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Nuestro Banco, Income and Expense

2009-12-31 (YTD Data)Rank
Total interest income$874,0007,774
Total interest expense$152,0007,844
Net interest income$722,0007,679
Provision for loan and lease losses$738,0003,962
Total noninterest income$114,0006,877
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$50,0006,472
Trading account gains and fees$0211
Additional Noninterest Income$64,0006,127
Total noninterest expense$1,968,0006,271
Salaries and employee benefits$672,0007,038
Premises and equipment expense$411,0004,919
Additional noninterest expense$885,0005,560
Pre-tax net operating income$-1,870,0006,590
Securities gains (losses)$76,0002,337
Applicable income taxes$04,388
Income before extraordinary items$-1,794,0006,681
Extraordinary gains, net$034
Net income$-1,794,0006,680
Minority interest net income$0115
Net income of bank and minority interests.$-1,794,0006,680
Net charge-offs$531,0003,706
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-1,870,0006,703
2009-09-30 (YTD Data)Rank
Total interest income$692,0007,842
Total interest expense$128,0007,910
Net interest income$564,0007,725
Provision for loan and lease losses$190,0005,217
Total noninterest income$92,0006,921
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$40,0006,466
Trading account gains and fees$0212
Additional Noninterest Income$52,0006,183
Total noninterest expense$1,551,0006,176
Salaries and employee benefits$689,0006,447
Premises and equipment expense$310,0004,939
Additional noninterest expense$552,0006,020
Pre-tax net operating income$-1,085,0006,696
Securities gains (losses)$03,497
Applicable income taxes$04,592
Income before extraordinary items$-1,085,0006,790
Extraordinary gains, net$027
Net income$-1,085,0006,790
Minority interest net income$0118
Net income of bank and minority interests.$-1,085,0006,791
Net charge-offs$188,0004,318
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$15,0001,132
Net operating income$-1,085,0006,786
2009-06-30 (YTD Data)Rank
Total interest income$444,0007,945
Total interest expense$98,0007,969
Net interest income$346,0007,849
Provision for loan and lease losses$189,0004,414
Total noninterest income$59,0007,006
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$29,0006,437
Trading account gains and fees$0193
Additional Noninterest Income$30,0006,402
Total noninterest expense$1,077,0006,114
Salaries and employee benefits$469,0006,477
Premises and equipment expense$212,0004,915
Additional noninterest expense$396,0005,851
Pre-tax net operating income$-861,0006,943
Securities gains (losses)$03,136
Applicable income taxes$04,657
Income before extraordinary items$-861,0007,068
Extraordinary gains, net$021
Net income$-861,0007,067
Minority interest net income$0112
Net income of bank and minority interests.$-861,0007,067
Net charge-offs$187,0003,503
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$14,0001,056
Net operating income$-861,0007,053
2009-03-31 (YTD Data)Rank
Total interest income$225,0007,995
Total interest expense$52,0008,018
Net interest income$173,0007,902
Provision for loan and lease losses$184,0002,973
Total noninterest income$22,0007,336
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$16,0006,311
Trading account gains and fees$0171
Additional Noninterest Income$6,0007,210
Total noninterest expense$544,0006,056
Salaries and employee benefits$249,0006,404
Premises and equipment expense$110,0004,855
Additional noninterest expense$185,0005,787
Pre-tax net operating income$-533,0007,355
Securities gains (losses)$02,434
Applicable income taxes$04,835
Income before extraordinary items$-533,0007,474
Extraordinary gains, net$015
Net income$-533,0007,474
Minority interest net income$0102
Net income of bank and minority interests.$-533,0007,475
Net charge-offs$134,0002,533
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$14,000825
Net operating income$-533,0007,450
2008-12-31 (YTD Data)Rank
Total interest income$823,0008,077
Total interest expense$193,0008,113
Net interest income$630,0007,987
Provision for loan and lease losses$1,121,0002,538
Total noninterest income$66,0007,611
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$40,0006,778
Trading account gains and fees$0154
Additional Noninterest Income$26,0007,270
Total noninterest expense$2,884,0005,249
Salaries and employee benefits$1,549,0005,246
Premises and equipment expense$415,0004,986
Additional noninterest expense$920,0005,083
Pre-tax net operating income$-3,309,0007,639
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-3,309,0007,658
Extraordinary gains, net$039
Net income$-3,309,0007,656
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$544,0002,687
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$210,000759
Net operating income$-3,309,0007,724
2008-09-30 (YTD Data)Rank
Total interest income$597,0008,179
Total interest expense$135,0008,211
Net interest income$462,0008,083
Provision for loan and lease losses$738,0002,198
Total noninterest income$99,0007,128
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$31,0006,807
Trading account gains and fees$0148
Additional Noninterest Income$68,0006,176
Total noninterest expense$2,181,0005,204
Salaries and employee benefits$1,247,0005,045
Premises and equipment expense$303,0005,087
Additional noninterest expense$631,0005,276
Pre-tax net operating income$-2,358,0007,923
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-2,358,0007,927
Extraordinary gains, net$031
Net income$-2,358,0007,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$178,0003,204
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$184,000603
Net operating income$-2,358,0007,996
2008-06-30 (YTD Data)Rank
Total interest income$359,0008,275
Total interest expense$71,0008,313
Net interest income$288,0008,176
Provision for loan and lease losses$388,0002,207
Total noninterest income$56,0007,355
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$30,0006,564
Trading account gains and fees$0149
Additional Noninterest Income$26,0006,950
Total noninterest expense$1,441,0005,255
Salaries and employee benefits$836,0005,080
Premises and equipment expense$182,0005,392
Additional noninterest expense$423,0005,249
Pre-tax net operating income$-1,485,0008,077
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-1,485,0008,146
Extraordinary gains, net$021
Net income$-1,485,0008,146
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0005,014
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$157,000456
Net operating income$-1,485,0008,136
2008-03-31 (YTD Data)Rank
Total interest income$160,0008,358
Total interest expense$31,0008,367
Net interest income$129,0008,277
Provision for loan and lease losses$31,0004,334
Total noninterest income$22,0007,623
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$12,0006,732
Trading account gains and fees$0158
Additional Noninterest Income$10,0007,226
Total noninterest expense$584,0005,881
Salaries and employee benefits$367,0005,493
Premises and equipment expense$87,0005,531
Additional noninterest expense$130,0006,526
Pre-tax net operating income$-464,0008,061
Securities gains (losses)$02,688
Applicable income taxes$19,0004,403
Income before extraordinary items$-483,0008,140
Extraordinary gains, net$015
Net income$-483,0008,139
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$01,000
Net operating income$-483,0008,123
2007-12-31 (YTD Data)Rank
Total interest income$311,0008,453
Total interest expense$66,0008,414
Net interest income$245,0008,443
Provision for loan and lease losses$21,0006,304
Total noninterest income$7,0008,335
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$4,0007,400
Trading account gains and fees$0178
Additional Noninterest Income$3,0008,238
Total noninterest expense$2,219,0005,933
Salaries and employee benefits$1,097,0006,238
Premises and equipment expense$141,0007,323
Additional noninterest expense$981,0004,723
Pre-tax net operating income$-1,988,0008,273
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-1,988,0008,317
Extraordinary gains, net$039
Net income$-1,988,0008,314
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$14,228,000134
Net operating income$-1,988,0008,305
2007-09-30 (YTD Data)Rank
Total interest income$157,0008,519
Total interest expense$61,0008,444
Net interest income$96,0008,529
Provision for loan and lease losses$06,528
Total noninterest income$08,457
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$07,525
Trading account gains and fees$0184
Additional Noninterest Income$08,377
Total noninterest expense$1,444,0006,299
Salaries and employee benefits$491,0007,361
Premises and equipment expense$106,0007,322
Additional noninterest expense$847,0004,205
Pre-tax net operating income$-1,348,0008,364
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-1,348,0008,391
Extraordinary gains, net$033
Net income$-1,348,0008,388
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$13,501,000101
Net operating income$-1,348,0008,385

* 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.