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Opportunity Bank, Income and Expense

2012-03-31 (YTD Data)Rank
Total interest income$706,0005,768
Total interest expense$90,0006,046
Net interest income$616,0005,635
Provision for loan and lease losses$45,0003,771
Total noninterest income$19,0006,683
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$9,0006,588
Trading account gains and fees$0148
Additional Noninterest Income$10,0006,212
Total noninterest expense$576,0005,467
Salaries and employee benefits$425,0004,624
Premises and equipment expense$86,0004,752
Additional noninterest expense$65,0006,894
Pre-tax net operating income$14,0006,290
Securities gains (losses)$02,210
Applicable income taxes$04,704
Income before extraordinary items$14,0006,390
Extraordinary gains, net$019
Net income$14,0006,389
Minority interest net income$078
Net income of bank and minority interests.$14,0006,390
Net charge-offs$145,0002,129
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$14,0006,265
2011-12-31 (YTD Data)Rank
Total interest income$3,035,0005,735
Total interest expense$470,0005,970
Net interest income$2,565,0005,605
Provision for loan and lease losses$106,0005,294
Total noninterest income$95,0006,473
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$63,0006,099
Trading account gains and fees$0146
Additional Noninterest Income$32,0006,182
Total noninterest expense$3,543,0004,460
Salaries and employee benefits$1,818,0004,417
Premises and equipment expense$336,0004,975
Additional noninterest expense$1,389,0004,057
Pre-tax net operating income$-989,0006,575
Securities gains (losses)$2,0003,652
Applicable income taxes$04,719
Income before extraordinary items$-987,0006,636
Extraordinary gains, net$029
Net income$-987,0006,637
Minority interest net income$096
Net income of bank and minority interests.$-987,0006,636
Net charge-offs$15,0005,983
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$-989,0006,608
2011-09-30 (YTD Data)Rank
Total interest income$2,325,0005,753
Total interest expense$363,0006,029
Net interest income$1,962,0005,596
Provision for loan and lease losses$106,0004,885
Total noninterest income$67,0006,606
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$53,0006,003
Trading account gains and fees$0145
Additional Noninterest Income$14,0006,536
Total noninterest expense$2,777,0004,339
Salaries and employee benefits$1,409,0004,327
Premises and equipment expense$267,0004,889
Additional noninterest expense$1,101,0003,905
Pre-tax net operating income$-854,0006,752
Securities gains (losses)$2,0003,369
Applicable income taxes$04,740
Income before extraordinary items$-852,0006,812
Extraordinary gains, net$021
Net income$-852,0006,813
Minority interest net income$087
Net income of bank and minority interests.$-852,0006,812
Net charge-offs$16,0005,628
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$-854,0006,782
2011-06-30 (YTD Data)Rank
Total interest income$1,555,0005,789
Total interest expense$253,0006,063
Net interest income$1,302,0005,641
Provision for loan and lease losses$106,0004,329
Total noninterest income$39,0006,768
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$37,0005,936
Trading account gains and fees$0153
Additional Noninterest Income$2,0006,876
Total noninterest expense$1,934,0004,254
Salaries and employee benefits$933,0004,383
Premises and equipment expense$177,0004,945
Additional noninterest expense$824,0003,670
Pre-tax net operating income$-699,0006,879
Securities gains (losses)$2,0002,702
Applicable income taxes$04,697
Income before extraordinary items$-697,0006,928
Extraordinary gains, net$015
Net income$-697,0006,927
Minority interest net income$089
Net income of bank and minority interests.$-697,0006,928
Net charge-offs$21,0005,023
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$-699,0006,911
2011-03-31 (YTD Data)Rank
Total interest income$741,0005,933
Total interest expense$134,0006,047
Net interest income$607,0005,803
Provision for loan and lease losses$05,840
Total noninterest income$28,0006,542
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$19,0005,858
Trading account gains and fees$0158
Additional Noninterest Income$9,0006,441
Total noninterest expense$949,0004,336
Salaries and employee benefits$456,0004,477
Premises and equipment expense$91,0004,936
Additional noninterest expense$402,0003,713
Pre-tax net operating income$-314,0006,948
Securities gains (losses)$1,0001,662
Applicable income taxes$04,545
Income before extraordinary items$-313,0006,994
Extraordinary gains, net$09
Net income$-313,0006,994
Minority interest net income$086
Net income of bank and minority interests.$-313,0006,994
Net charge-offs$8,0004,474
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$-314,0006,983
2010-12-31 (YTD Data)Rank
Total interest income$3,019,0006,018
Total interest expense$881,0005,515
Net interest income$2,138,0006,108
Provision for loan and lease losses$1,653,0002,326
Total noninterest income$77,0006,856
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$72,0005,886
Trading account gains and fees$0175
Additional Noninterest Income$5,0006,877
Total noninterest expense$3,577,0004,531
Salaries and employee benefits$1,792,0004,539
Premises and equipment expense$341,0005,122
Additional noninterest expense$1,444,0004,107
Pre-tax net operating income$-3,015,0006,921
Securities gains (losses)$6,0003,427
Applicable income taxes$04,655
Income before extraordinary items$-3,009,0006,997
Extraordinary gains, net$029
Net income$-3,009,0006,997
Minority interest net income$0111
Net income of bank and minority interests.$-3,009,0006,998
Net charge-offs$1,756,0002,009
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$-3,015,0006,975
2010-09-30 (YTD Data)Rank
Total interest income$2,298,0006,097
Total interest expense$679,0005,605
Net interest income$1,619,0006,177
Provision for loan and lease losses$515,0003,494
Total noninterest income$85,0006,712
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$57,0005,911
Trading account gains and fees$0165
Additional Noninterest Income$28,0006,472
Total noninterest expense$2,587,0004,646
Salaries and employee benefits$1,328,0004,613
Premises and equipment expense$265,0005,110
Additional noninterest expense$994,0004,319
Pre-tax net operating income$-1,398,0006,916
Securities gains (losses)$6,0003,242
Applicable income taxes$04,726
Income before extraordinary items$-1,392,0007,017
Extraordinary gains, net$023
Net income$-1,392,0007,016
Minority interest net income$0110
Net income of bank and minority interests.$-1,392,0007,017
Net charge-offs$667,0002,698
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-1,398,0006,983
2010-06-30 (YTD Data)Rank
Total interest income$1,547,0006,112
Total interest expense$469,0005,622
Net interest income$1,078,0006,220
Provision for loan and lease losses$415,0003,132
Total noninterest income$56,0006,738
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$37,0005,969
Trading account gains and fees$0152
Additional Noninterest Income$19,0006,502
Total noninterest expense$1,669,0004,741
Salaries and employee benefits$886,0004,629
Premises and equipment expense$174,0005,189
Additional noninterest expense$609,0004,548
Pre-tax net operating income$-950,0006,987
Securities gains (losses)$1,0003,060
Applicable income taxes$04,691
Income before extraordinary items$-949,0007,073
Extraordinary gains, net$019
Net income$-949,0007,072
Minority interest net income$0105
Net income of bank and minority interests.$-949,0007,073
Net charge-offs$226,0003,393
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-950,0007,043
2010-03-31 (YTD Data)Rank
Total interest income$777,0006,182
Total interest expense$241,0005,688
Net interest income$536,0006,265
Provision for loan and lease losses$50,0004,831
Total noninterest income$29,0006,778
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$20,0005,909
Trading account gains and fees$0175
Additional Noninterest Income$9,0006,695
Total noninterest expense$920,0004,519
Salaries and employee benefits$544,0004,107
Premises and equipment expense$88,0005,241
Additional noninterest expense$288,0004,709
Pre-tax net operating income$-405,0007,103
Securities gains (losses)$1,0002,151
Applicable income taxes$04,611
Income before extraordinary items$-404,0007,184
Extraordinary gains, net$016
Net income$-404,0007,186
Minority interest net income$091
Net income of bank and minority interests.$-404,0007,185
Net charge-offs$-29,0007,715
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$-405,0007,165
2009-12-31 (YTD Data)Rank
Total interest income$3,177,0006,237
Total interest expense$1,334,0005,424
Net interest income$1,843,0006,519
Provision for loan and lease losses$2,251,0002,326
Total noninterest income$130,0006,733
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$113,0005,582
Trading account gains and fees$0211
Additional Noninterest Income$17,0007,025
Total noninterest expense$3,084,0005,099
Salaries and employee benefits$1,676,0004,867
Premises and equipment expense$357,0005,275
Additional noninterest expense$1,051,0005,115
Pre-tax net operating income$-3,362,0006,960
Securities gains (losses)$-8,0006,985
Applicable income taxes$04,388
Income before extraordinary items$-3,370,0007,059
Extraordinary gains, net$034
Net income$-3,370,0007,057
Minority interest net income$0115
Net income of bank and minority interests.$-3,370,0007,057
Net charge-offs$2,326,0001,859
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-3,362,0007,059
2009-09-30 (YTD Data)Rank
Total interest income$2,437,0006,241
Total interest expense$1,067,0005,411
Net interest income$1,370,0006,576
Provision for loan and lease losses$2,022,0001,885
Total noninterest income$107,0006,765
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$93,0005,473
Trading account gains and fees$0212
Additional Noninterest Income$14,0007,156
Total noninterest expense$2,291,0005,150
Salaries and employee benefits$1,255,0004,905
Premises and equipment expense$255,0005,418
Additional noninterest expense$781,0005,128
Pre-tax net operating income$-2,836,0007,252
Securities gains (losses)$03,497
Applicable income taxes$04,592
Income before extraordinary items$-2,836,0007,349
Extraordinary gains, net$027
Net income$-2,836,0007,349
Minority interest net income$0118
Net income of bank and minority interests.$-2,836,0007,349
Net charge-offs$1,847,0001,576
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-2,836,0007,340
2009-06-30 (YTD Data)Rank
Total interest income$1,663,0006,260
Total interest expense$766,0005,368
Net interest income$897,0006,635
Provision for loan and lease losses$200,0004,313
Total noninterest income$79,0006,694
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$69,0005,320
Trading account gains and fees$0193
Additional Noninterest Income$10,0007,243
Total noninterest expense$1,524,0005,207
Salaries and employee benefits$870,0004,855
Premises and equipment expense$167,0005,518
Additional noninterest expense$487,0005,312
Pre-tax net operating income$-748,0006,860
Securities gains (losses)$03,136
Applicable income taxes$04,657
Income before extraordinary items$-748,0006,985
Extraordinary gains, net$021
Net income$-748,0006,985
Minority interest net income$0112
Net income of bank and minority interests.$-748,0006,985
Net charge-offs$100,0004,241
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-748,0006,972
2009-03-31 (YTD Data)Rank
Total interest income$825,0006,325
Total interest expense$410,0005,337
Net interest income$415,0006,810
Provision for loan and lease losses$110,0003,735
Total noninterest income$45,0006,509
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$39,0005,065
Trading account gains and fees$0171
Additional Noninterest Income$6,0007,210
Total noninterest expense$828,0004,850
Salaries and employee benefits$497,0004,485
Premises and equipment expense$84,0005,551
Additional noninterest expense$247,0004,984
Pre-tax net operating income$-478,0007,297
Securities gains (losses)$02,434
Applicable income taxes$04,835
Income before extraordinary items$-478,0007,429
Extraordinary gains, net$015
Net income$-478,0007,429
Minority interest net income$0102
Net income of bank and minority interests.$-478,0007,430
Net charge-offs$100,0002,864
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-478,0007,396
2008-12-31 (YTD Data)Rank
Total interest income$3,290,0006,434
Total interest expense$1,447,0006,053
Net interest income$1,843,0006,597
Provision for loan and lease losses$350,0004,356
Total noninterest income$121,0007,108
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$86,0006,103
Trading account gains and fees$0154
Additional Noninterest Income$35,0007,078
Total noninterest expense$3,120,0004,997
Salaries and employee benefits$1,923,0004,594
Premises and equipment expense$321,0005,631
Additional noninterest expense$876,0005,219
Pre-tax net operating income$-1,506,0007,217
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-1,506,0007,209
Extraordinary gains, net$039
Net income$-1,506,0007,206
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,039
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-1,506,0007,320
2008-09-30 (YTD Data)Rank
Total interest income$2,397,0006,566
Total interest expense$1,035,0006,250
Net interest income$1,362,0006,683
Provision for loan and lease losses$270,0003,724
Total noninterest income$79,0007,360
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$53,0006,369
Trading account gains and fees$0148
Additional Noninterest Income$26,0007,229
Total noninterest expense$2,326,0004,998
Salaries and employee benefits$1,419,0004,651
Premises and equipment expense$233,0005,733
Additional noninterest expense$674,0005,074
Pre-tax net operating income$-1,155,0007,605
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-1,155,0007,576
Extraordinary gains, net$031
Net income$-1,155,0007,575
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,534
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-1,155,0007,687
2008-06-30 (YTD Data)Rank
Total interest income$1,466,0006,796
Total interest expense$624,0006,612
Net interest income$842,0006,861
Provision for loan and lease losses$175,0003,369
Total noninterest income$47,0007,556
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$29,0006,599
Trading account gains and fees$0149
Additional Noninterest Income$18,0007,278
Total noninterest expense$1,531,0005,063
Salaries and employee benefits$916,0004,795
Premises and equipment expense$157,0005,743
Additional noninterest expense$458,0005,004
Pre-tax net operating income$-817,0007,804
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-817,0007,915
Extraordinary gains, net$021
Net income$-817,0007,914
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-817,0007,893
2008-03-31 (YTD Data)Rank
Total interest income$695,0006,992
Total interest expense$274,0007,001
Net interest income$421,0006,902
Provision for loan and lease losses$80,0003,055
Total noninterest income$21,0007,662
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$13,0006,679
Trading account gains and fees$0158
Additional Noninterest Income$8,0007,392
Total noninterest expense$725,0005,250
Salaries and employee benefits$451,0004,874
Premises and equipment expense$77,0005,819
Additional noninterest expense$197,0005,417
Pre-tax net operating income$-363,0007,965
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-363,0008,046
Extraordinary gains, net$015
Net income$-363,0008,045
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$01,000
Net operating income$-363,0008,022
2007-12-31 (YTD Data)Rank
Total interest income$1,042,0008,171
Total interest expense$175,0008,323
Net interest income$867,0007,913
Provision for loan and lease losses$250,0003,497
Total noninterest income$10,0008,305
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$1,0007,464
Trading account gains and fees$0178
Additional Noninterest Income$9,0008,086
Total noninterest expense$1,590,0006,781
Salaries and employee benefits$784,0007,019
Premises and equipment expense$139,0007,344
Additional noninterest expense$667,0005,866
Pre-tax net operating income$-963,0008,038
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-963,0008,097
Extraordinary gains, net$039
Net income$-963,0008,094
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$16,000,000113
Net operating income$-963,0008,091
2007-09-30 (YTD Data)Rank
Total interest income$467,0008,402
Total interest expense$71,0008,434
Net interest income$396,0008,314
Provision for loan and lease losses$175,0003,251
Total noninterest income$3,0008,402
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$07,525
Trading account gains and fees$0184
Additional Noninterest Income$3,0008,269
Total noninterest expense$790,0007,554
Salaries and employee benefits$325,0007,952
Premises and equipment expense$62,0007,913
Additional noninterest expense$403,0006,382
Pre-tax net operating income$-566,0008,118
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-566,0008,169
Extraordinary gains, net$033
Net income$-566,0008,165
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$16,000,00081
Net operating income$-566,0008,157
2007-06-30 (YTD Data)Rank
Total interest income$13,0008,609
Total interest expense$08,596
Net interest income$13,0008,607
Provision for loan and lease losses$55,0004,254
Total noninterest income$08,515
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$07,560
Trading account gains and fees$0168
Additional Noninterest Income$08,426
Total noninterest expense$275,0008,317
Salaries and employee benefits$26,0008,582
Premises and equipment expense$08,576
Additional noninterest expense$249,0006,596
Pre-tax net operating income$-317,0008,170
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$-317,0008,219
Extraordinary gains, net$029
Net income$-317,0008,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$16,000,00056
Net operating income$-317,0008,208

* 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.