Home > National Bank of the Great Lakes > Income and Expense

National Bank of the Great Lakes, Income and Expense

2003-09-30 (YTD Data)Rank
Total interest income$134,0009,161
Total interest expense$9,0009,163
Net interest income$125,0009,137
Provision for loan and lease losses$07,481
Total noninterest income$13,492,000452
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$08,111
Trading account gains and fees$0153
Additional Noninterest Income$13,492,000329
Total noninterest expense$9,360,0001,310
Salaries and employee benefits$523,0007,280
Premises and equipment expense$09,202
Additional noninterest expense$8,837,000496
Pre-tax net operating income$4,257,0001,494
Securities gains (losses)$04,204
Applicable income taxes$1,575,0001,294
Income before extraordinary items$2,682,0001,801
Extraordinary gains, net$162,00011
Net income$2,844,0001,694
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,682,0001,706
2003-06-30 (YTD Data)Rank
Total interest income$93,0009,205
Total interest expense$6,0009,206
Net interest income$87,0009,182
Provision for loan and lease losses$07,324
Total noninterest income$13,450,000348
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$08,133
Trading account gains and fees$0150
Additional Noninterest Income$13,450,000268
Total noninterest expense$9,144,000888
Salaries and employee benefits$523,0006,096
Premises and equipment expense$09,227
Additional noninterest expense$8,621,000381
Pre-tax net operating income$4,393,000993
Securities gains (losses)$03,782
Applicable income taxes$1,625,000929
Income before extraordinary items$2,768,0001,213
Extraordinary gains, net$030
Net income$2,768,0001,213
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$2,768,0001,120
2003-03-31 (YTD Data)Rank
Total interest income$43,0009,251
Total interest expense$3,0009,250
Net interest income$40,0009,231
Provision for loan and lease losses$06,934
Total noninterest income$9,227,000277
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$08,142
Trading account gains and fees$0134
Additional Noninterest Income$9,227,000224
Total noninterest expense$6,966,000610
Salaries and employee benefits$396,0004,643
Premises and equipment expense$09,263
Additional noninterest expense$6,570,000279
Pre-tax net operating income$2,301,000963
Securities gains (losses)$02,891
Applicable income taxes$851,000912
Income before extraordinary items$1,450,0001,148
Extraordinary gains, net$021
Net income$1,450,0001,147
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,450,0001,056
2002-12-31 (YTD Data)Rank
Total interest income$129,0009,296
Total interest expense$18,0009,281
Net interest income$111,0009,287
Provision for loan and lease losses$08,089
Total noninterest income$44,648,000238
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$08,205
Trading account gains and fees$0153
Additional Noninterest Income$44,648,000186
Total noninterest expense$31,352,000545
Salaries and employee benefits$1,264,0005,286
Premises and equipment expense$09,317
Additional noninterest expense$30,088,000268
Pre-tax net operating income$13,407,000660
Securities gains (losses)$04,537
Applicable income taxes$4,961,000593
Income before extraordinary items$8,446,000752
Extraordinary gains, net$070
Net income$8,446,000753
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$3,000,000917
Sale, conversion, retirement of capital stock, net$0862
Net operating income$8,446,000714
2001-12-31 (YTD Data)Rank
Total interest income$200,0009,538
Total interest expense$36,0009,511
Net interest income$164,0009,514
Provision for loan and lease losses$08,228
Total noninterest income$42,913,000245
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$08,399
Trading account gains and fees$0177
Additional Noninterest Income$42,913,000196
Total noninterest expense$33,314,000508
Salaries and employee benefits$756,0006,958
Premises and equipment expense$09,580
Additional noninterest expense$32,558,000264
Pre-tax net operating income$9,763,000782
Securities gains (losses)$04,612
Applicable income taxes$3,612,000714
Income before extraordinary items$6,151,000895
Extraordinary gains, net$0105
Net income$6,151,000896
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$5,000,000611
Sale, conversion, retirement of capital stock, net$0922
Net operating income$6,151,000856
2000-12-31 (YTD Data)Rank
Total interest income$440,0009,727
Total interest expense$62,0009,772
Net interest income$378,0009,615
Provision for loan and lease losses$08,337
Total noninterest income$37,602,000250
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$08,617
Trading account gains and fees$0180
Additional Noninterest Income$37,602,000199
Total noninterest expense$25,668,000622
Salaries and employee benefits$759,0006,918
Premises and equipment expense$09,865
Additional noninterest expense$24,909,000305
Pre-tax net operating income$12,312,000654
Securities gains (losses)$01,956
Applicable income taxes$4,347,000606
Income before extraordinary items$7,965,000690
Extraordinary gains, net$038
Net income$7,965,000690
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$8,100,000443
Sale, conversion, retirement of capital stock, net$0969
Net operating income$7,965,000688
1999-12-31 (YTD Data)Rank
Total interest income$271,00010,096
Total interest expense$58,00010,094
Net interest income$213,00010,045
Provision for loan and lease losses$08,503
Total noninterest income$36,467,000273
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$08,885
Trading account gains and fees$0173
Additional Noninterest Income$36,467,000214
Total noninterest expense$28,435,000565
Salaries and employee benefits$201,0009,914
Premises and equipment expense$010,185
Additional noninterest expense$28,234,000296
Pre-tax net operating income$8,245,000966
Securities gains (losses)$03,155
Applicable income taxes$3,251,000827
Income before extraordinary items$4,994,0001,099
Extraordinary gains, net$035
Net income$4,994,0001,098
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$1,500,0001,672
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$4,994,0001,077
1998-12-31 (YTD Data)Rank
Total interest income$5,252,0005,481
Total interest expense$1,272,0007,752
Net interest income$3,980,0004,131
Provision for loan and lease losses$1,209,000822
Total noninterest income$25,296,000320
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$09,085
Trading account gains and fees$0224
Additional Noninterest Income$25,296,000253
Total noninterest expense$24,749,000629
Salaries and employee benefits$547,0008,068
Premises and equipment expense$3,868,000570
Additional noninterest expense$20,334,000351
Pre-tax net operating income$3,318,0002,169
Securities gains (losses)$04,449
Applicable income taxes$472,0003,993
Income before extraordinary items$2,846,0001,846
Extraordinary gains, net$032
Net income$2,846,0001,847
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,136,000691
Cash dividends$71,730,000115
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,846,0001,769
1997-12-31 (YTD Data)Rank
Total interest income$59,748,000599
Total interest expense$12,329,0001,287
Net interest income$47,419,000421
Provision for loan and lease losses$13,233,000171
Total noninterest income$010,883
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$09,486
Trading account gains and fees$0239
Additional Noninterest Income$010,861
Total noninterest expense$14,426,000965
Salaries and employee benefits$1,397,0004,508
Premises and equipment expense$1,584,0001,244
Additional noninterest expense$11,445,000520
Pre-tax net operating income$19,760,000463
Securities gains (losses)$03,944
Applicable income taxes$7,823,000434
Income before extraordinary items$11,937,000516
Extraordinary gains, net$044
Net income$11,937,000516
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,926,000156
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$11,937,000491
1996-12-31 (YTD Data)Rank
Total interest income$49,643,000735
Total interest expense$10,826,0001,491
Net interest income$38,817,000529
Provision for loan and lease losses$9,032,000223
Total noninterest income$011,410
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$09,915
Trading account gains and fees$0262
Additional Noninterest Income$011,390
Total noninterest expense$13,225,0001,121
Salaries and employee benefits$1,493,0004,321
Premises and equipment expense$1,346,0001,504
Additional noninterest expense$10,386,000656
Pre-tax net operating income$16,560,000523
Securities gains (losses)$04,148
Applicable income taxes$6,525,000480
Income before extraordinary items$10,035,000577
Extraordinary gains, net$053
Net income$10,035,000578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,018,000224
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$49,660,00015
Net operating income$10,035,000564

* 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.