Home > North Coast Bank > Income and Expense
North Coast Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,125,000 | 5,529 |
| Total interest expense | $771,000 | 6,798 |
| Net interest income | $3,354,000 | 4,930 |
| Provision for loan and lease losses | $183,000 | 4,182 |
| Total noninterest income | $291,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $150,000 | 5,863 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $141,000 | 5,934 |
| Total noninterest expense | $2,630,000 | 5,030 |
| Salaries and employee benefits | $1,193,000 | 5,661 |
| Premises and equipment expense | $504,000 | 4,027 |
| Additional noninterest expense | $933,000 | 4,501 |
| Pre-tax net operating income | $832,000 | 5,598 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $337,000 | 4,104 |
| Income before extraordinary items | $495,000 | 6,357 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $495,000 | 6,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 9,030 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $495,000 | 6,204 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,067,000 | 5,629 |
| Total interest expense | $572,000 | 6,979 |
| Net interest income | $2,495,000 | 4,974 |
| Provision for loan and lease losses | $119,000 | 4,390 |
| Total noninterest income | $219,000 | 6,687 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $113,000 | 5,895 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $106,000 | 5,966 |
| Total noninterest expense | $1,972,000 | 5,032 |
| Salaries and employee benefits | $902,000 | 5,594 |
| Premises and equipment expense | $376,000 | 4,040 |
| Additional noninterest expense | $694,000 | 4,498 |
| Pre-tax net operating income | $623,000 | 5,782 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $253,000 | 4,260 |
| Income before extraordinary items | $370,000 | 6,531 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $370,000 | 6,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,759 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $370,000 | 6,360 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,023,000 | 5,698 |
| Total interest expense | $385,000 | 7,068 |
| Net interest income | $1,638,000 | 5,026 |
| Provision for loan and lease losses | $66,000 | 4,590 |
| Total noninterest income | $138,000 | 6,796 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $76,000 | 5,869 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $62,000 | 6,200 |
| Total noninterest expense | $1,362,000 | 4,911 |
| Salaries and employee benefits | $657,000 | 5,313 |
| Premises and equipment expense | $249,000 | 4,056 |
| Additional noninterest expense | $456,000 | 4,553 |
| Pre-tax net operating income | $348,000 | 6,181 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $141,000 | 4,605 |
| Income before extraordinary items | $207,000 | 6,904 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $207,000 | 6,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,405 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $207,000 | 6,702 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $965,000 | 5,880 |
| Total interest expense | $181,000 | 7,342 |
| Net interest income | $784,000 | 5,161 |
| Provision for loan and lease losses | $26,000 | 4,905 |
| Total noninterest income | $66,000 | 6,832 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $37,000 | 5,850 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 6,299 |
| Total noninterest expense | $749,000 | 4,575 |
| Salaries and employee benefits | $403,000 | 4,587 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $220,000 | 4,630 |
| Pre-tax net operating income | $75,000 | 7,607 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $30,000 | 5,719 |
| Income before extraordinary items | $45,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $45,000 | 7,844 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,701,000 | 6,155 |
| Total interest expense | $842,000 | 7,378 |
| Net interest income | $2,859,000 | 5,435 |
| Provision for loan and lease losses | $143,000 | 5,034 |
| Total noninterest income | $307,000 | 6,411 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $190,000 | 5,314 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $117,000 | 6,114 |
| Total noninterest expense | $2,475,000 | 5,113 |
| Salaries and employee benefits | $1,117,000 | 5,754 |
| Premises and equipment expense | $523,000 | 3,805 |
| Additional noninterest expense | $835,000 | 4,783 |
| Pre-tax net operating income | $548,000 | 6,583 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $223,000 | 4,961 |
| Income before extraordinary items | $325,000 | 7,204 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $325,000 | 7,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,158 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $325,000 | 7,095 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,672,000 | 5,844 |
| Total interest expense | $1,506,000 | 6,962 |
| Net interest income | $3,166,000 | 4,878 |
| Provision for loan and lease losses | $176,000 | 4,446 |
| Total noninterest income | $336,000 | 6,119 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $163,000 | 5,625 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $173,000 | 5,234 |
| Total noninterest expense | $2,867,000 | 4,492 |
| Salaries and employee benefits | $1,367,000 | 4,843 |
| Premises and equipment expense | $529,000 | 3,705 |
| Additional noninterest expense | $971,000 | 4,165 |
| Pre-tax net operating income | $459,000 | 6,721 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $202,000 | 5,017 |
| Income before extraordinary items | $257,000 | 7,394 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $257,000 | 7,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,951 |
| Cash dividends | $60,000 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $257,000 | 7,281 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,802,000 | 5,888 |
| Total interest expense | $1,640,000 | 6,876 |
| Net interest income | $3,162,000 | 4,966 |
| Provision for loan and lease losses | $182,000 | 3,925 |
| Total noninterest income | $431,000 | 5,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 5,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $291,000 | 3,993 |
| Total noninterest expense | $2,709,000 | 4,586 |
| Salaries and employee benefits | $1,029,000 | 5,801 |
| Premises and equipment expense | $496,000 | 3,816 |
| Additional noninterest expense | $1,184,000 | 3,474 |
| Pre-tax net operating income | $702,000 | 6,216 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $286,000 | 4,681 |
| Income before extraordinary items | $416,000 | 6,752 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $416,000 | 6,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,683 |
| Cash dividends | $61,000 | 6,298 |
| Sale, conversion, retirement of capital stock, net | $278,000 | 601 |
| Net operating income | $416,000 | 6,761 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,650,000 | 6,674 |
| Total interest expense | $1,195,000 | 7,659 |
| Net interest income | $2,455,000 | 5,862 |
| Provision for loan and lease losses | $175,000 | 3,893 |
| Total noninterest income | $293,000 | 6,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,023 |
| Total noninterest expense | $2,192,000 | 5,342 |
| Salaries and employee benefits | $852,000 | 6,534 |
| Premises and equipment expense | $479,000 | 3,912 |
| Additional noninterest expense | $861,000 | 4,537 |
| Pre-tax net operating income | $381,000 | 7,684 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $154,000 | 6,229 |
| Income before extraordinary items | $227,000 | 8,106 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $227,000 | 8,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,187 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,024 |
| Net operating income | $227,000 | 8,078 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,989,000 | 7,540 |
| Total interest expense | $973,000 | 8,492 |
| Net interest income | $2,016,000 | 6,640 |
| Provision for loan and lease losses | $149,000 | 4,210 |
| Total noninterest income | $204,000 | 7,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 7,095 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,276 |
| Total noninterest expense | $1,616,000 | 6,403 |
| Salaries and employee benefits | $674,000 | 7,342 |
| Premises and equipment expense | $301,000 | 5,370 |
| Additional noninterest expense | $641,000 | 5,502 |
| Pre-tax net operating income | $455,000 | 7,607 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $109,000 | 7,396 |
| Income before extraordinary items | $346,000 | 7,552 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $346,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,717 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,005 |
| Net operating income | $346,000 | 7,474 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,533,000 | 8,334 |
| Total interest expense | $753,000 | 9,398 |
| Net interest income | $1,780,000 | 7,359 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $270,000 | 6,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,423 |
| Total noninterest expense | $1,634,000 | 6,453 |
| Salaries and employee benefits | $764,000 | 6,953 |
| Premises and equipment expense | $299,000 | 5,455 |
| Additional noninterest expense | $571,000 | 5,984 |
| Pre-tax net operating income | $346,000 | 8,746 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $346,000 | 8,028 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $346,000 | 8,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,696 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $346,000 | 7,975 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,545,000 | 8,644 |
| Total interest expense | $782,000 | 9,702 |
| Net interest income | $1,763,000 | 7,639 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $215,000 | 8,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,444 |
| Total noninterest expense | $1,595,000 | 6,861 |
| Salaries and employee benefits | $705,000 | 7,506 |
| Premises and equipment expense | $288,000 | 5,743 |
| Additional noninterest expense | $602,000 | 6,340 |
| Pre-tax net operating income | $313,000 | 9,046 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $318,000 | 8,276 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $318,000 | 8,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,393 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $313,000 | 8,253 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 8,847 |
| Total interest expense | $882,000 | 9,682 |
| Net interest income | $1,696,000 | 8,034 |
| Provision for loan and lease losses | $81,000 | 5,069 |
| Total noninterest income | $260,000 | 7,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 7,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,244 |
| Total noninterest expense | $1,673,000 | 6,793 |
| Salaries and employee benefits | $752,000 | 7,386 |
| Premises and equipment expense | $316,000 | 5,409 |
| Additional noninterest expense | $605,000 | 6,502 |
| Pre-tax net operating income | $202,000 | 10,451 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $1,000 | 11,102 |
| Income before extraordinary items | $205,000 | 9,872 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $205,000 | 9,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 803 |
| Net operating income | $201,000 | 9,887 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,170,000 | 9,483 |
| Total interest expense | $634,000 | 10,431 |
| Net interest income | $1,536,000 | 8,779 |
| Provision for loan and lease losses | $110,000 | 4,343 |
| Total noninterest income | $215,000 | 8,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,425 |
| Total noninterest expense | $1,769,000 | 6,769 |
| Salaries and employee benefits | $819,000 | 7,089 |
| Premises and equipment expense | $303,000 | 5,674 |
| Additional noninterest expense | $647,000 | 6,697 |
| Pre-tax net operating income | $-128,000 | 12,215 |
| Securities gains (losses) | $25,000 | 1,598 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $-104,000 | 12,164 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-104,000 | 12,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-129,000 | 12,198 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 9,881 |
| Total interest expense | $821,000 | 9,927 |
| Net interest income | $1,333,000 | 9,634 |
| Provision for loan and lease losses | $91,000 | 5,992 |
| Total noninterest income | $151,000 | 10,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,431 |
| Total noninterest expense | $1,624,000 | 7,427 |
| Salaries and employee benefits | $769,000 | 7,500 |
| Premises and equipment expense | $287,000 | 6,076 |
| Additional noninterest expense | $568,000 | 7,614 |
| Pre-tax net operating income | $-231,000 | 12,720 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $-231,000 | 12,782 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-231,000 | 12,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,689 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-232,000 | 12,706 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,046,000 | 10,813 |
| Total interest expense | $792,000 | 11,369 |
| Net interest income | $1,254,000 | 10,119 |
| Provision for loan and lease losses | $73,000 | 8,154 |
| Total noninterest income | $123,000 | 11,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 10,222 |
| Total noninterest expense | $1,191,000 | 9,080 |
| Salaries and employee benefits | $558,000 | 9,200 |
| Premises and equipment expense | $206,000 | 7,697 |
| Additional noninterest expense | $427,000 | 9,235 |
| Pre-tax net operating income | $113,000 | 11,886 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $34,000 | 11,696 |
| Income before extraordinary items | $80,000 | 12,214 |
| Extraordinary gains, net | $20,000 | 1,231 |
| Net income | $100,000 | 12,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $79,300 | 11,934 |
* 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.