Home > Issaquah Bank > Income and Expense

Issaquah Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$1,876,000	3,566
Total interest expense	$489,000	3,712
Net interest income	$1,387,000	3,469
Provision for loan and lease losses	$0	6,501
Total noninterest income	$108,000	5,602
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$78,000	4,175
Trading account gains and fees	$0	121
Additional Noninterest Income	$30,000	6,109
Total noninterest expense	$1,107,000	3,476
Salaries and employee benefits	$552,000	3,711
Premises and equipment expense	$104,000	4,667
Additional noninterest expense	$451,000	2,602
Pre-tax net operating income	$388,000	4,153
Securities gains (losses)	$-1,000	8,686
Applicable income taxes	$133,000	3,317
Income before extraordinary items	$254,000	4,707
Extraordinary gains, net	$0	16
Net income	$254,000	4,706
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$600,000	1,018
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$254,660	4,579
2003-12-31 (YTD Data)		Rank
Total interest income	$7,379,000	3,653
Total interest expense	$2,152,000	3,795
Net interest income	$5,227,000	3,570
Provision for loan and lease losses	$190,000	4,118
Total noninterest income	$495,000	5,468
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$352,000	3,931
Trading account gains and fees	$0	160
Additional Noninterest Income	$143,000	5,905
Total noninterest expense	$3,349,000	4,270
Salaries and employee benefits	$1,926,000	4,056
Premises and equipment expense	$261,000	6,058
Additional noninterest expense	$1,162,000	3,820
Pre-tax net operating income	$2,183,000	3,188
Securities gains (losses)	$238,000	1,221
Applicable income taxes	$814,000	2,505
Income before extraordinary items	$1,607,000	3,394
Extraordinary gains, net	$0	54
Net income	$1,607,000	3,395
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,652
Cash dividends	$50,000	5,907
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,449,920	3,488
2003-09-30 (YTD Data)		Rank
Total interest income	$5,540,000	3,696
Total interest expense	$1,651,000	3,840
Net interest income	$3,889,000	3,613
Provision for loan and lease losses	$190,000	3,426
Total noninterest income	$368,000	5,517
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$266,000	3,927
Trading account gains and fees	$0	153
Additional Noninterest Income	$102,000	6,046
Total noninterest expense	$2,483,000	4,294
Salaries and employee benefits	$1,456,000	4,019
Premises and equipment expense	$188,000	6,155
Additional noninterest expense	$839,000	3,932
Pre-tax net operating income	$1,584,000	3,405
Securities gains (losses)	$238,000	1,123
Applicable income taxes	$613,000	2,630
Income before extraordinary items	$1,209,000	3,479
Extraordinary gains, net	$0	40
Net income	$1,209,000	3,478
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,765
Cash dividends	$50,000	5,093
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,051,920	3,703
2003-06-30 (YTD Data)		Rank
Total interest income	$3,710,000	3,712
Total interest expense	$1,128,000	3,868
Net interest income	$2,582,000	3,610
Provision for loan and lease losses	$190,000	2,598
Total noninterest income	$255,000	5,413
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$182,000	3,835
Trading account gains and fees	$0	150
Additional Noninterest Income	$73,000	5,914
Total noninterest expense	$1,642,000	4,310
Salaries and employee benefits	$951,000	4,077
Premises and equipment expense	$127,000	6,126
Additional noninterest expense	$564,000	3,884
Pre-tax net operating income	$1,005,000	3,512
Securities gains (losses)	$238,000	940
Applicable income taxes	$417,000	2,615
Income before extraordinary items	$826,000	3,425
Extraordinary gains, net	$0	30
Net income	$826,000	3,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	3,150
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$668,920	3,815
2003-03-31 (YTD Data)		Rank
Total interest income	$1,793,000	3,830
Total interest expense	$553,000	4,029
Net interest income	$1,240,000	3,711
Provision for loan and lease losses	$60,000	3,248
Total noninterest income	$129,000	5,276
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$92,000	3,749
Trading account gains and fees	$0	134
Additional Noninterest Income	$37,000	5,843
Total noninterest expense	$816,000	4,302
Salaries and employee benefits	$469,000	4,095
Premises and equipment expense	$67,000	5,985
Additional noninterest expense	$280,000	3,863
Pre-tax net operating income	$493,000	3,530
Securities gains (losses)	$238,000	597
Applicable income taxes	$245,000	2,352
Income before extraordinary items	$486,000	3,012
Extraordinary gains, net	$0	21
Net income	$486,000	3,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,852
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$328,920	3,801
2002-12-31 (YTD Data)		Rank
Total interest income	$7,321,000	3,906
Total interest expense	$2,441,000	4,179
Net interest income	$4,880,000	3,738
Provision for loan and lease losses	$510,000	2,348
Total noninterest income	$496,000	5,241
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$350,000	3,866
Trading account gains and fees	$0	153
Additional Noninterest Income	$146,000	5,658
Total noninterest expense	$3,102,000	4,350
Salaries and employee benefits	$1,639,000	4,381
Premises and equipment expense	$261,000	5,987
Additional noninterest expense	$1,202,000	3,600
Pre-tax net operating income	$1,764,000	3,708
Securities gains (losses)	$315,000	869
Applicable income taxes	$694,000	2,864
Income before extraordinary items	$1,385,000	3,711
Extraordinary gains, net	$0	70
Net income	$1,385,000	3,711
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$390,000	1,973
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,173,950	4,044
2001-12-31 (YTD Data)		Rank
Total interest income	$7,390,000	4,276
Total interest expense	$3,272,000	4,418
Net interest income	$4,118,000	4,036
Provision for loan and lease losses	$457,000	2,365
Total noninterest income	$450,000	5,365
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$297,000	4,186
Trading account gains and fees	$0	177
Additional Noninterest Income	$153,000	5,514
Total noninterest expense	$2,815,000	4,559
Salaries and employee benefits	$1,434,000	4,666
Premises and equipment expense	$198,000	6,821
Additional noninterest expense	$1,183,000	3,543
Pre-tax net operating income	$1,296,000	4,232
Securities gains (losses)	$12,000	3,497
Applicable income taxes	$365,000	3,910
Income before extraordinary items	$943,000	4,440
Extraordinary gains, net	$0	105
Net income	$943,000	4,442
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,883
Cash dividends	$175,000	5,167
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$934,360	4,350
2000-12-31 (YTD Data)		Rank
Total interest income	$7,184,000	4,486
Total interest expense	$3,361,000	4,512
Net interest income	$3,823,000	4,329
Provision for loan and lease losses	$140,000	4,540
Total noninterest income	$415,000	5,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$275,000	4,290
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	5,650
Total noninterest expense	$2,636,000	4,677
Salaries and employee benefits	$1,293,000	4,923
Premises and equipment expense	$213,000	6,566
Additional noninterest expense	$1,130,000	3,626
Pre-tax net operating income	$1,462,000	4,136
Securities gains (losses)	$0	1,956
Applicable income taxes	$403,000	3,969
Income before extraordinary items	$1,059,000	4,214
Extraordinary gains, net	$0	38
Net income	$1,059,000	4,215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,164
Cash dividends	$745,000	2,810
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,059,000	4,218
1999-12-31 (YTD Data)		Rank
Total interest income	$5,832,000	5,047
Total interest expense	$2,304,000	5,482
Net interest income	$3,528,000	4,631
Provision for loan and lease losses	$161,000	4,095
Total noninterest income	$345,000	6,049
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$219,000	4,882
Trading account gains and fees	NA	NA
Additional Noninterest Income	$126,000	6,047
Total noninterest expense	$2,454,000	4,954
Salaries and employee benefits	$1,029,000	5,764
Premises and equipment expense	$217,000	6,545
Additional noninterest expense	$1,208,000	3,414
Pre-tax net operating income	$1,258,000	4,626
Securities gains (losses)	$-40,000	9,743
Applicable income taxes	$307,000	4,773
Income before extraordinary items	$911,000	4,712
Extraordinary gains, net	$0	35
Net income	$911,000	4,711
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,930
Cash dividends	$40,000	6,712
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$941,000	4,571
1998-12-31 (YTD Data)		Rank
Total interest income	$5,268,000	5,470
Total interest expense	$2,067,000	6,072
Net interest income	$3,201,000	4,910
Provision for loan and lease losses	$205,000	3,461
Total noninterest income	$309,000	6,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$215,000	4,944
Trading account gains and fees	NA	NA
Additional Noninterest Income	$94,000	6,772
Total noninterest expense	$2,173,000	5,278
Salaries and employee benefits	$970,000	5,894
Premises and equipment expense	$211,000	6,550
Additional noninterest expense	$992,000	3,992
Pre-tax net operating income	$1,132,000	5,060
Securities gains (losses)	$19,000	2,467
Applicable income taxes	$319,000	5,011
Income before extraordinary items	$832,000	5,062
Extraordinary gains, net	$0	32
Net income	$832,000	5,062
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,452
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$818,320	5,030
1997-12-31 (YTD Data)		Rank
Total interest income	$3,742,000	6,913
Total interest expense	$1,367,000	7,667
Net interest income	$2,375,000	6,249
Provision for loan and lease losses	$154,000	4,076
Total noninterest income	$217,000	7,628
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	6,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	7,697
Total noninterest expense	$1,814,000	6,043
Salaries and employee benefits	$874,000	6,414
Premises and equipment expense	$211,000	6,647
Additional noninterest expense	$729,000	5,065
Pre-tax net operating income	$624,000	7,311
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$164,000	7,403
Income before extraordinary items	$461,000	7,229
Extraordinary gains, net	$0	44
Net income	$461,000	7,231
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,540
Cash dividends	$35,000	7,413
Sale, conversion, retirement of capital stock, net	$60,000	823
Net operating income	$460,260	7,178
1996-12-31 (YTD Data)		Rank
Total interest income	$2,637,000	8,509
Total interest expense	$929,000	9,244
Net interest income	$1,708,000	7,763
Provision for loan and lease losses	$223,000	3,174
Total noninterest income	$235,000	7,787
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$148,000	6,499
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	7,512
Total noninterest expense	$1,299,000	7,663
Salaries and employee benefits	$607,000	8,078
Premises and equipment expense	$127,000	8,603
Additional noninterest expense	$565,000	6,579
Pre-tax net operating income	$421,000	8,390
Securities gains (losses)	$0	4,148
Applicable income taxes	$80,000	9,145
Income before extraordinary items	$341,000	8,072
Extraordinary gains, net	$0	53
Net income	$341,000	8,072
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$152,000	3,139
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$341,000	8,023
1995-12-31 (YTD Data)		Rank
Total interest income	$1,877,000	9,917
Total interest expense	$697,000	10,324
Net interest income	$1,180,000	9,396
Provision for loan and lease losses	$116,000	4,287
Total noninterest income	$138,000	9,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	7,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	10,525
Total noninterest expense	$1,015,000	8,884
Salaries and employee benefits	$420,000	9,794
Premises and equipment expense	$146,000	8,373
Additional noninterest expense	$449,000	7,716
Pre-tax net operating income	$187,000	10,542
Securities gains (losses)	$0	3,831
Applicable income taxes	$0	11,151
Income before extraordinary items	$187,000	10,080
Extraordinary gains, net	$0	65
Net income	$187,000	10,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$1,003,000	292
Net operating income	$187,000	10,047
1994-12-31 (YTD Data)		Rank
Total interest income	$1,191,000	11,370
Total interest expense	$391,000	11,629
Net interest income	$800,000	11,057
Provision for loan and lease losses	$81,000	5,013
Total noninterest income	$110,000	10,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,366
Total noninterest expense	$739,000	10,526
Salaries and employee benefits	$347,000	10,772
Premises and equipment expense	$111,000	9,669
Additional noninterest expense	$281,000	10,181
Pre-tax net operating income	$90,000	11,691
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$0	11,630
Income before extraordinary items	$91,000	11,469
Extraordinary gains, net	$0	249
Net income	$91,000	11,475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$90,000	11,520
1993-12-31 (YTD Data)		Rank
Total interest income	$396,000	13,128
Total interest expense	$99,000	13,175
Net interest income	$297,000	13,018
Provision for loan and lease losses	$68,000	6,717
Total noninterest income	$40,000	12,773
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	10,907
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,333
Total noninterest expense	$724,000	11,050
Salaries and employee benefits	$368,000	10,965
Premises and equipment expense	$102,000	10,386
Additional noninterest expense	$254,000	11,020
Pre-tax net operating income	$-455,000	12,837
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$-455,000	12,881
Extraordinary gains, net	$0	3,149
Net income	$-455,000	12,886
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$2,990,000	285
Net operating income	$-455,000	12,820

* 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.