Home > Friendship Bank > Income and Expense

Friendship Bank, Income and Expense

2004-12-31 (YTD Data)Rank
Total interest income$5,008,0004,842
Total interest expense$1,631,0004,273
Net interest income$3,377,0005,024
Provision for loan and lease losses$80,0005,318
Total noninterest income$470,0005,420
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$363,0003,854
Trading account gains and fees$0138
Additional Noninterest Income$107,0006,304
Total noninterest expense$3,238,0004,427
Salaries and employee benefits$1,702,0004,518
Premises and equipment expense$504,0004,066
Additional noninterest expense$1,032,0004,223
Pre-tax net operating income$529,0006,629
Securities gains (losses)$165,000934
Applicable income taxes$07,185
Income before extraordinary items$694,0005,609
Extraordinary gains, net$034
Net income$694,0005,610
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$324,0001,880
Cash dividends$521,0003,466
Sale, conversion, retirement of capital stock, net$0872
Net operating income$529,0006,173
2004-09-30 (YTD Data)Rank
Total interest income$3,786,0004,801
Total interest expense$1,216,0004,242
Net interest income$2,570,0004,965
Provision for loan and lease losses$80,0004,713
Total noninterest income$436,0004,912
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$297,0003,694
Trading account gains and fees$0134
Additional Noninterest Income$139,0005,282
Total noninterest expense$2,343,0004,503
Salaries and employee benefits$1,254,0004,536
Premises and equipment expense$409,0003,807
Additional noninterest expense$680,0004,631
Pre-tax net operating income$583,0005,975
Securities gains (losses)$144,000959
Applicable income taxes$07,220
Income before extraordinary items$727,0004,860
Extraordinary gains, net$026
Net income$727,0004,860
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$180,0002,038
Cash dividends$521,0002,615
Sale, conversion, retirement of capital stock, net$0738
Net operating income$583,0005,357
2004-06-30 (YTD Data)Rank
Total interest income$2,541,0004,788
Total interest expense$811,0004,239
Net interest income$1,730,0004,927
Provision for loan and lease losses$45,0004,838
Total noninterest income$264,0005,146
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$177,0003,959
Trading account gains and fees$0130
Additional Noninterest Income$87,0005,445
Total noninterest expense$1,584,0004,484
Salaries and employee benefits$794,0004,754
Premises and equipment expense$239,0004,211
Additional noninterest expense$551,0004,003
Pre-tax net operating income$365,0006,083
Securities gains (losses)$88,0001,116
Applicable income taxes$07,214
Income before extraordinary items$453,0004,984
Extraordinary gains, net$021
Net income$453,0004,984
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$140,0001,763
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$365,0005,471
2004-03-31 (YTD Data)Rank
Total interest income$1,308,0004,695
Total interest expense$413,0004,224
Net interest income$895,0004,844
Provision for loan and lease losses$40,0003,725
Total noninterest income$107,0005,629
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$84,0004,000
Trading account gains and fees$0121
Additional Noninterest Income$23,0006,579
Total noninterest expense$801,0004,476
Salaries and employee benefits$405,0004,698
Premises and equipment expense$120,0004,238
Additional noninterest expense$276,0004,011
Pre-tax net operating income$161,0006,293
Securities gains (losses)$16,0001,816
Applicable income taxes$07,103
Income before extraordinary items$177,0005,629
Extraordinary gains, net$016
Net income$177,0005,630
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0002,952
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$161,0005,722
2003-12-31 (YTD Data)Rank
Total interest income$5,775,0004,410
Total interest expense$2,325,0003,537
Net interest income$3,450,0004,851
Provision for loan and lease losses$729,0001,575
Total noninterest income$36,0008,888
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$388,0003,714
Trading account gains and fees$0160
Additional Noninterest Income$-352,0009,178
Total noninterest expense$3,676,0003,951
Salaries and employee benefits$1,555,0004,741
Premises and equipment expense$501,0004,048
Additional noninterest expense$1,620,0002,870
Pre-tax net operating income$-919,0008,954
Securities gains (losses)$-84,0009,007
Applicable income taxes$-2,0008,704
Income before extraordinary items$-1,001,0009,035
Extraordinary gains, net$054
Net income$-1,001,0009,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,023,000908
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-917,0008,972
2003-09-30 (YTD Data)Rank
Total interest income$4,340,0004,458
Total interest expense$1,882,0003,445
Net interest income$2,458,0005,031
Provision for loan and lease losses$704,0001,212
Total noninterest income$53,0008,672
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$294,0003,696
Trading account gains and fees$0153
Additional Noninterest Income$-241,0009,238
Total noninterest expense$2,676,0004,024
Salaries and employee benefits$1,213,0004,581
Premises and equipment expense$367,0004,122
Additional noninterest expense$1,096,0003,141
Pre-tax net operating income$-869,0009,060
Securities gains (losses)$-72,0009,095
Applicable income taxes$83,0005,769
Income before extraordinary items$-1,024,0009,128
Extraordinary gains, net$040
Net income$-1,024,0009,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$624,000995
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$-952,0009,080
2003-06-30 (YTD Data)Rank
Total interest income$2,968,0004,420
Total interest expense$1,359,0003,327
Net interest income$1,609,0005,086
Provision for loan and lease losses$554,0001,054
Total noninterest income$-8,0009,250
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$176,0003,918
Trading account gains and fees$0150
Additional Noninterest Income$-184,0009,269
Total noninterest expense$1,646,0004,302
Salaries and employee benefits$782,0004,685
Premises and equipment expense$238,0004,211
Additional noninterest expense$626,0003,590
Pre-tax net operating income$-599,0009,100
Securities gains (losses)$-28,0009,126
Applicable income taxes$07,529
Income before extraordinary items$-627,0009,161
Extraordinary gains, net$030
Net income$-627,0009,159
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$287,0001,288
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-599,0009,101
2003-03-31 (YTD Data)Rank
Total interest income$1,480,0004,453
Total interest expense$743,0003,148
Net interest income$737,0005,375
Provision for loan and lease losses$354,000815
Total noninterest income$73,0006,636
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$82,0004,012
Trading account gains and fees$0134
Additional Noninterest Income$-9,0009,278
Total noninterest expense$785,0004,427
Salaries and employee benefits$384,0004,751
Premises and equipment expense$118,0004,220
Additional noninterest expense$283,0003,827
Pre-tax net operating income$-329,0009,150
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$-329,0009,197
Extraordinary gains, net$021
Net income$-329,0009,193
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0003,694
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-329,0009,145
2002-12-31 (YTD Data)Rank
Total interest income$8,045,0003,626
Total interest expense$3,540,0003,060
Net interest income$4,505,0003,986
Provision for loan and lease losses$2,769,000579
Total noninterest income$4,0009,265
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$371,0003,712
Trading account gains and fees$0153
Additional Noninterest Income$-367,0009,347
Total noninterest expense$2,768,0004,725
Salaries and employee benefits$1,133,0005,696
Premises and equipment expense$469,0004,134
Additional noninterest expense$1,166,0003,695
Pre-tax net operating income$-1,028,0009,128
Securities gains (losses)$19,0003,191
Applicable income taxes$-158,0009,117
Income before extraordinary items$-851,0009,150
Extraordinary gains, net$070
Net income$-851,0009,146
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,253,000531
Cash dividends$75,0005,758
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-866,9609,113
2001-12-31 (YTD Data)Rank
Total interest income$9,897,0003,343
Total interest expense$5,696,0002,792
Net interest income$4,201,0003,979
Provision for loan and lease losses$686,0001,700
Total noninterest income$350,0006,022
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$370,0003,606
Trading account gains and fees$0177
Additional Noninterest Income$-20,0009,586
Total noninterest expense$2,440,0005,039
Salaries and employee benefits$1,072,0005,741
Premises and equipment expense$411,0004,510
Additional noninterest expense$957,0004,212
Pre-tax net operating income$1,425,0003,993
Securities gains (losses)$16,0003,318
Applicable income taxes$474,0003,414
Income before extraordinary items$967,0004,364
Extraordinary gains, net$0105
Net income$967,0004,365
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$498,0001,567
Cash dividends$175,0005,167
Sale, conversion, retirement of capital stock, net$0922
Net operating income$956,2804,283
2000-12-31 (YTD Data)Rank
Total interest income$8,941,0003,739
Total interest expense$4,866,0003,403
Net interest income$4,075,0004,120
Provision for loan and lease losses$1,125,000968
Total noninterest income$410,0005,471
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$301,0004,048
Trading account gains and feesNANA
Additional Noninterest Income$109,0006,226
Total noninterest expense$2,186,0005,358
Salaries and employee benefits$932,0006,198
Premises and equipment expense$347,0004,960
Additional noninterest expense$907,0004,307
Pre-tax net operating income$1,174,0004,783
Securities gains (losses)$-6,0008,044
Applicable income taxes$396,0003,994
Income before extraordinary items$772,0005,149
Extraordinary gains, net$038
Net income$772,0005,148
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$402,0001,472
Cash dividends$213,0005,034
Sale, conversion, retirement of capital stock, net$0969
Net operating income$775,9605,131
1999-12-31 (YTD Data)Rank
Total interest income$6,368,0004,762
Total interest expense$3,083,0004,501
Net interest income$3,285,0004,844
Provision for loan and lease losses$610,0001,476
Total noninterest income$365,0005,876
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$260,0004,418
Trading account gains and feesNANA
Additional Noninterest Income$105,0006,517
Total noninterest expense$1,887,0005,893
Salaries and employee benefits$1,015,0005,825
Premises and equipment expense$276,0005,735
Additional noninterest expense$596,0005,845
Pre-tax net operating income$1,153,0004,890
Securities gains (losses)$2,0002,566
Applicable income taxes$414,0004,069
Income before extraordinary items$741,0005,308
Extraordinary gains, net$035
Net income$741,0005,306
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0003,239
Cash dividends$219,0005,085
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$739,7205,273
1998-12-31 (YTD Data)Rank
Total interest income$4,066,0006,436
Total interest expense$1,916,0006,324
Net interest income$2,150,0006,390
Provision for loan and lease losses$269,0002,874
Total noninterest income$281,0006,653
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$196,0005,201
Trading account gains and feesNANA
Additional Noninterest Income$85,0007,031
Total noninterest expense$1,248,0007,411
Salaries and employee benefits$689,0007,249
Premises and equipment expense$183,0006,997
Additional noninterest expense$376,0007,417
Pre-tax net operating income$914,0005,691
Securities gains (losses)$1,0004,151
Applicable income taxes$312,0005,065
Income before extraordinary items$603,0006,038
Extraordinary gains, net$032
Net income$603,0006,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0005,546
Cash dividends$87,0006,425
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$602,3405,941
1997-12-31 (YTD Data)Rank
Total interest income$2,351,0008,573
Total interest expense$1,082,0008,458
Net interest income$1,269,0008,537
Provision for loan and lease losses$84,0005,567
Total noninterest income$177,0008,172
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$98,0007,244
Trading account gains and feesNANA
Additional Noninterest Income$79,0007,409
Total noninterest expense$828,0008,937
Salaries and employee benefits$440,0009,014
Premises and equipment expense$132,0008,186
Additional noninterest expense$256,0008,776
Pre-tax net operating income$534,0007,738
Securities gains (losses)$-3,0009,416
Applicable income taxes$181,0007,154
Income before extraordinary items$350,0007,998
Extraordinary gains, net$044
Net income$350,0008,001
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0006,932
Cash dividends$60,0007,029
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$351,9807,928
1996-12-31 (YTD Data)Rank
Total interest income$1,785,0009,681
Total interest expense$855,0009,470
Net interest income$930,0009,758
Provision for loan and lease losses$40,0006,972
Total noninterest income$74,00010,392
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$52,0008,785
Trading account gains and feesNANA
Additional Noninterest Income$22,00010,300
Total noninterest expense$521,00010,494
Salaries and employee benefits$283,00010,486
Premises and equipment expense$64,00010,248
Additional noninterest expense$174,00010,241
Pre-tax net operating income$443,0008,255
Securities gains (losses)$-5,0009,952
Applicable income taxes$134,0008,146
Income before extraordinary items$304,0008,391
Extraordinary gains, net$053
Net income$304,0008,388
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,733
Cash dividends$30,0007,843
Sale, conversion, retirement of capital stock, net$0953
Net operating income$307,4508,307
1995-12-31 (YTD Data)Rank
Total interest income$1,710,00010,162
Total interest expense$854,0009,779
Net interest income$856,00010,365
Provision for loan and lease losses$40,0006,618
Total noninterest income$135,0009,564
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$50,0009,237
Trading account gains and feesNANA
Additional Noninterest Income$85,0007,757
Total noninterest expense$602,00010,556
Salaries and employee benefits$323,00010,566
Premises and equipment expense$62,00010,713
Additional noninterest expense$217,00010,218
Pre-tax net operating income$349,0009,388
Securities gains (losses)$-40,00011,046
Applicable income taxes$53,00010,132
Income before extraordinary items$256,0009,360
Extraordinary gains, net$065
Net income$256,0009,364
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,876
Cash dividends$75,0007,260
Sale, conversion, retirement of capital stock, net$0809
Net operating income$289,2009,015
1994-12-31 (YTD Data)Rank
Total interest income$1,451,00010,834
Total interest expense$707,00010,054
Net interest income$744,00011,234
Provision for loan and lease losses$55,0005,922
Total noninterest income$78,00011,302
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0009,555
Trading account gains and feesNANA
Additional Noninterest Income$24,00011,176
Total noninterest expense$522,00011,495
Salaries and employee benefits$286,00011,337
Premises and equipment expense$29,00012,238
Additional noninterest expense$207,00011,059
Pre-tax net operating income$245,00010,535
Securities gains (losses)$-20,00010,331
Applicable income taxes$35,00010,807
Income before extraordinary items$190,00010,401
Extraordinary gains, net$0249
Net income$190,00010,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0005,738
Cash dividends$62,0007,665
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$206,80010,247
1993-12-31 (YTD Data)Rank
Total interest income$1,255,00011,775
Total interest expense$578,00011,275
Net interest income$677,00011,955
Provision for loan and lease losses$40,0007,927
Total noninterest income$72,00012,009
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$49,00010,111
Trading account gains and feesNANA
Additional Noninterest Income$23,00011,812
Total noninterest expense$522,00012,049
Salaries and employee benefits$288,00011,779
Premises and equipment expense$68,00011,579
Additional noninterest expense$166,00012,201
Pre-tax net operating income$187,00011,153
Securities gains (losses)$1,0007,052
Applicable income taxes$34,00011,288
Income before extraordinary items$154,00011,156
Extraordinary gains, net$16,0002,794
Net income$170,00011,069
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0006,866
Cash dividends$60,0007,697
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$153,18010,959
1992-12-31 (YTD Data)Rank
Total interest income$1,325,00012,348
Total interest expense$668,00011,975
Net interest income$657,00012,486
Provision for loan and lease losses$80,0007,886
Total noninterest income$73,00012,475
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$53,00010,193
Trading account gains and feesNANA
Additional Noninterest Income$20,00012,557
Total noninterest expense$534,00012,430
Salaries and employee benefits$300,00012,009
Premises and equipment expense$30,00013,418
Additional noninterest expense$204,00012,186
Pre-tax net operating income$116,00011,854
Securities gains (losses)$43,0004,369
Applicable income taxes$35,00011,656
Income before extraordinary items$124,00011,632
Extraordinary gains, net$01,422
Net income$124,00011,712
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$98,0005,971
Cash dividends$26,0008,330
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$90,46011,760

* 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.