0004,335
Pre-tax net operating income$-240,0006,489
Securities gains (losses)$3,0002,902
Applicable income taxes$04,691
Income before extraordinary items$-237,0006,612
Extraordinary gains, net$019
Net income$-237,0006,614
Minority interest net income$0105
Net income of bank and minority interests.$-237,0006,613
Net charge-offs$108,0004,157
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$3,344,000106
Net operating income$-240,0006,564
2010-03-31 (YTD Data)Rank
Total interest income$1,453,0004,592
Total interest expense$448,0004,201
Net interest income$1,005,0004,663
Provision for loan and lease losses$65,0004,501
Total noninterest income$30,0006,746
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$22,0005,793
Trading account gains and fees$0175
Additional Noninterest Income$8,0006,771
Total noninterest expense$1,062,0004,107
Salaries and employee benefits$550,0004,075
Premises and equipment expense$196,0003,173
Additional noninterest expense$316,0004,444
Pre-tax net operating income$-92,0006,632
Securities gains (losses)$1,0002,151
Applicable income taxes$04,611
Income before extraordinary items$-91,0006,732
Extraordinary gains, net$016
Net income$-91,0006,733
Minority interest net income$091
Net income of bank and minority interests.$-91,0006,732
Net charge-offs$05,610
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$2,089,00087
Net operating income$-92,0006,668
2009-12-31 (YTD Data)Rank
Total interest income$5,665,0004,789
Total interest expense$2,015,0004,436
Net interest income$3,650,0004,854
Provision for loan and lease losses$481,0004,595
Total noninterest income$305,0005,571
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$87,0005,935
Trading account gains and fees$0211
Additional Noninterest Income$218,0004,503
Total noninterest expense$4,205,0004,207
Salaries and employee benefits$2,235,0004,025
Premises and equipment expense$783,0003,181
Additional noninterest expense$1,187,0004,782
Pre-tax net operating income$-731,0006,133
Securities gains (losses)$109,0002,070
Applicable income taxes$04,388
Income before extraordinary items$-622,0006,149
Extraordinary gains, net$034
Net income$-622,0006,149
Minority interest net income$0115
Net income of bank and minority interests.$-622,0006,149
Net charge-offs$81,0005,873
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$2,172,000320
Net operating income$-731,0006,231
2009-09-30 (YTD Data)Rank
Total interest income$4,151,0004,908
Total interest expense$1,429,0004,734
Net interest income$2,722,0004,872
Provision for loan and lease losses$430,0004,065
Total noninterest income$194,0005,941
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$64,0006,008
Trading account gains and fees$0212
Additional Noninterest Income$130,0005,006
Total noninterest expense$3,131,0004,239
Salaries and employee benefits$1,663,0004,080
Premises and equipment expense$600,0003,164
Additional noninterest expense$868,0004,821
Pre-tax net operating income$-645,0006,440
Securities gains (losses)$87,0001,938
Applicable income taxes$04,592
Income before extraordinary items$-558,0006,474
Extraordinary gains, net$027
Net income$-558,0006,475
Minority interest net income$0118
Net income of bank and minority interests.$-558,0006,474
Net charge-offs$8,0006,593
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$95,000767
Net operating income$-645,0006,521
2009-06-30 (YTD Data)Rank
Total interest income$2,673,0005,040
Total interest expense$916,0004,947
Net interest income$1,757,0004,954
Provision for loan and lease losses$304,0003,661
Total noninterest income$60,0006,991
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$40,0006,076
Trading account gains and fees$0193
Additional Noninterest Income$20,0006,800
Total noninterest expense$2,073,0004,295
Salaries and employee benefits$1,103,0004,128
Premises and equipment expense$402,0003,168
Additional noninterest expense$568,0004,884
Pre-tax net operating income$-560,0006,687
Securities gains (losses)$87,0001,588
Applicable income taxes$04,657
Income before extraordinary items$-473,0006,739
Extraordinary gains, net$021
Net income$-473,0006,740
Minority interest net income$0112
Net income of bank and minority interests.$-473,0006,740
Net charge-offs$7,0006,140
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$15,0001,044
Net operating income$-560,0006,803
2009-03-31 (YTD Data)Rank
Total interest income$1,329,0005,097
Total interest expense$469,0005,003
Net interest income$860,0005,008
Provision for loan and lease losses$222,0002,722
Total noninterest income$31,0006,970
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$17,0006,257
Trading account gains and fees$0171
Additional Noninterest Income$14,0006,542
Total noninterest expense$1,057,0004,135
Salaries and employee benefits$561,0004,104
Premises and equipment expense$206,0003,143
Additional noninterest expense$290,0004,517
Pre-tax net operating income$-388,0007,188
Securities gains (losses)$87,0001,066
Applicable income taxes$04,835
Income before extraordinary items$-301,0007,207
Extraordinary gains, net$015
Net income$-301,0007,207
Minority interest net income$0102
Net income of bank and minority interests.$-301,0007,208
Net charge-offs$2,0005,430
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-388,0007,285
2008-12-31 (YTD Data)Rank
Total interest income$2,909,0006,684
Total interest expense$920,0006,920
Net interest income$1,989,0006,419
Provision for loan and lease losses$782,0003,083
Total noninterest income$20,0007,949
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$20,0007,038
Trading account gains and fees$0154
Additional Noninterest Income$07,939
Total noninterest expense$3,306,0004,819
Salaries and employee benefits$2,018,0004,415
Premises and equipment expense$326,0005,593
Additional noninterest expense$962,0004,938
Pre-tax net operating income$-2,079,0007,382
Securities gains (losses)$03,220
Applicable income taxes$-438,0007,449
Income before extraordinary items$-1,641,0007,252
Extraordinary gains, net$039
Net income$-1,641,0007,249
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0006,844
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$533,000544
Net operating income$-1,641,0007,357
2008-09-30 (YTD Data)Rank
Total interest income$1,780,0007,156
Total interest expense$509,0007,485
Net interest income$1,271,0006,821
Provision for loan and lease losses$563,0002,558
Total noninterest income$9,0008,124
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$9,0007,197
Trading account gains and fees$0148
Additional Noninterest Income$08,105
Total noninterest expense$2,202,0005,176
Salaries and employee benefits$1,376,0004,744
Premises and equipment expense$218,0005,881
Additional noninterest expense$608,0005,385
Pre-tax net operating income$-1,485,0007,726
Securities gains (losses)$03,106
Applicable income taxes$-313,0007,748
Income before extraordinary items$-1,172,0007,591
Extraordinary gains, net$031
Net income$-1,172,0007,589
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0006,241
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$491,000383
Net operating income$-1,172,0007,697
2008-06-30 (YTD Data)Rank
Total interest income$935,0007,577
Total interest expense$271,0007,808
Net interest income$664,0007,292
Provision for loan and lease losses$356,0002,303
Total noninterest income$4,0008,229
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$4,0007,287
Trading account gains and fees$0149
Additional Noninterest Income$08,191
Total noninterest expense$1,327,0005,502
Salaries and employee benefits$806,0005,188
Premises and equipment expense$152,0005,802
Additional noninterest expense$369,0005,650
Pre-tax net operating income$-1,015,0007,923
Securities gains (losses)$03,233
Applicable income taxes$-222,0008,000
Income before extraordinary items$-793,0007,902
Extraordinary gains, net$021
Net income$-793,0007,901
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0005,608
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$481,000266
Net operating income$-793,0007,879
2008-03-31 (YTD Data)Rank
Total interest income$394,0007,856
Total interest expense$95,0008,119
Net interest income$299,0007,500
Provision for loan and lease losses$246,0001,610
Total noninterest income$1,0008,296
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$1,0007,357
Trading account gains and fees$0158
Additional Noninterest Income$08,220
Total noninterest expense$580,0005,906
Salaries and employee benefits$336,0005,770
Premises and equipment expense$70,0006,040
Additional noninterest expense$174,0005,761
Pre-tax net operating income$-526,0008,102
Securities gains (losses)$02,688
Applicable income taxes$-95,0008,129
Income before extraordinary items$-431,0008,104
Extraordinary gains, net$015
Net income$-431,0008,103
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0004,488
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$86,000350
Net operating income$-431,0008,084
2007-12-31 (YTD Data)Rank
Total interest income$190,0008,491
Total interest expense$21,0008,480
Net interest income$169,0008,478
Provision for loan and lease losses$21,0006,304
Total noninterest income$08,422
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$07,508
Trading account gains and fees$0178
Additional Noninterest Income$08,329
Total noninterest expense$892,0007,807
Salaries and employee benefits$417,0008,017
Premises and equipment expense$122,0007,522
Additional noninterest expense$353,0007,290
Pre-tax net operating income$-744,0007,942
Securities gains (losses)$02,146
Applicable income taxes$-250,0008,167
Income before extraordinary items$-494,0007,874
Extraordinary gains, net$039
Net income$-494,0007,873
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$14,028,000135
Net operating income$-494,0007,864

* 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.