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Pend Oreille Bank, Income and Expense

2003-06-30 (YTD Data)Rank
Total interest income$2,184,0005,445
Total interest expense$541,0006,153
Net interest income$1,643,0005,008
Provision for loan and lease losses$234,0002,265
Total noninterest income$213,0005,861
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$150,0004,294
Trading account gains and fees$0150
Additional Noninterest Income$63,0006,165
Total noninterest expense$1,617,0004,353
Salaries and employee benefits$972,0004,008
Premises and equipment expense$213,0004,529
Additional noninterest expense$432,0004,732
Pre-tax net operating income$5,0008,631
Securities gains (losses)$03,782
Applicable income taxes$-15,0009,011
Income before extraordinary items$20,0008,646
Extraordinary gains, net$030
Net income$20,0008,647
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$51,0003,391
Cash dividends$102,0004,212
Sale, conversion, retirement of capital stock, net$0589
Net operating income$20,0008,525
2003-03-31 (YTD Data)Rank
Total interest income$1,105,0005,423
Total interest expense$286,0006,093
Net interest income$819,0005,005
Provision for loan and lease losses$4,0006,606
Total noninterest income$95,0006,020
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$67,0004,483
Trading account gains and fees$0134
Additional Noninterest Income$28,0006,362
Total noninterest expense$659,0005,016
Salaries and employee benefits$324,0005,369
Premises and equipment expense$109,0004,452
Additional noninterest expense$226,0004,556
Pre-tax net operating income$251,0005,270
Securities gains (losses)$02,891
Applicable income taxes$72,0004,550
Income before extraordinary items$179,0005,596
Extraordinary gains, net$021
Net income$179,0005,595
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-36,0009,043
Cash dividends$97,0003,006
Sale, conversion, retirement of capital stock, net$0419
Net operating income$179,0005,399
2002-12-31 (YTD Data)Rank
Total interest income$4,326,0005,662
Total interest expense$1,441,0005,855
Net interest income$2,885,0005,401
Provision for loan and lease losses$109,0005,586
Total noninterest income$326,0006,270
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$219,0005,009
Trading account gains and fees$0153
Additional Noninterest Income$107,0006,305
Total noninterest expense$2,364,0005,275
Salaries and employee benefits$1,296,0005,198
Premises and equipment expense$370,0004,916
Additional noninterest expense$698,0005,412
Pre-tax net operating income$738,0005,966
Securities gains (losses)$04,537
Applicable income taxes$182,0005,244
Income before extraordinary items$556,0006,158
Extraordinary gains, net$070
Net income$556,0006,158
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$145,0003,573
Cash dividends$168,0005,081
Sale, conversion, retirement of capital stock, net$0862
Net operating income$556,0006,005
2001-12-31 (YTD Data)Rank
Total interest income$4,942,0005,647
Total interest expense$2,070,0005,986
Net interest income$2,872,0005,240
Provision for loan and lease losses$557,0002,022
Total noninterest income$353,0006,003
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$236,0004,788
Trading account gains and fees$0177
Additional Noninterest Income$117,0006,058
Total noninterest expense$2,167,0005,438
Salaries and employee benefits$1,117,0005,591
Premises and equipment expense$382,0004,745
Additional noninterest expense$668,0005,440
Pre-tax net operating income$502,0006,537
Securities gains (losses)$04,612
Applicable income taxes$116,0005,821
Income before extraordinary items$386,0006,659
Extraordinary gains, net$0105
Net income$386,0006,662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$343,0002,035
Cash dividends$220,0004,872
Sale, conversion, retirement of capital stock, net$0922
Net operating income$386,0006,520
2000-12-31 (YTD Data)Rank
Total interest income$4,978,0005,750
Total interest expense$2,109,0006,115
Net interest income$2,869,0005,313
Provision for loan and lease losses$200,0003,731
Total noninterest income$390,0005,593
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$239,0004,632
Trading account gains and feesNANA
Additional Noninterest Income$151,0005,452
Total noninterest expense$2,192,0005,343
Salaries and employee benefits$1,162,0005,350
Premises and equipment expense$340,0005,036
Additional noninterest expense$690,0005,225
Pre-tax net operating income$867,0005,650
Securities gains (losses)$01,956
Applicable income taxes$265,0004,854
Income before extraordinary items$602,0005,835
Extraordinary gains, net$038
Net income$602,0005,833
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$85,0003,854
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$602,0005,850
1999-12-31 (YTD Data)Rank
Total interest income$3,931,0006,431
Total interest expense$1,479,0007,031
Net interest income$2,452,0005,868
Provision for loan and lease losses$116,0004,933
Total noninterest income$399,0005,624
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$213,0004,959
Trading account gains and feesNANA
Additional Noninterest Income$186,0005,107
Total noninterest expense$2,132,0005,429
Salaries and employee benefits$1,037,0005,737
Premises and equipment expense$322,0005,254
Additional noninterest expense$773,0004,917
Pre-tax net operating income$603,0006,700
Securities gains (losses)$03,155
Applicable income taxes$186,0005,858
Income before extraordinary items$417,0006,891
Extraordinary gains, net$035
Net income$417,0006,891
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$114,0003,343
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$417,0006,867
1998-12-31 (YTD Data)Rank
Total interest income$3,749,0006,706
Total interest expense$1,581,0007,012
Net interest income$2,168,0006,348
Provision for loan and lease losses$96,0005,205
Total noninterest income$326,0006,246
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$218,0004,896
Trading account gains and feesNANA
Additional Noninterest Income$108,0006,447
Total noninterest expense$1,875,0005,831
Salaries and employee benefits$885,0006,274
Premises and equipment expense$304,0005,343
Additional noninterest expense$686,0005,243
Pre-tax net operating income$523,0007,255
Securities gains (losses)$04,449
Applicable income taxes$148,0006,865
Income before extraordinary items$375,0007,367
Extraordinary gains, net$032
Net income$375,0007,366
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-31,0009,983
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$375,0007,294
1997-12-31 (YTD Data)Rank
Total interest income$3,370,0007,327
Total interest expense$1,411,0007,556
Net interest income$1,959,0006,999
Provision for loan and lease losses$104,0005,080
Total noninterest income$231,0007,453
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$184,0005,596
Trading account gains and feesNANA
Additional Noninterest Income$47,0008,573
Total noninterest expense$1,564,0006,627
Salaries and employee benefits$800,0006,781
Premises and equipment expense$285,0005,598
Additional noninterest expense$479,0006,685
Pre-tax net operating income$522,0007,803
Securities gains (losses)$03,944
Applicable income taxes$76,0008,804
Income before extraordinary items$446,0007,341
Extraordinary gains, net$044
Net income$446,0007,344
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0003,417
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$446,0007,288
1996-12-31 (YTD Data)Rank
Total interest income$2,794,0008,286
Total interest expense$1,166,0008,483
Net interest income$1,628,0007,955
Provision for loan and lease losses$20,0007,945
Total noninterest income$187,0008,425
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$146,0006,543
Trading account gains and feesNANA
Additional Noninterest Income$41,0009,308
Total noninterest expense$1,298,0007,666
Salaries and employee benefits$673,0007,696
Premises and equipment expense$184,0007,341
Additional noninterest expense$441,0007,542
Pre-tax net operating income$497,0007,952
Securities gains (losses)$04,148
Applicable income taxes$165,0007,653
Income before extraordinary items$332,0008,141
Extraordinary gains, net$053
Net income$332,0008,141
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0007,175
Cash dividends$320,0004,362
Sale, conversion, retirement of capital stock, net$0953
Net operating income$332,0008,083
1995-12-31 (YTD Data)Rank
Total interest income$2,657,0008,702
Total interest expense$1,122,0008,837
Net interest income$1,535,0008,442
Provision for loan and lease losses$82,0005,048
Total noninterest income$191,0008,570
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$134,0007,003
Trading account gains and feesNANA
Additional Noninterest Income$57,0008,889
Total noninterest expense$1,017,0008,877
Salaries and employee benefits$567,0008,599
Premises and equipment expense$125,0008,917
Additional noninterest expense$325,0008,978
Pre-tax net operating income$627,0007,722
Securities gains (losses)$03,831
Applicable income taxes$162,0008,063
Income before extraordinary items$465,0007,517
Extraordinary gains, net$065
Net income$465,0007,516
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,779
Cash dividends$28,0008,233
Sale, conversion, retirement of capital stock, net$0809
Net operating income$465,0007,489
1994-12-31 (YTD Data)Rank
Total interest income$2,088,0009,633
Total interest expense$737,0009,891
Net interest income$1,351,0009,314
Provision for loan and lease losses$09,146
Total noninterest income$163,0009,449
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$110,0007,844
Trading account gains and feesNANA
Additional Noninterest Income$53,0009,460
Total noninterest expense$971,0009,475
Salaries and employee benefits$510,0009,304
Premises and equipment expense$123,0009,301
Additional noninterest expense$338,0009,495
Pre-tax net operating income$543,0008,366
Securities gains (losses)$03,600
Applicable income taxes$180,0007,704
Income before extraordinary items$363,0008,526
Extraordinary gains, net$0249
Net income$363,0008,530
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,00010,674
Cash dividends$36,0008,262
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$363,0008,569
1993-12-31 (YTD Data)Rank
Total interest income$1,685,00010,840
Total interest expense$606,00011,102
Net interest income$1,079,00010,484
Provision for loan and lease losses$010,371
Total noninterest income$145,00010,311
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$104,0008,262
Trading account gains and feesNANA
Additional Noninterest Income$41,00010,614
Total noninterest expense$844,00010,453
Salaries and employee benefits$423,00010,412
Premises and equipment expense$134,0009,351
Additional noninterest expense$287,00010,601
Pre-tax net operating income$380,0009,579
Securities gains (losses)$07,477
Applicable income taxes$115,0009,413
Income before extraordinary items$265,0009,869
Extraordinary gains, net$03,149
Net income$265,00010,007
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-87,00012,893
Cash dividends$22,0008,642
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$265,0009,616
1992-12-31 (YTD Data)Rank
Total interest income$1,541,00011,858
Total interest expense$600,00012,290
Net interest income$941,00011,338
Provision for loan and lease losses$011,756
Total noninterest income$145,00010,591
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$92,0008,756
Trading account gains and feesNANA
Additional Noninterest Income$53,00010,222
Total noninterest expense$750,00011,258
Salaries and employee benefits$380,00011,094
Premises and equipment expense$133,0009,598
Additional noninterest expense$237,00011,712
Pre-tax net operating income$336,0009,809
Securities gains (losses)$08,369
Applicable income taxes$105,0009,775
Income before extraordinary items$231,00010,166
Extraordinary gains, net$01,422
Net income$231,00010,308
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,00012,698
Cash dividends$1,0008,899
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$231,0009,808

* 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.