Home > Northwest Business Bank > Income and Expense

Northwest Business Bank, Income and Expense

2005-09-30 (YTD Data)		Rank
Total interest income	$6,831,000	3,337
Total interest expense	$2,305,000	3,128
Net interest income	$4,526,000	3,394
Provision for loan and lease losses	$300,000	2,192
Total noninterest income	$109,000	7,560
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$45,000	6,963
Trading account gains and fees	$0	126
Additional Noninterest Income	$64,000	6,654
Total noninterest expense	$2,393,000	4,556
Salaries and employee benefits	$1,367,000	4,401
Premises and equipment expense	$458,000	3,599
Additional noninterest expense	$568,000	5,288
Pre-tax net operating income	$1,942,000	3,125
Securities gains (losses)	$0	2,317
Applicable income taxes	$671,000	2,453
Income before extraordinary items	$1,271,000	3,526
Extraordinary gains, net	$0	35
Net income	$1,271,000	3,527
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$233,000	1,519
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$20,000	690
Net operating income	$1,271,000	3,492
2005-06-30 (YTD Data)		Rank
Total interest income	$4,460,000	3,334
Total interest expense	$1,423,000	3,181
Net interest income	$3,037,000	3,375
Provision for loan and lease losses	$210,000	2,058
Total noninterest income	$72,000	7,573
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$34,000	6,810
Trading account gains and fees	$0	116
Additional Noninterest Income	$38,000	6,863
Total noninterest expense	$1,684,000	4,369
Salaries and employee benefits	$1,017,000	4,026
Premises and equipment expense	$297,000	3,664
Additional noninterest expense	$370,000	5,351
Pre-tax net operating income	$1,215,000	3,211
Securities gains (losses)	$0	2,146
Applicable income taxes	$421,000	2,536
Income before extraordinary items	$794,000	3,651
Extraordinary gains, net	$0	30
Net income	$794,000	3,653
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$20,000	564
Net operating income	$794,000	3,603
2005-03-31 (YTD Data)		Rank
Total interest income	$2,136,000	3,412
Total interest expense	$648,000	3,308
Net interest income	$1,488,000	3,433
Provision for loan and lease losses	$120,000	1,733
Total noninterest income	$44,000	7,259
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$19,000	6,673
Trading account gains and fees	$0	115
Additional Noninterest Income	$25,000	6,471
Total noninterest expense	$889,000	4,213
Salaries and employee benefits	$550,000	3,809
Premises and equipment expense	$135,000	3,965
Additional noninterest expense	$204,000	4,996
Pre-tax net operating income	$523,000	3,557
Securities gains (losses)	$0	1,685
Applicable income taxes	$183,000	2,750
Income before extraordinary items	$340,000	4,028
Extraordinary gains, net	$0	24
Net income	$340,000	4,030
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$20,000	391
Net operating income	$340,000	3,989
2004-12-31 (YTD Data)		Rank
Total interest income	$7,936,000	3,433
Total interest expense	$1,675,000	4,185
Net interest income	$6,261,000	3,183
Provision for loan and lease losses	$625,000	1,589
Total noninterest income	$561,000	4,979
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$116,000	6,239
Trading account gains and fees	$0	138
Additional Noninterest Income	$445,000	3,525
Total noninterest expense	$3,244,000	4,418
Salaries and employee benefits	$1,846,000	4,255
Premises and equipment expense	$487,000	4,169
Additional noninterest expense	$911,000	4,647
Pre-tax net operating income	$2,953,000	2,628
Securities gains (losses)	$0	3,819
Applicable income taxes	$1,033,000	2,103
Income before extraordinary items	$1,920,000	3,022
Extraordinary gains, net	$0	34
Net income	$1,920,000	3,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$230,000	2,369
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,920,000	2,966
2004-09-30 (YTD Data)		Rank
Total interest income	$5,780,000	3,490
Total interest expense	$1,171,000	4,360
Net interest income	$4,609,000	3,229
Provision for loan and lease losses	$475,000	1,507
Total noninterest income	$450,000	4,833
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$93,000	6,165
Trading account gains and fees	$0	134
Additional Noninterest Income	$357,000	3,406
Total noninterest expense	$2,451,000	4,366
Salaries and employee benefits	$1,364,000	4,283
Premises and equipment expense	$400,000	3,873
Additional noninterest expense	$687,000	4,597
Pre-tax net operating income	$2,133,000	2,730
Securities gains (losses)	$0	3,710
Applicable income taxes	$747,000	2,211
Income before extraordinary items	$1,386,000	3,172
Extraordinary gains, net	$0	26
Net income	$1,386,000	3,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$210,000	1,842
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,386,000	3,089
2004-06-30 (YTD Data)		Rank
Total interest income	$3,819,000	3,505
Total interest expense	$743,000	4,504
Net interest income	$3,076,000	3,217
Provision for loan and lease losses	$305,000	1,504
Total noninterest income	$281,000	4,988
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$65,000	6,112
Trading account gains and fees	$0	130
Additional Noninterest Income	$216,000	3,595
Total noninterest expense	$1,684,000	4,295
Salaries and employee benefits	$922,000	4,236
Premises and equipment expense	$268,000	3,862
Additional noninterest expense	$494,000	4,360
Pre-tax net operating income	$1,368,000	2,776
Securities gains (losses)	$0	3,413
Applicable income taxes	$480,000	2,270
Income before extraordinary items	$888,000	3,262
Extraordinary gains, net	$0	21
Net income	$888,000	3,262
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$235,000	1,230
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$888,000	3,170
2004-03-31 (YTD Data)		Rank
Total interest income	$1,867,000	3,577
Total interest expense	$350,000	4,704
Net interest income	$1,517,000	3,228
Provision for loan and lease losses	$105,000	2,016
Total noninterest income	$135,000	5,039
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$32,000	6,092
Trading account gains and fees	$0	121
Additional Noninterest Income	$103,000	3,651
Total noninterest expense	$884,000	4,149
Salaries and employee benefits	$498,000	4,016
Premises and equipment expense	$135,000	3,876
Additional noninterest expense	$251,000	4,304
Pre-tax net operating income	$663,000	2,829
Securities gains (losses)	$0	2,934
Applicable income taxes	$229,000	2,342
Income before extraordinary items	$434,000	3,293
Extraordinary gains, net	$0	16
Net income	$434,000	3,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	3,775
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$434,000	3,178
2003-12-31 (YTD Data)		Rank
Total interest income	$6,194,000	4,218
Total interest expense	$1,163,000	5,667
Net interest income	$5,031,000	3,656
Provision for loan and lease losses	$785,000	1,479
Total noninterest income	$558,000	5,146
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$163,000	5,710
Trading account gains and fees	$0	160
Additional Noninterest Income	$395,000	4,000
Total noninterest expense	$3,081,000	4,523
Salaries and employee benefits	$1,668,000	4,497
Premises and equipment expense	$505,000	4,022
Additional noninterest expense	$908,000	4,592
Pre-tax net operating income	$1,723,000	3,756
Securities gains (losses)	$0	4,500
Applicable income taxes	$600,000	3,062
Income before extraordinary items	$1,123,000	4,304
Extraordinary gains, net	$0	54
Net income	$1,123,000	4,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$870,000	1,023
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,123,000	4,138
2003-09-30 (YTD Data)		Rank
Total interest income	$4,523,000	4,352
Total interest expense	$864,000	5,852
Net interest income	$3,659,000	3,778
Provision for loan and lease losses	$645,000	1,326
Total noninterest income	$380,000	5,441
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$128,000	5,647
Trading account gains and fees	$0	153
Additional Noninterest Income	$252,000	4,363
Total noninterest expense	$2,248,000	4,588
Salaries and employee benefits	$1,233,000	4,526
Premises and equipment expense	$375,000	4,049
Additional noninterest expense	$640,000	4,784
Pre-tax net operating income	$1,146,000	4,208
Securities gains (losses)	$0	4,204
Applicable income taxes	$401,000	3,414
Income before extraordinary items	$745,000	4,793
Extraordinary gains, net	$0	40
Net income	$745,000	4,794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$598,000	1,014
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$745,000	4,606
2003-06-30 (YTD Data)		Rank
Total interest income	$2,984,000	4,403
Total interest expense	$623,000	5,713
Net interest income	$2,361,000	3,872
Provision for loan and lease losses	$450,000	1,255
Total noninterest income	$261,000	5,347
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$92,000	5,460
Trading account gains and fees	$0	150
Additional Noninterest Income	$169,000	4,347
Total noninterest expense	$1,458,000	4,682
Salaries and employee benefits	$791,000	4,651
Premises and equipment expense	$241,000	4,161
Additional noninterest expense	$426,000	4,785
Pre-tax net operating income	$714,000	4,375
Securities gains (losses)	$0	3,782
Applicable income taxes	$249,000	3,558
Income before extraordinary items	$465,000	4,986
Extraordinary gains, net	$0	30
Net income	$465,000	4,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$511,000	830
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$465,000	4,785
2003-03-31 (YTD Data)		Rank
Total interest income	$1,506,000	4,414
Total interest expense	$328,000	5,670
Net interest income	$1,178,000	3,883
Provision for loan and lease losses	$225,000	1,208
Total noninterest income	$118,000	5,493
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$44,000	5,485
Trading account gains and fees	$0	134
Additional Noninterest Income	$74,000	4,499
Total noninterest expense	$718,000	4,722
Salaries and employee benefits	$392,000	4,676
Premises and equipment expense	$117,000	4,253
Additional noninterest expense	$209,000	4,798
Pre-tax net operating income	$353,000	4,368
Securities gains (losses)	$0	2,891
Applicable income taxes	$123,000	3,577
Income before extraordinary items	$230,000	4,952
Extraordinary gains, net	$0	21
Net income	$230,000	4,951
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,770
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$230,000	4,750
2002-12-31 (YTD Data)		Rank
Total interest income	$6,075,000	4,513
Total interest expense	$1,924,000	4,928
Net interest income	$4,151,000	4,232
Provision for loan and lease losses	$797,000	1,637
Total noninterest income	$434,000	5,579
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$172,000	5,563
Trading account gains and fees	$0	153
Additional Noninterest Income	$262,000	4,532
Total noninterest expense	$2,565,000	5,000
Salaries and employee benefits	$1,382,000	4,988
Premises and equipment expense	$440,000	4,333
Additional noninterest expense	$743,000	5,191
Pre-tax net operating income	$1,223,000	4,658
Securities gains (losses)	$0	4,537
Applicable income taxes	$312,000	4,373
Income before extraordinary items	$911,000	4,847
Extraordinary gains, net	$0	70
Net income	$911,000	4,847
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$538,000	1,579
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$911,000	4,722
2001-12-31 (YTD Data)		Rank
Total interest income	$4,851,000	5,725
Total interest expense	$2,032,000	6,048
Net interest income	$2,819,000	5,295
Provision for loan and lease losses	$403,000	2,605
Total noninterest income	$311,000	6,325
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$129,000	6,100
Trading account gains and fees	$0	177
Additional Noninterest Income	$182,000	5,143
Total noninterest expense	$2,256,000	5,299
Salaries and employee benefits	$1,284,000	5,076
Premises and equipment expense	$342,000	5,109
Additional noninterest expense	$630,000	5,668
Pre-tax net operating income	$471,000	6,671
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$471,000	6,211
Extraordinary gains, net	$0	105
Net income	$471,000	6,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,291
Cash dividends	$70,000	5,993
Sale, conversion, retirement of capital stock, net	$98,000	656
Net operating income	$471,000	6,087
2000-12-31 (YTD Data)		Rank
Total interest income	$3,436,000	6,985
Total interest expense	$1,568,000	7,030
Net interest income	$1,868,000	6,783
Provision for loan and lease losses	$250,000	3,225
Total noninterest income	$135,000	8,110
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	7,422
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	7,011
Total noninterest expense	$1,585,000	6,528
Salaries and employee benefits	$839,000	6,553
Premises and equipment expense	$279,000	5,663
Additional noninterest expense	$467,000	6,657
Pre-tax net operating income	$168,000	8,509
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$168,000	8,298
Extraordinary gains, net	$0	38
Net income	$168,000	8,296
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	$14,000	876
Net operating income	$168,000	8,305
1999-12-31 (YTD Data)		Rank
Total interest income	$1,355,000	9,245
Total interest expense	$592,000	9,231
Net interest income	$763,000	9,145
Provision for loan and lease losses	$274,000	2,882
Total noninterest income	$24,000	9,932
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	8,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	9,868
Total noninterest expense	$1,099,000	7,846
Salaries and employee benefits	$571,000	7,904
Premises and equipment expense	$236,000	6,244
Additional noninterest expense	$292,000	8,176
Pre-tax net operating income	$-586,000	9,903
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-586,000	9,953
Extraordinary gains, net	$0	35
Net income	$-586,000	9,952
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	$26,000	919
Net operating income	$-586,000	9,934
1998-12-31 (YTD Data)		Rank
Total interest income	$26,000	10,447
Total interest expense	$3,000	10,429
Net interest income	$23,000	10,442
Provision for loan and lease losses	$0	8,652
Total noninterest income	$0	10,416
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,383
Total noninterest expense	$350,000	10,161
Salaries and employee benefits	$41,000	10,431
Premises and equipment expense	$15,000	10,360
Additional noninterest expense	$294,000	8,168
Pre-tax net operating income	$-327,000	10,092
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-327,000	10,141
Extraordinary gains, net	$0	32
Net income	$-327,000	10,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$7,825,000	143
Net operating income	$-327,000	10,112

* 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.