Home > Loveland Bank of Commerce > Income and Expense

Loveland Bank of Commerce, Income and Expense

2010-12-31 (YTD Data)Rank
Total interest income$2,272,0006,532
Total interest expense$730,0005,893
Net interest income$1,542,0006,685
Provision for loan and lease losses$279,0004,955
Total noninterest income$148,0006,297
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$16,0006,659
Trading account gains and fees$0175
Additional Noninterest Income$132,0005,113
Total noninterest expense$1,155,0006,925
Salaries and employee benefits$306,0007,460
Premises and equipment expense$183,0006,349
Additional noninterest expense$666,0006,010
Pre-tax net operating income$256,0005,035
Securities gains (losses)$03,793
Applicable income taxes$-129,0006,878
Income before extraordinary items$385,0004,671
Extraordinary gains, net$029
Net income$385,0004,672
Minority interest net income$0111
Net income of bank and minority interests.$385,0004,672
Net charge-offs$295,0004,317
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$385,0004,518
2010-09-30 (YTD Data)Rank
Total interest income$1,698,0006,648
Total interest expense$576,0005,940
Net interest income$1,122,0006,810
Provision for loan and lease losses$239,0004,646
Total noninterest income$127,0006,278
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$3,0006,858
Trading account gains and fees$0165
Additional Noninterest Income$124,0004,938
Total noninterest expense$814,0007,049
Salaries and employee benefits$208,0007,594
Premises and equipment expense$131,0006,509
Additional noninterest expense$475,0006,152
Pre-tax net operating income$196,0005,269
Securities gains (losses)$03,651
Applicable income taxes$04,726
Income before extraordinary items$196,0005,310
Extraordinary gains, net$023
Net income$196,0005,312
Minority interest net income$0110
Net income of bank and minority interests.$196,0005,313
Net charge-offs$127,0004,673
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$196,0005,159
2010-06-30 (YTD Data)Rank
Total interest income$1,141,0006,681
Total interest expense$395,0005,994
Net interest income$746,0006,855
Provision for loan and lease losses$127,0004,828
Total noninterest income$72,0006,491
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$2,0006,907
Trading account gains and fees$0152
Additional Noninterest Income$70,0005,158
Total noninterest expense$564,0007,069
Salaries and employee benefits$135,0007,673
Premises and equipment expense$86,0006,573
Additional noninterest expense$343,0006,001
Pre-tax net operating income$127,0005,349
Securities gains (losses)$03,184
Applicable income taxes$04,691
Income before extraordinary items$127,0005,370
Extraordinary gains, net$019
Net income$127,0005,371
Minority interest net income$0105
Net income of bank and minority interests.$127,0005,372
Net charge-offs$127,0003,990
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$127,0005,238
2010-03-31 (YTD Data)Rank
Total interest income$566,0006,769
Total interest expense$206,0006,010
Net interest income$360,0006,963
Provision for loan and lease losses$67,0004,484
Total noninterest income$7,0007,507
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$07,028
Trading account gains and fees$0175
Additional Noninterest Income$7,0006,844
Total noninterest expense$266,0007,222
Salaries and employee benefits$64,0007,785
Premises and equipment expense$42,0006,671
Additional noninterest expense$160,0006,214
Pre-tax net operating income$34,0005,864
Securities gains (losses)$02,284
Applicable income taxes$04,611
Income before extraordinary items$34,0005,931
Extraordinary gains, net$016
Net income$34,0005,933
Minority interest net income$091
Net income of bank and minority interests.$34,0005,931
Net charge-offs$37,0003,979
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$34,0005,817
2009-12-31 (YTD Data)Rank
Total interest income$1,970,0007,077
Total interest expense$905,0006,228
Net interest income$1,065,0007,381
Provision for loan and lease losses$450,0004,698
Total noninterest income$178,0006,390
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$1,0007,098
Trading account gains and fees$0211
Additional Noninterest Income$177,0004,837
Total noninterest expense$1,147,0007,228
Salaries and employee benefits$375,0007,676
Premises and equipment expense$166,0006,784
Additional noninterest expense$606,0006,431
Pre-tax net operating income$-354,0005,866
Securities gains (losses)$03,754
Applicable income taxes$518,0001,524
Income before extraordinary items$-872,0006,301
Extraordinary gains, net$034
Net income$-872,0006,300
Minority interest net income$0115
Net income of bank and minority interests.$-872,0006,300
Net charge-offs$542,0003,681
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-872,0006,308
2009-09-30 (YTD Data)Rank
Total interest income$1,419,0007,212
Total interest expense$676,0006,368
Net interest income$743,0007,519
Provision for loan and lease losses$341,0004,411
Total noninterest income$112,0006,714
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$1,0007,158
Trading account gains and fees$0212
Additional Noninterest Income$111,0005,238
Total noninterest expense$897,0007,193
Salaries and employee benefits$317,0007,648
Premises and equipment expense$125,0006,826
Additional noninterest expense$455,0006,446
Pre-tax net operating income$-383,0006,220
Securities gains (losses)$03,497
Applicable income taxes$517,0001,367
Income before extraordinary items$-900,0006,693
Extraordinary gains, net$027
Net income$-900,0006,694
Minority interest net income$0118
Net income of bank and minority interests.$-900,0006,694
Net charge-offs$403,0003,336
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-900,0006,686
2009-06-30 (YTD Data)Rank
Total interest income$891,0007,360
Total interest expense$438,0006,546
Net interest income$453,0007,645
Provision for loan and lease losses$134,0004,927
Total noninterest income$2,0007,912
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$07,241
Trading account gains and fees$0193
Additional Noninterest Income$2,0007,623
Total noninterest expense$602,0007,240
Salaries and employee benefits$210,0007,740
Premises and equipment expense$87,0006,823
Additional noninterest expense$305,0006,460
Pre-tax net operating income$-281,0006,404
Securities gains (losses)$03,136
Applicable income taxes$-104,0007,155
Income before extraordinary items$-177,0006,339
Extraordinary gains, net$021
Net income$-177,0006,338
Minority interest net income$0112
Net income of bank and minority interests.$-177,0006,338
Net charge-offs$81,0004,464
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-177,0006,317
2009-03-31 (YTD Data)Rank
Total interest income$418,0007,502
Total interest expense$212,0006,702
Net interest income$206,0007,769
Provision for loan and lease losses$-138,0008,218
Total noninterest income$1,0008,011
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$07,262
Trading account gains and fees$0171
Additional Noninterest Income$1,0007,715
Total noninterest expense$290,0007,322
Salaries and employee benefits$113,0007,712
Premises and equipment expense$45,0006,803
Additional noninterest expense$132,0006,601
Pre-tax net operating income$55,0005,557
Securities gains (losses)$02,434
Applicable income taxes$21,0003,530
Income before extraordinary items$34,0005,935
Extraordinary gains, net$015
Net income$34,0005,937
Minority interest net income$0102
Net income of bank and minority interests.$34,0005,937
Net charge-offs$37,0003,818
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$34,0005,769
2008-12-31 (YTD Data)Rank
Total interest income$1,430,0007,737
Total interest expense$717,0007,288
Net interest income$713,0007,893
Provision for loan and lease losses$423,0004,058
Total noninterest income$4,0008,061
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$2,0007,282
Trading account gains and fees$0154
Additional Noninterest Income$2,0007,889
Total noninterest expense$1,021,0007,516
Salaries and employee benefits$419,0007,851
Premises and equipment expense$172,0006,934
Additional noninterest expense$430,0006,926
Pre-tax net operating income$-727,0006,890
Securities gains (losses)$03,220
Applicable income taxes$-269,0007,297
Income before extraordinary items$-458,0006,682
Extraordinary gains, net$039
Net income$-458,0006,682
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,039
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-458,0006,814
2008-09-30 (YTD Data)Rank
Total interest income$1,033,0007,857
Total interest expense$489,0007,527
Net interest income$544,0007,967
Provision for loan and lease losses$398,0003,093
Total noninterest income$3,0008,184
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$1,0007,351
Trading account gains and fees$0148
Additional Noninterest Income$2,0008,026
Total noninterest expense$739,0007,591
Salaries and employee benefits$291,0007,957
Premises and equipment expense$128,0006,995
Additional noninterest expense$320,0006,922
Pre-tax net operating income$-590,0007,317
Securities gains (losses)$03,106
Applicable income taxes$-218,0007,673
Income before extraordinary items$-372,0007,081
Extraordinary gains, net$031
Net income$-372,0007,077
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,534
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-372,0007,225
2008-06-30 (YTD Data)Rank
Total interest income$644,0007,960
Total interest expense$280,0007,768
Net interest income$364,0008,010
Provision for loan and lease losses$110,0004,116
Total noninterest income$1,0008,287
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$07,428
Trading account gains and fees$0149
Additional Noninterest Income$1,0008,142
Total noninterest expense$440,0007,786
Salaries and employee benefits$145,0008,211
Premises and equipment expense$84,0007,047
Additional noninterest expense$211,0006,971
Pre-tax net operating income$-185,0007,307
Securities gains (losses)$03,233
Applicable income taxes$-68,0007,800
Income before extraordinary items$-117,0007,273
Extraordinary gains, net$021
Net income$-117,0007,273
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-117,0007,247
2008-03-31 (YTD Data)Rank
Total interest income$306,0008,061
Total interest expense$126,0007,947
Net interest income$180,0008,073
Provision for loan and lease losses$56,0003,670
Total noninterest income$08,338
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$07,431
Trading account gains and fees$0158
Additional Noninterest Income$08,220
Total noninterest expense$221,0007,817
Salaries and employee benefits$71,0008,261
Premises and equipment expense$45,0006,958
Additional noninterest expense$105,0006,983
Pre-tax net operating income$-97,0007,554
Securities gains (losses)$02,688
Applicable income taxes$-36,0007,977
Income before extraordinary items$-61,0007,547
Extraordinary gains, net$015
Net income$-61,0007,546
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-61,0007,487
2007-12-31 (YTD Data)Rank
Total interest income$233,0008,482
Total interest expense$74,0008,407
Net interest income$159,0008,486
Provision for loan and lease losses$229,0003,667
Total noninterest income$83,0007,731
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$07,508
Trading account gains and fees$0178
Additional Noninterest Income$83,0006,480
Total noninterest expense$688,0008,108
Salaries and employee benefits$391,0008,083
Premises and equipment expense$47,0008,264
Additional noninterest expense$250,0007,783
Pre-tax net operating income$-675,0007,914
Securities gains (losses)$02,146
Applicable income taxes$-249,0008,164
Income before extraordinary items$-426,0007,845
Extraordinary gains, net$039
Net income$-426,0007,844
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$8,000,000216
Net operating income$-426,0007,830

* 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.