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pointpathbank, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$50,0008,985
Total interest expense$5,0008,973
Net interest income$45,0008,979
Provision for loan and lease losses$07,100
Total noninterest income$642,0003,919
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$07,933
Trading account gains and fees$0134
Additional Noninterest Income$642,0002,401
Total noninterest expense$602,0008,146
Salaries and employee benefits$09,000
Premises and equipment expense$523,0003,132
Additional noninterest expense$79,0008,834
Pre-tax net operating income$85,0008,195
Securities gains (losses)$03,710
Applicable income taxes$33,0006,230
Income before extraordinary items$52,0008,307
Extraordinary gains, net$026
Net income$52,0008,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$52,0008,272
2004-06-30 (YTD Data)Rank
Total interest income$30,0009,048
Total interest expense$3,0009,030
Net interest income$27,0009,039
Provision for loan and lease losses$06,885
Total noninterest income$430,0003,929
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$07,979
Trading account gains and fees$0130
Additional Noninterest Income$430,0002,409
Total noninterest expense$401,0008,194
Salaries and employee benefits$09,056
Premises and equipment expense$349,0003,134
Additional noninterest expense$52,0008,895
Pre-tax net operating income$56,0008,214
Securities gains (losses)$03,413
Applicable income taxes$22,0006,231
Income before extraordinary items$34,0008,360
Extraordinary gains, net$021
Net income$34,0008,363
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$34,0008,295
2004-03-31 (YTD Data)Rank
Total interest income$17,0009,089
Total interest expense$1,0009,077
Net interest income$16,0009,078
Provision for loan and lease losses$06,501
Total noninterest income$218,0003,853
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$07,976
Trading account gains and fees$0121
Additional Noninterest Income$218,0002,333
Total noninterest expense$203,0008,217
Salaries and employee benefits$09,095
Premises and equipment expense$174,0003,178
Additional noninterest expense$29,0008,867
Pre-tax net operating income$31,0008,172
Securities gains (losses)$02,934
Applicable income taxes$12,0006,136
Income before extraordinary items$19,0008,342
Extraordinary gains, net$016
Net income$19,0008,343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$19,0008,278
2003-12-31 (YTD Data)Rank
Total interest income$69,0009,124
Total interest expense$4,0009,149
Net interest income$65,0009,112
Provision for loan and lease losses$07,651
Total noninterest income$686,0004,608
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$08,063
Trading account gains and fees$0160
Additional Noninterest Income$686,0003,004
Total noninterest expense$834,0008,209
Salaries and employee benefits$09,160
Premises and equipment expense$701,0003,077
Additional noninterest expense$133,0008,844
Pre-tax net operating income$-83,0008,631
Securities gains (losses)$04,500
Applicable income taxes$-33,0008,838
Income before extraordinary items$-50,0008,689
Extraordinary gains, net$054
Net income$-50,0008,692
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$0868
Net operating income$-50,0008,609
2003-09-30 (YTD Data)Rank
Total interest income$57,0009,194
Total interest expense$3,0009,203
Net interest income$54,0009,178
Provision for loan and lease losses$07,481
Total noninterest income$460,0004,961
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$08,111
Trading account gains and fees$0153
Additional Noninterest Income$460,0003,281
Total noninterest expense$639,0008,183
Salaries and employee benefits$09,215
Premises and equipment expense$526,0003,074
Additional noninterest expense$113,0008,789
Pre-tax net operating income$-125,0008,770
Securities gains (losses)$04,204
Applicable income taxes$-49,0009,017
Income before extraordinary items$-76,0008,818
Extraordinary gains, net$040
Net income$-76,0008,819
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$0722
Net operating income$-76,0008,746
2003-06-30 (YTD Data)Rank
Total interest income$34,0009,239
Total interest expense$1,0009,248
Net interest income$33,0009,222
Provision for loan and lease losses$07,324
Total noninterest income$267,0005,289
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$08,133
Trading account gains and fees$0150
Additional Noninterest Income$267,0003,509
Total noninterest expense$442,0008,135
Salaries and employee benefits$09,245
Premises and equipment expense$349,0003,081
Additional noninterest expense$93,0008,550
Pre-tax net operating income$-142,0008,873
Securities gains (losses)$03,782
Applicable income taxes$-55,0009,085
Income before extraordinary items$-87,0008,908
Extraordinary gains, net$030
Net income$-87,0008,909
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$0589
Net operating income$-87,0008,817
2003-03-31 (YTD Data)Rank
Total interest income$22,0009,278
Total interest expense$09,288
Net interest income$22,0009,261
Provision for loan and lease losses$06,934
Total noninterest income$95,0006,020
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$08,142
Trading account gains and fees$0134
Additional Noninterest Income$95,0004,025
Total noninterest expense$240,0008,013
Salaries and employee benefits$09,285
Premises and equipment expense$174,0003,100
Additional noninterest expense$66,0008,054
Pre-tax net operating income$-123,0008,996
Securities gains (losses)$02,891
Applicable income taxes$-48,0009,177
Income before extraordinary items$-75,0008,999
Extraordinary gains, net$021
Net income$-75,0008,996
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$0419
Net operating income$-75,0008,918
2002-12-31 (YTD Data)Rank
Total interest income$89,0009,310
Total interest expense$7,0009,320
Net interest income$82,0009,303
Provision for loan and lease losses$08,089
Total noninterest income$225,0007,066
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$173,0005,555
Trading account gains and fees$0153
Additional Noninterest Income$52,0007,558
Total noninterest expense$1,301,0007,243
Salaries and employee benefits$09,330
Premises and equipment expense$697,0003,011
Additional noninterest expense$604,0005,908
Pre-tax net operating income$-994,0009,121
Securities gains (losses)$04,537
Applicable income taxes$-387,0009,218
Income before extraordinary items$-607,0009,078
Extraordinary gains, net$070
Net income$-607,0009,075
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$-488,0009,299
Net operating income$-607,0009,035
2001-12-31 (YTD Data)Rank
Total interest income$251,0009,519
Total interest expense$9,0009,566
Net interest income$242,0009,463
Provision for loan and lease losses$08,228
Total noninterest income$984,0003,375
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$475,0002,960
Trading account gains and fees$0177
Additional Noninterest Income$509,0003,103
Total noninterest expense$5,261,0002,691
Salaries and employee benefits$1,753,0003,988
Premises and equipment expense$366,0004,887
Additional noninterest expense$3,142,0001,481
Pre-tax net operating income$-4,035,0009,554
Securities gains (losses)$04,612
Applicable income taxes$-1,572,0009,570
Income before extraordinary items$-2,463,0009,542
Extraordinary gains, net$0105
Net income$-2,463,0009,543
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$37,000772
Net operating income$-2,463,0009,523
2000-12-31 (YTD Data)Rank
Total interest income$302,0009,787
Total interest expense$09,874
Net interest income$302,0009,697
Provision for loan and lease losses$08,337
Total noninterest income$16,0009,705
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$12,0008,388
Trading account gains and feesNANA
Additional Noninterest Income$4,0009,680
Total noninterest expense$5,222,0002,601
Salaries and employee benefits$1,284,0004,942
Premises and equipment expense$101,0008,420
Additional noninterest expense$3,837,0001,191
Pre-tax net operating income$-4,904,0009,871
Securities gains (losses)$01,956
Applicable income taxes$-1,906,0009,862
Income before extraordinary items$-2,998,0009,840
Extraordinary gains, net$038
Net income$-2,998,0009,839
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$34,000810
Net operating income$-2,998,0009,841

* 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.