Home > North Oakland Community Bank > Income and Expense
North Oakland Community Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 7,712 |
| Total interest expense | $507,000 | 7,286 |
| Net interest income | $943,000 | 7,793 |
| Provision for loan and lease losses | $53,000 | 5,711 |
| Total noninterest income | $59,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $45,000 | 7,328 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $14,000 | 8,509 |
| Total noninterest expense | $863,000 | 7,562 |
| Salaries and employee benefits | $214,000 | 8,829 |
| Premises and equipment expense | $147,000 | 6,830 |
| Additional noninterest expense | $502,000 | 5,626 |
| Pre-tax net operating income | $86,000 | 8,306 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $94,000 | 8,256 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $94,000 | 8,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-164,000 | 9,141 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $86,000 | 8,193 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,001,000 | 7,683 |
| Total interest expense | $362,000 | 7,239 |
| Net interest income | $639,000 | 7,767 |
| Provision for loan and lease losses | $53,000 | 5,070 |
| Total noninterest income | $41,000 | 8,553 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $31,000 | 7,289 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $582,000 | 7,546 |
| Salaries and employee benefits | $140,000 | 8,874 |
| Premises and equipment expense | $99,000 | 6,790 |
| Additional noninterest expense | $343,000 | 5,533 |
| Pre-tax net operating income | $45,000 | 8,406 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $52,000 | 8,409 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $52,000 | 8,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,683 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $45,000 | 8,335 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $517,000 | 7,658 |
| Total interest expense | $187,000 | 7,263 |
| Net interest income | $330,000 | 7,729 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $20,000 | 8,615 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $282,000 | 7,656 |
| Salaries and employee benefits | $68,000 | 8,941 |
| Premises and equipment expense | $51,000 | 6,736 |
| Additional noninterest expense | $163,000 | 5,663 |
| Pre-tax net operating income | $38,000 | 8,179 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $0 | 7,403 |
| 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 | $-6,000 | 8,300 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $38,000 | 7,987 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,338,000 | 7,494 |
| Total interest expense | $868,000 | 7,299 |
| Net interest income | $1,470,000 | 7,480 |
| Provision for loan and lease losses | $479,000 | 2,467 |
| Total noninterest income | $92,000 | 8,493 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $68,000 | 7,172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,403 |
| Total noninterest expense | $1,182,000 | 7,505 |
| Salaries and employee benefits | $293,000 | 8,921 |
| Premises and equipment expense | $207,000 | 6,700 |
| Additional noninterest expense | $682,000 | 5,496 |
| Pre-tax net operating income | $-99,000 | 8,761 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-99,000 | 8,834 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-99,000 | 8,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $624,000 | 1,387 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-99,000 | 8,776 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,800,000 | 7,453 |
| Total interest expense | $1,611,000 | 6,758 |
| Net interest income | $1,189,000 | 7,904 |
| Provision for loan and lease losses | $677,000 | 1,723 |
| Total noninterest income | $54,000 | 9,120 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $30,000 | 7,982 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $24,000 | 8,562 |
| Total noninterest expense | $1,374,000 | 7,069 |
| Salaries and employee benefits | $446,000 | 8,418 |
| Premises and equipment expense | $210,000 | 6,654 |
| Additional noninterest expense | $718,000 | 5,190 |
| Pre-tax net operating income | $-808,000 | 9,287 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-808,000 | 9,354 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-808,000 | 9,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,806 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $425,000 | 519 |
| Net operating income | $-808,000 | 9,324 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,000,000 | 7,412 |
| Total interest expense | $1,658,000 | 6,843 |
| Net interest income | $1,342,000 | 7,773 |
| Provision for loan and lease losses | $57,000 | 6,367 |
| Total noninterest income | $51,000 | 9,318 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,119 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 8,843 |
| Total noninterest expense | $1,539,000 | 6,650 |
| Salaries and employee benefits | $642,000 | 7,480 |
| Premises and equipment expense | $220,000 | 6,456 |
| Additional noninterest expense | $677,000 | 5,312 |
| Pre-tax net operating income | $-203,000 | 9,341 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-203,000 | 9,379 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-203,000 | 9,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-203,000 | 9,377 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,177,000 | 9,446 |
| Total interest expense | $566,000 | 9,294 |
| Net interest income | $611,000 | 9,484 |
| Provision for loan and lease losses | $335,000 | 2,438 |
| Total noninterest income | $17,000 | 9,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,637 |
| Total noninterest expense | $1,207,000 | 7,549 |
| Salaries and employee benefits | $429,000 | 8,739 |
| Premises and equipment expense | $151,000 | 7,646 |
| Additional noninterest expense | $627,000 | 5,667 |
| Pre-tax net operating income | $-914,000 | 10,045 |
| Securities gains (losses) | $-6,000 | 9,143 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-920,000 | 10,070 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-920,000 | 10,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $4,600,000 | 272 |
| Net operating income | $-914,000 | 10,058 |
* 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.