Home > Seasons Bank > Income and Expense

Seasons Bank, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$4,973,000	4,710
Total interest expense	$2,207,000	4,281
Net interest income	$2,766,000	4,929
Provision for loan and lease losses	$1,873,000	424
Total noninterest income	$191,000	6,548
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$148,000	5,057
Trading account gains and fees	$0	126
Additional Noninterest Income	$43,000	7,127
Total noninterest expense	$2,129,000	5,058
Salaries and employee benefits	$1,081,000	5,305
Premises and equipment expense	$160,000	6,605
Additional noninterest expense	$888,000	3,955
Pre-tax net operating income	$-1,045,000	8,595
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-1,045,000	8,615
Extraordinary gains, net	$0	45
Net income	$-1,045,000	8,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$356,000	1,026
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$425,000	476
Net operating income	$-1,045,000	8,606
2006-06-30 (YTD Data)		Rank
Total interest income	$3,162,000	4,791
Total interest expense	$1,348,000	4,377
Net interest income	$1,814,000	5,008
Provision for loan and lease losses	$308,000	1,439
Total noninterest income	$125,000	6,586
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$97,000	5,082
Trading account gains and fees	$0	126
Additional Noninterest Income	$28,000	7,198
Total noninterest expense	$1,427,000	5,061
Salaries and employee benefits	$718,000	5,333
Premises and equipment expense	$110,000	6,558
Additional noninterest expense	$599,000	3,918
Pre-tax net operating income	$204,000	7,060
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$204,000	6,730
Extraordinary gains, net	$0	39
Net income	$204,000	6,731
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$198,000	1,098
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$425,000	350
Net operating income	$204,000	6,739
2006-03-31 (YTD Data)		Rank
Total interest income	$1,481,000	4,925
Total interest expense	$626,000	4,462
Net interest income	$855,000	5,204
Provision for loan and lease losses	$110,000	1,864
Total noninterest income	$49,000	6,973
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$35,000	5,651
Trading account gains and fees	$0	115
Additional Noninterest Income	$14,000	7,173
Total noninterest expense	$688,000	5,186
Salaries and employee benefits	$348,000	5,462
Premises and equipment expense	$56,000	6,526
Additional noninterest expense	$284,000	4,062
Pre-tax net operating income	$106,000	6,982
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$106,000	6,639
Extraordinary gains, net	$0	21
Net income	$106,000	6,640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	1,683
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$425,000	195
Net operating income	$106,000	6,630
2005-12-31 (YTD Data)		Rank
Total interest income	$4,414,000	5,542
Total interest expense	$1,768,000	4,791
Net interest income	$2,646,000	5,894
Provision for loan and lease losses	$396,000	2,300
Total noninterest income	$153,000	7,463
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$113,000	6,094
Trading account gains and fees	$0	138
Additional Noninterest Income	$40,000	7,623
Total noninterest expense	$2,507,000	5,369
Salaries and employee benefits	$1,147,000	5,926
Premises and equipment expense	$206,000	6,671
Additional noninterest expense	$1,154,000	3,973
Pre-tax net operating income	$-104,000	8,336
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-104,000	8,366
Extraordinary gains, net	$0	46
Net income	$-104,000	8,366
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	4,711
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-104,000	8,339
2005-09-30 (YTD Data)		Rank
Total interest income	$3,041,000	5,756
Total interest expense	$1,204,000	4,925
Net interest income	$1,837,000	6,131
Provision for loan and lease losses	$283,000	2,289
Total noninterest income	$107,000	7,593
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$81,000	6,223
Trading account gains and fees	$0	126
Additional Noninterest Income	$26,000	7,789
Total noninterest expense	$1,813,000	5,457
Salaries and employee benefits	$822,000	6,040
Premises and equipment expense	$154,000	6,648
Additional noninterest expense	$837,000	4,042
Pre-tax net operating income	$-152,000	8,462
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-152,000	8,492
Extraordinary gains, net	$0	35
Net income	$-152,000	8,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,057
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$-152,000	8,463
2005-06-30 (YTD Data)		Rank
Total interest income	$1,843,000	5,983
Total interest expense	$687,000	5,207
Net interest income	$1,156,000	6,285
Provision for loan and lease losses	$197,000	2,196
Total noninterest income	$65,000	7,685
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$49,000	6,343
Trading account gains and fees	$0	116
Additional Noninterest Income	$16,000	7,844
Total noninterest expense	$1,169,000	5,552
Salaries and employee benefits	$539,000	6,112
Premises and equipment expense	$101,000	6,676
Additional noninterest expense	$529,000	4,185
Pre-tax net operating income	$-145,000	8,520
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-145,000	8,544
Extraordinary gains, net	$0	30
Net income	$-145,000	8,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,061
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-145,000	8,520
2005-03-31 (YTD Data)		Rank
Total interest income	$821,000	6,316
Total interest expense	$290,000	5,571
Net interest income	$531,000	6,550
Provision for loan and lease losses	$71,000	2,655
Total noninterest income	$32,000	7,719
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$24,000	6,339
Trading account gains and fees	$0	115
Additional Noninterest Income	$8,000	7,922
Total noninterest expense	$578,000	5,629
Salaries and employee benefits	$280,000	6,012
Premises and equipment expense	$50,000	6,770
Additional noninterest expense	$248,000	4,387
Pre-tax net operating income	$-86,000	8,628
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-86,000	8,648
Extraordinary gains, net	$0	24
Net income	$-86,000	8,648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,877
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-86,000	8,625
2004-12-31 (YTD Data)		Rank
Total interest income	$2,531,000	6,859
Total interest expense	$892,000	5,972
Net interest income	$1,639,000	7,133
Provision for loan and lease losses	$303,000	2,883
Total noninterest income	$94,000	8,142
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$77,000	6,812
Trading account gains and fees	$0	138
Additional Noninterest Income	$17,000	8,308
Total noninterest expense	$1,894,000	6,191
Salaries and employee benefits	$881,000	6,681
Premises and equipment expense	$180,000	6,974
Additional noninterest expense	$833,000	4,963
Pre-tax net operating income	$-464,000	8,643
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$-464,000	8,702
Extraordinary gains, net	$0	34
Net income	$-464,000	8,704
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,079
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-464,000	8,673
2004-09-30 (YTD Data)		Rank
Total interest income	$1,735,000	7,105
Total interest expense	$612,000	6,197
Net interest income	$1,123,000	7,336
Provision for loan and lease losses	$254,000	2,554
Total noninterest income	$64,000	8,300
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$53,000	6,988
Trading account gains and fees	$0	134
Additional Noninterest Income	$11,000	8,414
Total noninterest expense	$1,380,000	6,249
Salaries and employee benefits	$633,000	6,768
Premises and equipment expense	$136,000	6,942
Additional noninterest expense	$611,000	4,994
Pre-tax net operating income	$-447,000	8,756
Securities gains (losses)	$-10,000	8,513
Applicable income taxes	$0	7,220
Income before extraordinary items	$-457,000	8,795
Extraordinary gains, net	$0	26
Net income	$-457,000	8,797
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,844
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-447,000	8,767
2004-06-30 (YTD Data)		Rank
Total interest income	$1,066,000	7,305
Total interest expense	$379,000	6,411
Net interest income	$687,000	7,543
Provision for loan and lease losses	$172,000	2,496
Total noninterest income	$35,000	8,502
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$28,000	7,267
Trading account gains and fees	$0	130
Additional Noninterest Income	$7,000	8,495
Total noninterest expense	$902,000	6,358
Salaries and employee benefits	$404,000	6,920
Premises and equipment expense	$95,000	6,896
Additional noninterest expense	$403,000	5,037
Pre-tax net operating income	$-352,000	8,836
Securities gains (losses)	$-7,000	8,631
Applicable income taxes	$0	7,214
Income before extraordinary items	$-359,000	8,880
Extraordinary gains, net	$0	21
Net income	$-359,000	8,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,267
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-352,000	8,850
2004-03-31 (YTD Data)		Rank
Total interest income	$475,000	7,599
Total interest expense	$188,000	6,500
Net interest income	$287,000	7,928
Provision for loan and lease losses	$76,000	2,538
Total noninterest income	$14,000	8,663
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$10,000	7,505
Trading account gains and fees	$0	121
Additional Noninterest Income	$4,000	8,419
Total noninterest expense	$450,000	6,407
Salaries and employee benefits	$197,000	7,026
Premises and equipment expense	$49,000	6,832
Additional noninterest expense	$204,000	5,003
Pre-tax net operating income	$-225,000	8,928
Securities gains (losses)	$-2,000	8,748
Applicable income taxes	$0	7,103
Income before extraordinary items	$-227,000	8,961
Extraordinary gains, net	$0	16
Net income	$-227,000	8,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,994
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-225,000	8,936
2003-12-31 (YTD Data)		Rank
Total interest income	$1,004,000	8,578
Total interest expense	$501,000	7,739
Net interest income	$503,000	8,806
Provision for loan and lease losses	$271,000	3,392
Total noninterest income	$30,000	8,938
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$22,000	7,818
Trading account gains and fees	$0	160
Additional Noninterest Income	$8,000	8,827
Total noninterest expense	$2,032,000	5,953
Salaries and employee benefits	$1,011,000	6,222
Premises and equipment expense	$191,000	6,893
Additional noninterest expense	$830,000	4,928
Pre-tax net operating income	$-1,770,000	9,064
Securities gains (losses)	$-9,000	8,769
Applicable income taxes	$0	7,459
Income before extraordinary items	$-1,779,000	9,108
Extraordinary gains, net	$0	54
Net income	$-1,779,000	9,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$8,250,000	118
Net operating income	$-1,770,000	9,071
2003-09-30 (YTD Data)		Rank
Total interest income	$580,000	8,856
Total interest expense	$304,000	8,219
Net interest income	$276,000	9,019
Provision for loan and lease losses	$236,000	2,975
Total noninterest income	$19,000	9,045
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$13,000	7,924
Trading account gains and fees	$0	153
Additional Noninterest Income	$6,000	8,884
Total noninterest expense	$1,549,000	5,870
Salaries and employee benefits	$771,000	6,134
Premises and equipment expense	$171,000	6,455
Additional noninterest expense	$607,000	4,961
Pre-tax net operating income	$-1,490,000	9,132
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-1,490,000	9,173
Extraordinary gains, net	$0	40
Net income	$-1,490,000	9,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	6,378
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$8,250,000	77
Net operating income	$-1,490,000	9,137
2003-06-30 (YTD Data)		Rank
Total interest income	$290,000	9,030
Total interest expense	$159,000	8,591
Net interest income	$131,000	9,136
Provision for loan and lease losses	$135,000	3,272
Total noninterest income	$9,000	9,120
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$6,000	8,002
Trading account gains and fees	$0	150
Additional Noninterest Income	$3,000	8,960
Total noninterest expense	$1,254,000	5,190
Salaries and employee benefits	$637,000	5,418
Premises and equipment expense	$149,000	5,669
Additional noninterest expense	$468,000	4,460
Pre-tax net operating income	$-1,249,000	9,185
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-1,249,000	9,227
Extraordinary gains, net	$0	30
Net income	$-1,249,000	9,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$8,266,000	48
Net operating income	$-1,249,000	9,189
2003-03-31 (YTD Data)		Rank
Total interest income	$77,000	9,207
Total interest expense	$56,000	8,920
Net interest income	$21,000	9,266
Provision for loan and lease losses	$34,000	4,352
Total noninterest income	$2,000	9,206
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$2,000	8,071
Trading account gains and fees	$0	134
Additional Noninterest Income	$0	9,145
Total noninterest expense	$913,000	3,949
Salaries and employee benefits	$473,000	4,070
Premises and equipment expense	$129,000	3,947
Additional noninterest expense	$307,000	3,593
Pre-tax net operating income	$-930,000	9,258
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-930,000	9,278
Extraordinary gains, net	$0	21
Net income	$-930,000	9,276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$8,250,000	23
Net operating income	$-930,000	9,248

* 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.