Home > Gateway Savings Bank > Income and Expense
Gateway Savings Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 5,503 |
| Total interest expense | $1,271,000 | 4,549 |
| Net interest income | $1,249,000 | 6,114 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $257,000 | 5,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $257,000 | 3,276 |
| Total noninterest expense | $1,339,000 | 5,258 |
| Salaries and employee benefits | $775,000 | 5,088 |
| Premises and equipment expense | $296,000 | 3,809 |
| Additional noninterest expense | $268,000 | 6,392 |
| Pre-tax net operating income | $137,000 | 7,466 |
| Securities gains (losses) | $107,000 | 340 |
| Applicable income taxes | $73,000 | 4,872 |
| Income before extraordinary items | $171,000 | 6,990 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $171,000 | 6,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $96,100 | 7,564 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,232,000 | 5,525 |
| Total interest expense | $618,000 | 4,500 |
| Net interest income | $614,000 | 6,171 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $120,000 | 5,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $120,000 | 3,380 |
| Total noninterest expense | $673,000 | 5,250 |
| Salaries and employee benefits | $402,000 | 4,996 |
| Premises and equipment expense | $152,000 | 3,747 |
| Additional noninterest expense | $119,000 | 6,649 |
| Pre-tax net operating income | $46,000 | 7,744 |
| Securities gains (losses) | $-9,000 | 8,219 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $32,000 | 7,808 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $39,740 | 7,705 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,438,000 | 5,530 |
| Total interest expense | $1,898,000 | 4,587 |
| Net interest income | $2,540,000 | 5,996 |
| Provision for loan and lease losses | $107,000 | 4,721 |
| Total noninterest income | $653,000 | 4,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $653,000 | 2,900 |
| Total noninterest expense | $2,576,000 | 5,282 |
| Salaries and employee benefits | $1,545,000 | 4,952 |
| Premises and equipment expense | $471,000 | 4,357 |
| Additional noninterest expense | $560,000 | 6,254 |
| Pre-tax net operating income | $510,000 | 6,721 |
| Securities gains (losses) | $85,000 | 756 |
| Applicable income taxes | $195,000 | 4,701 |
| Income before extraordinary items | $400,000 | 6,778 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $400,000 | 6,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $343,050 | 6,985 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,246,000 | 5,571 |
| Total interest expense | $1,326,000 | 4,653 |
| Net interest income | $1,920,000 | 6,007 |
| Provision for loan and lease losses | $87,000 | 4,515 |
| Total noninterest income | $540,000 | 4,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $540,000 | 2,732 |
| Total noninterest expense | $1,928,000 | 5,264 |
| Salaries and employee benefits | $1,159,000 | 4,925 |
| Premises and equipment expense | $369,000 | 4,212 |
| Additional noninterest expense | $400,000 | 6,349 |
| Pre-tax net operating income | $445,000 | 6,593 |
| Securities gains (losses) | $67,000 | 792 |
| Applicable income taxes | $172,000 | 4,641 |
| Income before extraordinary items | $340,000 | 6,713 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $340,000 | 6,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $295,780 | 6,908 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 5,609 |
| Total interest expense | $832,000 | 4,678 |
| Net interest income | $1,255,000 | 6,049 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $226,000 | 5,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $226,000 | 3,553 |
| Total noninterest expense | $1,261,000 | 5,305 |
| Salaries and employee benefits | $768,000 | 4,944 |
| Premises and equipment expense | $233,000 | 4,340 |
| Additional noninterest expense | $260,000 | 6,402 |
| Pre-tax net operating income | $160,000 | 7,477 |
| Securities gains (losses) | $51,000 | 773 |
| Applicable income taxes | $67,000 | 5,256 |
| Income before extraordinary items | $144,000 | 7,400 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $144,000 | 7,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $109,320 | 7,629 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $987,000 | 5,773 |
| Total interest expense | $400,000 | 4,686 |
| Net interest income | $587,000 | 6,282 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $96,000 | 5,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,813 |
| Total noninterest expense | $617,000 | 5,426 |
| Salaries and employee benefits | $371,000 | 5,086 |
| Premises and equipment expense | $116,000 | 4,396 |
| Additional noninterest expense | $130,000 | 6,436 |
| Pre-tax net operating income | $36,000 | 8,080 |
| Securities gains (losses) | $22,000 | 766 |
| Applicable income taxes | $16,000 | 5,817 |
| Income before extraordinary items | $42,000 | 7,898 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $42,000 | 7,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $26,160 | 8,133 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 5,461 |
| Total interest expense | $1,633,000 | 4,265 |
| Net interest income | $2,488,000 | 6,021 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $441,000 | 5,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $441,000 | 3,541 |
| Total noninterest expense | $2,344,000 | 5,512 |
| Salaries and employee benefits | $1,325,000 | 5,364 |
| Premises and equipment expense | $455,000 | 4,370 |
| Additional noninterest expense | $564,000 | 6,185 |
| Pre-tax net operating income | $405,000 | 7,059 |
| Securities gains (losses) | $208,000 | 809 |
| Applicable income taxes | $187,000 | 4,839 |
| Income before extraordinary items | $426,000 | 6,645 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $426,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,541 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $282,480 | 7,256 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,087,000 | 5,463 |
| Total interest expense | $1,227,000 | 4,213 |
| Net interest income | $1,860,000 | 6,043 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $333,000 | 5,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $333,000 | 3,537 |
| Total noninterest expense | $1,732,000 | 5,531 |
| Salaries and employee benefits | $982,000 | 5,384 |
| Premises and equipment expense | $320,000 | 4,560 |
| Additional noninterest expense | $430,000 | 6,079 |
| Pre-tax net operating income | $326,000 | 7,065 |
| Securities gains (losses) | $168,000 | 857 |
| Applicable income taxes | $176,000 | 4,637 |
| Income before extraordinary items | $318,000 | 6,800 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $318,000 | 6,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $210,480 | 7,353 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,065,000 | 5,454 |
| Total interest expense | $817,000 | 4,214 |
| Net interest income | $1,248,000 | 6,030 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $214,000 | 5,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $214,000 | 3,611 |
| Total noninterest expense | $1,176,000 | 5,508 |
| Salaries and employee benefits | $680,000 | 5,285 |
| Premises and equipment expense | $210,000 | 4,621 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $196,000 | 7,219 |
| Securities gains (losses) | $124,000 | 905 |
| Applicable income taxes | $115,000 | 4,662 |
| Income before extraordinary items | $205,000 | 6,852 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 6,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,323 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $125,640 | 7,474 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,047,000 | 5,427 |
| Total interest expense | $400,000 | 4,340 |
| Net interest income | $647,000 | 5,885 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $101,000 | 5,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $101,000 | 3,702 |
| Total noninterest expense | $594,000 | 5,489 |
| Salaries and employee benefits | $341,000 | 5,286 |
| Premises and equipment expense | $116,000 | 4,345 |
| Additional noninterest expense | $137,000 | 6,271 |
| Pre-tax net operating income | $109,000 | 7,009 |
| Securities gains (losses) | $48,000 | 1,221 |
| Applicable income taxes | $57,000 | 4,676 |
| Income before extraordinary items | $100,000 | 6,881 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $100,000 | 6,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $69,280 | 7,346 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,037,000 | 5,615 |
| Total interest expense | $1,645,000 | 4,612 |
| Net interest income | $2,392,000 | 6,042 |
| Provision for loan and lease losses | $165,000 | 4,406 |
| Total noninterest income | $343,000 | 6,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $343,000 | 4,253 |
| Total noninterest expense | $1,938,000 | 6,092 |
| Salaries and employee benefits | $1,119,000 | 5,877 |
| Premises and equipment expense | $295,000 | 5,705 |
| Additional noninterest expense | $524,000 | 6,407 |
| Pre-tax net operating income | $632,000 | 6,233 |
| Securities gains (losses) | $363,000 | 936 |
| Applicable income taxes | $357,000 | 4,003 |
| Income before extraordinary items | $638,000 | 5,810 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $638,000 | 5,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,954 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $405,680 | 6,632 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,028,000 | 5,679 |
| Total interest expense | $1,241,000 | 4,711 |
| Net interest income | $1,787,000 | 6,076 |
| Provision for loan and lease losses | $120,000 | 4,343 |
| Total noninterest income | $261,000 | 6,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $261,000 | 4,297 |
| Total noninterest expense | $1,411,000 | 6,151 |
| Salaries and employee benefits | $815,000 | 5,956 |
| Premises and equipment expense | $207,000 | 5,905 |
| Additional noninterest expense | $389,000 | 6,421 |
| Pre-tax net operating income | $517,000 | 6,210 |
| Securities gains (losses) | $331,000 | 903 |
| Applicable income taxes | $313,000 | 3,838 |
| Income before extraordinary items | $535,000 | 5,674 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $535,000 | 5,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,672 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $323,160 | 6,639 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,994,000 | 5,759 |
| Total interest expense | $816,000 | 4,866 |
| Net interest income | $1,178,000 | 6,126 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $179,000 | 6,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $179,000 | 4,239 |
| Total noninterest expense | $904,000 | 6,326 |
| Salaries and employee benefits | $514,000 | 6,155 |
| Premises and equipment expense | $132,000 | 6,008 |
| Additional noninterest expense | $258,000 | 6,434 |
| Pre-tax net operating income | $378,000 | 5,999 |
| Securities gains (losses) | $230,000 | 959 |
| Applicable income taxes | $225,000 | 3,738 |
| Income before extraordinary items | $383,000 | 5,523 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $383,000 | 5,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,822 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $235,800 | 6,446 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $961,000 | 5,897 |
| Total interest expense | $403,000 | 5,018 |
| Net interest income | $558,000 | 6,296 |
| Provision for loan and lease losses | $36,000 | 4,248 |
| Total noninterest income | $90,000 | 6,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $90,000 | 4,120 |
| Total noninterest expense | $425,000 | 6,531 |
| Salaries and employee benefits | $245,000 | 6,326 |
| Premises and equipment expense | $65,000 | 6,056 |
| Additional noninterest expense | $115,000 | 6,763 |
| Pre-tax net operating income | $187,000 | 5,998 |
| Securities gains (losses) | $105,000 | 971 |
| Applicable income taxes | $108,000 | 3,802 |
| Income before extraordinary items | $184,000 | 5,527 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $184,000 | 5,525 |
| 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 | $116,800 | 6,445 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,457,000 | 6,379 |
| Total interest expense | $1,537,000 | 5,650 |
| Net interest income | $1,920,000 | 6,755 |
| Provision for loan and lease losses | $164,000 | 4,764 |
| Total noninterest income | $352,000 | 6,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $352,000 | 3,931 |
| Total noninterest expense | $1,433,000 | 6,994 |
| Salaries and employee benefits | $740,000 | 7,118 |
| Premises and equipment expense | $267,000 | 5,926 |
| Additional noninterest expense | $426,000 | 6,967 |
| Pre-tax net operating income | $675,000 | 6,172 |
| Securities gains (losses) | $193,000 | 1,199 |
| Applicable income taxes | $326,000 | 4,296 |
| Income before extraordinary items | $542,000 | 6,209 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $542,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 449 |
| Net operating income | $418,480 | 6,626 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,268,000 | 6,959 |
| Total interest expense | $1,853,000 | 6,344 |
| Net interest income | $1,415,000 | 7,489 |
| Provision for loan and lease losses | $62,000 | 6,322 |
| Total noninterest income | $207,000 | 7,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $207,000 | 4,858 |
| Total noninterest expense | $1,199,000 | 7,456 |
| Salaries and employee benefits | $610,000 | 7,620 |
| Premises and equipment expense | $285,000 | 5,692 |
| Additional noninterest expense | $304,000 | 7,827 |
| Pre-tax net operating income | $361,000 | 7,144 |
| Securities gains (losses) | $152,000 | 1,396 |
| Applicable income taxes | $194,000 | 5,086 |
| Income before extraordinary items | $319,000 | 7,022 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $319,000 | 7,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 473 |
| Net operating income | $221,720 | 7,472 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,334,000 | 8,090 |
| Total interest expense | $1,410,000 | 7,331 |
| Net interest income | $924,000 | 8,639 |
| Provision for loan and lease losses | $34,000 | 7,119 |
| Total noninterest income | $109,000 | 8,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $109,000 | 6,226 |
| Total noninterest expense | $920,000 | 8,249 |
| Salaries and employee benefits | $450,000 | 8,498 |
| Premises and equipment expense | $250,000 | 6,046 |
| Additional noninterest expense | $220,000 | 8,601 |
| Pre-tax net operating income | $79,000 | 8,877 |
| Securities gains (losses) | $19,000 | 967 |
| Applicable income taxes | $37,000 | 7,461 |
| Income before extraordinary items | $61,000 | 8,923 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $61,000 | 8,922 |
| 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 | $3,150,000 | 295 |
| Net operating income | $48,840 | 8,951 |
* 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.