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Noble Community Bank, Income and Expense

2008-09-30 (YTD Data)Rank
Total interest income$1,769,0007,164
Total interest expense$896,0006,566
Net interest income$873,0007,477
Provision for loan and lease losses$160,0004,545
Total noninterest income$16,0008,063
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$7,0007,231
Trading account gains and fees$0148
Additional Noninterest Income$9,0007,809
Total noninterest expense$1,486,0006,245
Salaries and employee benefits$750,0006,436
Premises and equipment expense$279,0005,295
Additional noninterest expense$457,0006,142
Pre-tax net operating income$-757,0007,408
Securities gains (losses)$-135,0007,558
Applicable income taxes$2,0005,168
Income before extraordinary items$-894,0007,456
Extraordinary gains, net$031
Net income$-894,0007,454
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$01,238
Net operating income$-759,0007,498
2008-06-30 (YTD Data)Rank
Total interest income$1,111,0007,320
Total interest expense$582,0006,744
Net interest income$529,0007,628
Provision for loan and lease losses$125,0003,905
Total noninterest income$11,0008,140
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$7,0007,210
Trading account gains and fees$0149
Additional Noninterest Income$4,0007,989
Total noninterest expense$1,044,0006,159
Salaries and employee benefits$568,0006,187
Premises and equipment expense$189,0005,302
Additional noninterest expense$287,0006,291
Pre-tax net operating income$-629,0007,705
Securities gains (losses)$03,233
Applicable income taxes$1,0005,487
Income before extraordinary items$-630,0007,790
Extraordinary gains, net$021
Net income$-630,0007,789
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$01,136
Net operating income$-630,0007,770
2008-03-31 (YTD Data)Rank
Total interest income$514,0007,510
Total interest expense$271,0007,019
Net interest income$243,0007,782
Provision for loan and lease losses$06,080
Total noninterest income$4,0008,219
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$3,0007,255
Trading account gains and fees$0158
Additional Noninterest Income$1,0008,110
Total noninterest expense$446,0006,590
Salaries and employee benefits$224,0006,765
Premises and equipment expense$95,0005,305
Additional noninterest expense$127,0006,594
Pre-tax net operating income$-199,0007,760
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-199,0007,838
Extraordinary gains, net$015
Net income$-199,0007,838
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$01,000
Net operating income$-199,0007,806
2007-12-31 (YTD Data)Rank
Total interest income$1,981,0007,573
Total interest expense$1,108,0007,007
Net interest income$873,0007,904
Provision for loan and lease losses$87,0005,108
Total noninterest income$19,0008,245
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$14,0007,248
Trading account gains and fees$0178
Additional Noninterest Income$5,0008,181
Total noninterest expense$1,714,0006,596
Salaries and employee benefits$824,0006,903
Premises and equipment expense$379,0005,192
Additional noninterest expense$511,0006,520
Pre-tax net operating income$-909,0008,013
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-909,0008,079
Extraordinary gains, net$039
Net income$-909,0008,076
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$01,304
Net operating income$-909,0008,072
2007-09-30 (YTD Data)Rank
Total interest income$1,463,0007,640
Total interest expense$821,0007,056
Net interest income$642,0007,978
Provision for loan and lease losses$61,0004,820
Total noninterest income$13,0008,317
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$6,0007,365
Trading account gains and fees$0184
Additional Noninterest Income$7,0008,132
Total noninterest expense$1,288,0006,596
Salaries and employee benefits$606,0006,926
Premises and equipment expense$282,0005,185
Additional noninterest expense$400,0006,403
Pre-tax net operating income$-694,0008,183
Securities gains (losses)$01,655
Applicable income taxes$2,0006,041
Income before extraordinary items$-696,0008,228
Extraordinary gains, net$033
Net income$-696,0008,225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$-696,0008,221
2007-06-30 (YTD Data)Rank
Total interest income$936,0007,742
Total interest expense$529,0007,131
Net interest income$407,0008,090
Provision for loan and lease losses$44,0004,563
Total noninterest income$7,0008,401
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$4,0007,405
Trading account gains and fees$0168
Additional Noninterest Income$3,0008,264
Total noninterest expense$837,0006,707
Salaries and employee benefits$380,0007,108
Premises and equipment expense$186,0005,247
Additional noninterest expense$271,0006,392
Pre-tax net operating income$-467,0008,282
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$-467,0008,315
Extraordinary gains, net$029
Net income$-467,0008,314
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-467,0008,310
2007-03-31 (YTD Data)Rank
Total interest income$442,0007,848
Total interest expense$247,0007,274
Net interest income$195,0008,192
Provision for loan and lease losses$15,0004,592
Total noninterest income$3,0008,453
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$2,0007,430
Trading account gains and fees$0195
Additional Noninterest Income$1,0008,340
Total noninterest expense$405,0006,802
Salaries and employee benefits$177,0007,297
Premises and equipment expense$92,0005,299
Additional noninterest expense$136,0006,389
Pre-tax net operating income$-222,0008,324
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-222,0008,351
Extraordinary gains, net$022
Net income$-222,0008,349
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$-222,0008,342
2006-12-31 (YTD Data)Rank
Total interest income$1,242,0008,111
Total interest expense$564,0007,792
Net interest income$678,0008,231
Provision for loan and lease losses$127,0004,298
Total noninterest income$9,0008,496
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$5,0007,507
Trading account gains and fees$0130
Additional Noninterest Income$4,0008,415
Total noninterest expense$1,625,0006,691
Salaries and employee benefits$749,0007,125
Premises and equipment expense$280,0005,918
Additional noninterest expense$596,0006,079
Pre-tax net operating income$-1,065,0008,440
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-1,065,0008,476
Extraordinary gains, net$051
Net income$-1,065,0008,475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$-1,065,0008,465
2006-09-30 (YTD Data)Rank
Total interest income$838,0008,263
Total interest expense$347,0008,021
Net interest income$491,0008,334
Provision for loan and lease losses$111,0003,932
Total noninterest income$5,0008,603
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$2,0007,617
Trading account gains and fees$0126
Additional Noninterest Income$3,0008,495
Total noninterest expense$1,213,0006,718
Salaries and employee benefits$590,0006,979
Premises and equipment expense$226,0005,764
Additional noninterest expense$397,0006,415
Pre-tax net operating income$-828,0008,537
Securities gains (losses)$01,388
Applicable income taxes$06,687
Income before extraordinary items$-828,0008,571
Extraordinary gains, net$045
Net income$-828,0008,570
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$-828,0008,562
2006-06-30 (YTD Data)Rank
Total interest income$519,0008,369
Total interest expense$200,0008,138
Net interest income$319,0008,411
Provision for loan and lease losses$77,0003,767
Total noninterest income$1,0008,682
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,0007,650
Trading account gains and fees$0126
Additional Noninterest Income$08,630
Total noninterest expense$798,0006,780
Salaries and employee benefits$383,0007,090
Premises and equipment expense$141,0005,926
Additional noninterest expense$274,0006,341
Pre-tax net operating income$-555,0008,585
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$-555,0008,605
Extraordinary gains, net$039
Net income$-555,0008,605
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$-555,0008,600
2006-03-31 (YTD Data)Rank
Total interest income$236,0008,440
Total interest expense$95,0008,174
Net interest income$141,0008,514
Provision for loan and lease losses$39,0003,587
Total noninterest income$08,704
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$07,698
Trading account gains and fees$0115
Additional Noninterest Income$08,611
Total noninterest expense$393,0006,817
Salaries and employee benefits$207,0006,903
Premises and equipment expense$57,0006,485
Additional noninterest expense$129,0006,472
Pre-tax net operating income$-291,0008,611
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$-291,0008,630
Extraordinary gains, net$021
Net income$-291,0008,629
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$-291,0008,623
2005-12-31 (YTD Data)Rank
Total interest income$355,0008,697
Total interest expense$83,0008,650
Net interest income$272,0008,693
Provision for loan and lease losses$42,0005,929
Total noninterest income$08,769
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$07,759
Trading account gains and fees$0138
Additional Noninterest Income$08,688
Total noninterest expense$1,049,0007,667
Salaries and employee benefits$356,0008,346
Premises and equipment expense$107,0007,786
Additional noninterest expense$586,0006,131
Pre-tax net operating income$-819,0008,595
Securities gains (losses)$02,296
Applicable income taxes$06,964
Income before extraordinary items$-819,0008,629
Extraordinary gains, net$046
Net income$-819,0008,629
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$-819,0008,611
2005-09-30 (YTD Data)Rank
Total interest income$177,0008,777
Total interest expense$8,0008,810
Net interest income$169,0008,759
Provision for loan and lease losses$12,0006,428
Total noninterest income$08,802
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$07,794
Trading account gains and fees$0126
Additional Noninterest Income$08,723
Total noninterest expense$638,0007,988
Salaries and employee benefits$147,0008,702
Premises and equipment expense$28,0008,609
Additional noninterest expense$463,0005,937
Pre-tax net operating income$-481,0008,590
Securities gains (losses)$02,317
Applicable income taxes$06,976
Income before extraordinary items$-481,0008,633
Extraordinary gains, net$035
Net income$-481,0008,633
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,144
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$-481,0008,606

* 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.