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Newport Federal Savings Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$2,893,0007,371
Total interest expense$1,779,0006,445
Net interest income$1,114,0008,056
Provision for loan and lease losses$80,0005,977
Total noninterest income$164,0007,697
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0177
Additional Noninterest Income$164,0005,346
Total noninterest expense$1,051,0007,825
Salaries and employee benefits$442,0008,442
Premises and equipment expense$237,0006,249
Additional noninterest expense$372,0007,345
Pre-tax net operating income$147,0008,114
Securities gains (losses)$04,612
Applicable income taxes$84,0006,208
Income before extraordinary items$63,0008,545
Extraordinary gains, net$0105
Net income$63,0008,543
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$52,0005,093
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$63,0008,450
2000-12-31 (YTD Data)Rank
Total interest income$3,121,0007,292
Total interest expense$2,014,0006,256
Net interest income$1,107,0008,264
Provision for loan and lease losses$2,0008,255
Total noninterest income$151,0007,869
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$151,0005,452
Total noninterest expense$1,036,0007,912
Salaries and employee benefits$506,0008,211
Premises and equipment expense$210,0006,607
Additional noninterest expense$320,0007,782
Pre-tax net operating income$220,0008,282
Securities gains (losses)$01,956
Applicable income taxes$53,0007,189
Income before extraordinary items$167,0008,304
Extraordinary gains, net$038
Net income$167,0008,302
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0006,338
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$167,0008,310
1999-12-31 (YTD Data)Rank
Total interest income$3,118,0007,233
Total interest expense$2,076,0005,871
Net interest income$1,042,0008,531
Provision for loan and lease losses$66,0006,005
Total noninterest income$78,0009,176
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$78,0007,202
Total noninterest expense$1,059,0007,952
Salaries and employee benefits$489,0008,401
Premises and equipment expense$202,0006,783
Additional noninterest expense$368,0007,552
Pre-tax net operating income$-5,0009,425
Securities gains (losses)$03,155
Applicable income taxes$40,0007,812
Income before extraordinary items$-45,0009,508
Extraordinary gains, net$035
Net income$-45,0009,504
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0006,573
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-45,0009,483
1998-12-31 (YTD Data)Rank
Total interest income$2,996,0007,535
Total interest expense$1,929,0006,305
Net interest income$1,067,0008,645
Provision for loan and lease losses$141,0004,306
Total noninterest income$215,0007,399
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$215,0004,781
Total noninterest expense$1,058,0007,948
Salaries and employee benefits$501,0008,354
Premises and equipment expense$203,0006,666
Additional noninterest expense$354,0007,633
Pre-tax net operating income$83,0009,479
Securities gains (losses)$04,449
Applicable income taxes$4,0009,224
Income before extraordinary items$79,0009,469
Extraordinary gains, net$032
Net income$79,0009,469
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0005,253
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$79,0009,403
1997-12-31 (YTD Data)Rank
Total interest income$2,453,0008,440
Total interest expense$1,606,0007,111
Net interest income$847,0009,550
Provision for loan and lease losses$83,0005,598
Total noninterest income$175,0008,204
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$175,0005,286
Total noninterest expense$1,131,0007,902
Salaries and employee benefits$674,0007,469
Premises and equipment expense$177,0007,240
Additional noninterest expense$280,0008,527
Pre-tax net operating income$-192,00010,559
Securities gains (losses)$03,944
Applicable income taxes$-125,00010,734
Income before extraordinary items$-67,00010,487
Extraordinary gains, net$044
Net income$-67,00010,489
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0006,932
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$1,910,000384
Net operating income$-67,00010,451
1996-12-31 (YTD Data)Rank
Total interest income$2,347,0008,909
Total interest expense$1,567,0007,403
Net interest income$780,00010,163
Provision for loan and lease losses$-7,00011,081
Total noninterest income$114,0009,634
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$114,0006,754
Total noninterest expense$967,0008,790
Salaries and employee benefits$357,0009,911
Premises and equipment expense$157,0007,897
Additional noninterest expense$453,0007,450
Pre-tax net operating income$-66,00010,915
Securities gains (losses)$04,148
Applicable income taxes$2,00010,509
Income before extraordinary items$-68,00010,952
Extraordinary gains, net$053
Net income$-68,00010,950
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,441
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-68,00010,908
1995-12-31 (YTD Data)Rank
Total interest income$2,237,0009,360
Total interest expense$1,452,0007,820
Net interest income$785,00010,575
Provision for loan and lease losses$11,0008,279
Total noninterest income$71,00010,936
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$71,0008,310
Total noninterest expense$647,00010,377
Salaries and employee benefits$332,00010,482
Premises and equipment expense$108,0009,386
Additional noninterest expense$207,00010,333
Pre-tax net operating income$198,00010,473
Securities gains (losses)$03,831
Applicable income taxes$41,00010,357
Income before extraordinary items$157,00010,396
Extraordinary gains, net$065
Net income$157,00010,399
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$157,00010,371
1994-12-31 (YTD Data)Rank
Total interest income$2,045,0009,723
Total interest expense$1,161,0008,055
Net interest income$884,00010,770
Provision for loan and lease losses$4,0008,908
Total noninterest income$75,00011,378
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$75,0008,448
Total noninterest expense$596,00011,144
Salaries and employee benefits$265,00011,523
Premises and equipment expense$107,0009,803
Additional noninterest expense$224,00010,848
Pre-tax net operating income$359,0009,671
Securities gains (losses)$03,600
Applicable income taxes$115,0009,026
Income before extraordinary items$244,0009,763
Extraordinary gains, net$0249
Net income$244,0009,775
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$244,0009,838
1993-12-31 (YTD Data)Rank
Total interest income$2,082,00010,018
Total interest expense$1,218,0008,185
Net interest income$864,00011,303
Provision for loan and lease losses$16,0009,322
Total noninterest income$86,00011,666
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$86,0008,379
Total noninterest expense$554,00011,883
Salaries and employee benefits$265,00012,025
Premises and equipment expense$104,00010,324
Additional noninterest expense$185,00011,942
Pre-tax net operating income$380,0009,579
Securities gains (losses)$07,477
Applicable income taxes$107,0009,575
Income before extraordinary items$273,0009,778
Extraordinary gains, net$03,149
Net income$273,0009,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0009,031
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$273,0009,518
1992-12-31 (YTD Data)Rank
Total interest income$2,438,00010,021
Total interest expense$1,491,0008,537
Net interest income$947,00011,309
Provision for loan and lease losses$11,00011,121
Total noninterest income$81,00012,253
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$81,0008,805
Total noninterest expense$609,00012,006
Salaries and employee benefits$274,00012,317
Premises and equipment expense$91,00011,073
Additional noninterest expense$244,00011,615
Pre-tax net operating income$408,0009,164
Securities gains (losses)$08,369
Applicable income taxes$147,0008,689
Income before extraordinary items$261,0009,764
Extraordinary gains, net$01,422
Net income$261,0009,906
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,00010,474
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$261,0009,399

* 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.