Home > Northway State Bank > Income and Expense

Northway State Bank, Income and Expense

2005-09-30 (YTD Data)Rank
Total interest income$2,069,0006,787
Total interest expense$671,0006,473
Net interest income$1,398,0006,842
Provision for loan and lease losses$-24,0008,628
Total noninterest income$119,0007,446
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$48,0006,889
Trading account gains and fees$0126
Additional Noninterest Income$71,0006,499
Total noninterest expense$1,236,0006,649
Salaries and employee benefits$502,0007,357
Premises and equipment expense$313,0004,689
Additional noninterest expense$421,0006,230
Pre-tax net operating income$305,0007,183
Securities gains (losses)$02,317
Applicable income taxes$115,0005,101
Income before extraordinary items$190,0007,500
Extraordinary gains, net$035
Net income$190,0007,501
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0005,608
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$190,0007,471
2005-06-30 (YTD Data)Rank
Total interest income$1,338,0006,821
Total interest expense$425,0006,455
Net interest income$913,0006,890
Provision for loan and lease losses$-44,0008,693
Total noninterest income$82,0007,374
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$30,0006,945
Trading account gains and fees$0116
Additional Noninterest Income$52,0006,337
Total noninterest expense$815,0006,689
Salaries and employee benefits$329,0007,403
Premises and equipment expense$210,0004,651
Additional noninterest expense$276,0006,241
Pre-tax net operating income$224,0007,072
Securities gains (losses)$02,146
Applicable income taxes$84,0005,033
Income before extraordinary items$140,0007,431
Extraordinary gains, net$030
Net income$140,0007,432
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0005,009
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$140,0007,385
2005-03-31 (YTD Data)Rank
Total interest income$653,0006,914
Total interest expense$205,0006,475
Net interest income$448,0006,992
Provision for loan and lease losses$-14,0008,739
Total noninterest income$30,0007,797
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$13,0007,104
Trading account gains and fees$0115
Additional Noninterest Income$17,0007,096
Total noninterest expense$368,0006,996
Salaries and employee benefits$148,0007,695
Premises and equipment expense$109,0004,578
Additional noninterest expense$111,0006,877
Pre-tax net operating income$124,0006,905
Securities gains (losses)$01,685
Applicable income taxes$47,0004,839
Income before extraordinary items$77,0007,291
Extraordinary gains, net$024
Net income$77,0007,291
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,095
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$77,0007,259
2004-12-31 (YTD Data)Rank
Total interest income$2,369,0007,020
Total interest expense$767,0006,362
Net interest income$1,602,0007,178
Provision for loan and lease losses$49,0005,966
Total noninterest income$176,0007,365
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$87,0006,666
Trading account gains and fees$0138
Additional Noninterest Income$89,0006,612
Total noninterest expense$1,467,0006,937
Salaries and employee benefits$574,0007,755
Premises and equipment expense$413,0004,652
Additional noninterest expense$480,0006,666
Pre-tax net operating income$262,0007,568
Securities gains (losses)$03,819
Applicable income taxes$102,0005,491
Income before extraordinary items$160,0007,835
Extraordinary gains, net$034
Net income$160,0007,834
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0006,654
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$160,0007,793
2004-09-30 (YTD Data)Rank
Total interest income$1,731,0007,108
Total interest expense$565,0006,385
Net interest income$1,166,0007,262
Provision for loan and lease losses$49,0005,424
Total noninterest income$139,0007,329
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$70,0006,623
Trading account gains and fees$0134
Additional Noninterest Income$69,0006,565
Total noninterest expense$1,036,0007,071
Salaries and employee benefits$413,0007,790
Premises and equipment expense$311,0004,653
Additional noninterest expense$312,0007,000
Pre-tax net operating income$220,0007,602
Securities gains (losses)$03,710
Applicable income taxes$87,0005,499
Income before extraordinary items$133,0007,894
Extraordinary gains, net$026
Net income$133,0007,897
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0005,881
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$133,0007,845
2004-06-30 (YTD Data)Rank
Total interest income$1,116,0007,211
Total interest expense$370,0006,473
Net interest income$746,0007,380
Provision for loan and lease losses$30,0005,293
Total noninterest income$88,0007,448
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$47,0006,635
Trading account gains and fees$0130
Additional Noninterest Income$41,0006,763
Total noninterest expense$682,0007,161
Salaries and employee benefits$280,0007,818
Premises and equipment expense$206,0004,676
Additional noninterest expense$196,0007,174
Pre-tax net operating income$122,0007,742
Securities gains (losses)$03,413
Applicable income taxes$48,0005,678
Income before extraordinary items$74,0008,042
Extraordinary gains, net$021
Net income$74,0008,044
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0005,183
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$74,0007,982
2004-03-31 (YTD Data)Rank
Total interest income$552,0007,279
Total interest expense$185,0006,543
Net interest income$367,0007,450
Provision for loan and lease losses$12,0005,458
Total noninterest income$44,0007,434
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$26,0006,426
Trading account gains and fees$0121
Additional Noninterest Income$18,0006,980
Total noninterest expense$328,0007,286
Salaries and employee benefits$132,0007,954
Premises and equipment expense$103,0004,692
Additional noninterest expense$93,0007,316
Pre-tax net operating income$71,0007,585
Securities gains (losses)$02,934
Applicable income taxes$28,0005,476
Income before extraordinary items$43,0007,916
Extraordinary gains, net$016
Net income$43,0007,917
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0004,134
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$43,0007,854
2003-12-31 (YTD Data)Rank
Total interest income$1,968,0007,572
Total interest expense$683,0007,099
Net interest income$1,285,0007,683
Provision for loan and lease losses$07,651
Total noninterest income$172,0007,592
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$97,0006,604
Trading account gains and fees$0160
Additional Noninterest Income$75,0006,981
Total noninterest expense$1,346,0007,177
Salaries and employee benefits$521,0008,008
Premises and equipment expense$464,0004,296
Additional noninterest expense$361,0007,375
Pre-tax net operating income$111,0008,161
Securities gains (losses)$04,500
Applicable income taxes$-640,0009,107
Income before extraordinary items$751,0005,394
Extraordinary gains, net$054
Net income$751,0005,395
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,416
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$751,0005,249
2003-09-30 (YTD Data)Rank
Total interest income$1,440,0007,725
Total interest expense$518,0007,228
Net interest income$922,0007,836
Provision for loan and lease losses$07,481
Total noninterest income$127,0007,673
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$69,0006,736
Trading account gains and fees$0153
Additional Noninterest Income$58,0007,004
Total noninterest expense$937,0007,357
Salaries and employee benefits$374,0008,083
Premises and equipment expense$308,0004,631
Additional noninterest expense$255,0007,516
Pre-tax net operating income$112,0008,164
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$112,0008,146
Extraordinary gains, net$040
Net income$112,0008,150
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$112,0008,009
2003-06-30 (YTD Data)Rank
Total interest income$952,0007,807
Total interest expense$363,0007,231
Net interest income$589,0007,934
Provision for loan and lease losses$07,324
Total noninterest income$87,0007,636
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$43,0006,840
Trading account gains and fees$0150
Additional Noninterest Income$44,0006,789
Total noninterest expense$627,0007,377
Salaries and employee benefits$253,0008,060
Premises and equipment expense$205,0004,630
Additional noninterest expense$169,0007,523
Pre-tax net operating income$49,0008,374
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$49,0008,431
Extraordinary gains, net$030
Net income$49,0008,433
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$49,0008,302
2003-03-31 (YTD Data)Rank
Total interest income$479,0007,845
Total interest expense$183,0007,307
Net interest income$296,0007,951
Provision for loan and lease losses$06,934
Total noninterest income$38,0007,830
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$20,0006,904
Trading account gains and fees$0134
Additional Noninterest Income$18,0007,075
Total noninterest expense$299,0007,524
Salaries and employee benefits$113,0008,316
Premises and equipment expense$104,0004,580
Additional noninterest expense$82,0007,612
Pre-tax net operating income$35,0008,230
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$35,0008,182
Extraordinary gains, net$021
Net income$35,0008,183
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$35,0008,042
2002-12-31 (YTD Data)Rank
Total interest income$1,887,0007,983
Total interest expense$768,0007,614
Net interest income$1,119,0008,082
Provision for loan and lease losses$150,0004,907
Total noninterest income$175,0007,563
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$113,0006,354
Trading account gains and fees$0153
Additional Noninterest Income$62,0007,289
Total noninterest expense$1,202,0007,463
Salaries and employee benefits$478,0008,229
Premises and equipment expense$396,0004,690
Additional noninterest expense$328,0007,597
Pre-tax net operating income$-58,0008,719
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$-58,0008,803
Extraordinary gains, net$070
Net income$-58,0008,803
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-58,0008,739
2001-12-31 (YTD Data)Rank
Total interest income$1,548,0008,684
Total interest expense$886,0008,243
Net interest income$662,0008,919
Provision for loan and lease losses$111,0005,423
Total noninterest income$82,0008,752
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$46,0007,679
Trading account gains and fees$0177
Additional Noninterest Income$36,0008,155
Total noninterest expense$1,336,0007,151
Salaries and employee benefits$556,0007,884
Premises and equipment expense$362,0004,920
Additional noninterest expense$418,0007,007
Pre-tax net operating income$-703,0009,247
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-703,0009,309
Extraordinary gains, net$0105
Net income$-703,0009,310
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-703,0009,280
2000-12-31 (YTD Data)Rank
Total interest income$1,016,0009,387
Total interest expense$523,0009,205
Net interest income$493,0009,469
Provision for loan and lease losses$154,0004,353
Total noninterest income$20,0009,671
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$9,0008,434
Trading account gains and feesNANA
Additional Noninterest Income$11,0009,368
Total noninterest expense$947,0008,173
Salaries and employee benefits$510,0008,192
Premises and equipment expense$97,0008,499
Additional noninterest expense$340,0007,630
Pre-tax net operating income$-588,0009,584
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-588,0009,616
Extraordinary gains, net$038
Net income$-588,0009,614
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-588,0009,614
1999-12-31 (YTD Data)Rank
Total interest income$164,00010,143
Total interest expense$26,00010,135
Net interest income$138,00010,119
Provision for loan and lease losses$35,0007,095
Total noninterest income$2,00010,138
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0008,846
Trading account gains and feesNANA
Additional Noninterest Income$1,00010,109
Total noninterest expense$627,0009,245
Salaries and employee benefits$352,0009,176
Premises and equipment expense$64,0009,355
Additional noninterest expense$211,0008,919
Pre-tax net operating income$-522,0009,862
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-522,0009,910
Extraordinary gains, net$035
Net income$-522,0009,908
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$5,958,000204
Net operating income$-522,0009,890

* 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.