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South Louisiana Business Bank, Income and Expense

2011-09-30 (YTD Data)Rank
Total interest income$1,526,0006,481
Total interest expense$463,0005,586
Net interest income$1,063,0006,650
Provision for loan and lease losses$06,393
Total noninterest income$9,0007,052
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$20,0006,703
Trading account gains and fees$0145
Additional Noninterest Income$-11,0006,928
Total noninterest expense$1,433,0005,927
Salaries and employee benefits$730,0005,924
Premises and equipment expense$170,0005,833
Additional noninterest expense$533,0005,698
Pre-tax net operating income$-361,0006,521
Securities gains (losses)$03,555
Applicable income taxes$-185,0007,080
Income before extraordinary items$-176,0006,485
Extraordinary gains, net$021
Net income$-176,0006,488
Minority interest net income$087
Net income of bank and minority interests.$-176,0006,488
Net charge-offs$06,185
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$68,000637
Net operating income$-176,0006,412
2011-06-30 (YTD Data)Rank
Total interest income$1,007,0006,554
Total interest expense$318,0005,630
Net interest income$689,0006,738
Provision for loan and lease losses$06,217
Total noninterest income$14,0007,077
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$13,0006,739
Trading account gains and fees$0153
Additional Noninterest Income$1,0006,916
Total noninterest expense$779,0006,355
Salaries and employee benefits$459,0006,086
Premises and equipment expense$112,0005,883
Additional noninterest expense$208,0006,620
Pre-tax net operating income$-76,0006,379
Securities gains (losses)$02,914
Applicable income taxes$-87,0007,089
Income before extraordinary items$11,0006,254
Extraordinary gains, net$015
Net income$11,0006,254
Minority interest net income$089
Net income of bank and minority interests.$11,0006,254
Net charge-offs$05,875
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$6,000884
Net operating income$11,0006,173
2011-03-31 (YTD Data)Rank
Total interest income$484,0006,660
Total interest expense$159,0005,734
Net interest income$325,0006,838
Provision for loan and lease losses$05,840
Total noninterest income$6,0007,188
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$5,0006,822
Trading account gains and fees$0158
Additional Noninterest Income$1,0007,012
Total noninterest expense$392,0006,389
Salaries and employee benefits$234,0006,100
Premises and equipment expense$56,0005,948
Additional noninterest expense$102,0006,699
Pre-tax net operating income$-61,0006,579
Securities gains (losses)$01,772
Applicable income taxes$-79,0007,250
Income before extraordinary items$18,0006,150
Extraordinary gains, net$09
Net income$18,0006,149
Minority interest net income$086
Net income of bank and minority interests.$18,0006,150
Net charge-offs$05,107
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$6,000762
Net operating income$18,0006,116
2010-12-31 (YTD Data)Rank
Total interest income$1,753,0006,888
Total interest expense$671,0006,045
Net interest income$1,082,0007,092
Provision for loan and lease losses$150,0005,638
Total noninterest income$27,0007,164
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$26,0006,555
Trading account gains and fees$0175
Additional Noninterest Income$1,0006,937
Total noninterest expense$1,604,0006,407
Salaries and employee benefits$957,0006,116
Premises and equipment expense$188,0006,303
Additional noninterest expense$459,0006,638
Pre-tax net operating income$-645,0006,328
Securities gains (losses)$03,793
Applicable income taxes$-226,0006,989
Income before extraordinary items$-419,0006,325
Extraordinary gains, net$029
Net income$-419,0006,326
Minority interest net income$0111
Net income of bank and minority interests.$-419,0006,326
Net charge-offs$06,851
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$62,000890
Net operating income$-419,0006,276
2010-09-30 (YTD Data)Rank
Total interest income$1,279,0007,027
Total interest expense$505,0006,192
Net interest income$774,0007,239
Provision for loan and lease losses$129,0005,458
Total noninterest income$20,0007,321
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$19,0006,661
Trading account gains and fees$0165
Additional Noninterest Income$1,0007,117
Total noninterest expense$1,139,0006,559
Salaries and employee benefits$677,0006,268
Premises and equipment expense$117,0006,659
Additional noninterest expense$345,0006,685
Pre-tax net operating income$-474,0006,534
Securities gains (losses)$03,651
Applicable income taxes$-169,0007,167
Income before extraordinary items$-305,0006,527
Extraordinary gains, net$023
Net income$-305,0006,528
Minority interest net income$0110
Net income of bank and minority interests.$-305,0006,527
Net charge-offs$06,672
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$6,0001,090
Net operating income$-305,0006,451
2010-06-30 (YTD Data)Rank
Total interest income$846,0007,100
Total interest expense$339,0006,267
Net interest income$507,0007,310
Provision for loan and lease losses$168,0004,477
Total noninterest income$15,0007,381
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$14,0006,675
Trading account gains and fees$0152
Additional Noninterest Income$1,0007,201
Total noninterest expense$751,0006,614
Salaries and employee benefits$452,0006,305
Premises and equipment expense$69,0006,856
Additional noninterest expense$230,0006,722
Pre-tax net operating income$-397,0006,665
Securities gains (losses)$03,184
Applicable income taxes$-133,0007,244
Income before extraordinary items$-264,0006,643
Extraordinary gains, net$019
Net income$-264,0006,645
Minority interest net income$0105
Net income of bank and minority interests.$-264,0006,644
Net charge-offs$06,372
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$6,000998
Net operating income$-264,0006,593
2010-03-31 (YTD Data)Rank
Total interest income$406,0007,239
Total interest expense$169,0006,411
Net interest income$237,0007,454
Provision for loan and lease losses$72,0004,420
Total noninterest income$8,0007,486
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$8,0006,669
Trading account gains and fees$0175
Additional Noninterest Income$07,418
Total noninterest expense$387,0006,647
Salaries and employee benefits$231,0006,352
Premises and equipment expense$33,0006,994
Additional noninterest expense$123,0006,689
Pre-tax net operating income$-214,0006,850
Securities gains (losses)$02,284
Applicable income taxes$-101,0007,450
Income before extraordinary items$-113,0006,784
Extraordinary gains, net$016
Net income$-113,0006,785
Minority interest net income$091
Net income of bank and minority interests.$-113,0006,784
Net charge-offs$05,610
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$6,000885
Net operating income$-113,0006,733
2009-12-31 (YTD Data)Rank
Total interest income$1,175,0007,617
Total interest expense$462,0007,213
Net interest income$713,0007,692
Provision for loan and lease losses$153,0006,042
Total noninterest income$22,0007,578
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$19,0006,903
Trading account gains and fees$0211
Additional Noninterest Income$3,0007,342
Total noninterest expense$1,484,0006,820
Salaries and employee benefits$907,0006,440
Premises and equipment expense$135,0007,060
Additional noninterest expense$442,0006,962
Pre-tax net operating income$-902,0006,216
Securities gains (losses)$03,754
Applicable income taxes$-254,0006,824
Income before extraordinary items$-648,0006,163
Extraordinary gains, net$034
Net income$-648,0006,163
Minority interest net income$0115
Net income of bank and minority interests.$-648,0006,163
Net charge-offs$07,246
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$248,000670
Net operating income$-648,0006,164
2009-09-30 (YTD Data)Rank
Total interest income$817,0007,748
Total interest expense$295,0007,475
Net interest income$522,0007,782
Provision for loan and lease losses$115,0005,805
Total noninterest income$15,0007,731
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$13,0006,976
Trading account gains and fees$0212
Additional Noninterest Income$2,0007,528
Total noninterest expense$1,033,0006,978
Salaries and employee benefits$634,0006,629
Premises and equipment expense$67,0007,538
Additional noninterest expense$332,0006,994
Pre-tax net operating income$-611,0006,413
Securities gains (losses)$03,497
Applicable income taxes$-172,0007,065
Income before extraordinary items$-439,0006,370
Extraordinary gains, net$027
Net income$-439,0006,371
Minority interest net income$0118
Net income of bank and minority interests.$-439,0006,370
Net charge-offs$06,987
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$192,000589
Net operating income$-439,0006,365
2009-06-30 (YTD Data)Rank
Total interest income$488,0007,895
Total interest expense$141,0007,831
Net interest income$347,0007,846
Provision for loan and lease losses$64,0005,788
Total noninterest income$9,0007,827
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$7,0007,083
Trading account gains and fees$0193
Additional Noninterest Income$2,0007,623
Total noninterest expense$698,0007,010
Salaries and employee benefits$436,0006,637
Premises and equipment expense$40,0007,696
Additional noninterest expense$222,0007,038
Pre-tax net operating income$-406,0006,549
Securities gains (losses)$03,136
Applicable income taxes$-117,0007,186
Income before extraordinary items$-289,0006,525
Extraordinary gains, net$021
Net income$-289,0006,524
Minority interest net income$0112
Net income of bank and minority interests.$-289,0006,524
Net charge-offs$06,628
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$192,000478
Net operating income$-289,0006,510
2009-03-31 (YTD Data)Rank
Total interest income$217,0008,011
Total interest expense$55,0007,994
Net interest income$162,0007,940
Provision for loan and lease losses$20,0005,880
Total noninterest income$3,0007,960
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$3,0007,123
Trading account gains and fees$0171
Additional Noninterest Income$07,833
Total noninterest expense$319,0007,162
Salaries and employee benefits$219,0006,663
Premises and equipment expense$22,0007,659
Additional noninterest expense$78,0007,415
Pre-tax net operating income$-174,0006,838
Securities gains (losses)$02,434
Applicable income taxes$-50,0007,420
Income before extraordinary items$-124,0006,862
Extraordinary gains, net$015
Net income$-124,0006,863
Minority interest net income$0102
Net income of bank and minority interests.$-124,0006,863
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$192,000275
Net operating income$-124,0006,782
2008-12-31 (YTD Data)Rank
Total interest income$351,0008,219
Total interest expense$76,0008,213
Net interest income$275,0008,203
Provision for loan and lease losses$64,0006,395
Total noninterest income$2,0008,079
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$2,0007,282
Trading account gains and fees$0154
Additional Noninterest Income$07,939
Total noninterest expense$1,072,0007,454
Salaries and employee benefits$658,0007,263
Premises and equipment expense$50,0008,046
Additional noninterest expense$364,0007,188
Pre-tax net operating income$-859,0006,950
Securities gains (losses)$03,220
Applicable income taxes$-250,0007,273
Income before extraordinary items$-609,0006,775
Extraordinary gains, net$039
Net income$-609,0006,775
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$13,630,000127
Net operating income$-609,0006,907
2008-09-30 (YTD Data)Rank
Total interest income$153,0008,348
Total interest expense$34,0008,314
Net interest income$119,0008,337
Provision for loan and lease losses$50,0005,872
Total noninterest income$08,226
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$07,386
Trading account gains and fees$0148
Additional Noninterest Income$08,105
Total noninterest expense$759,0007,552
Salaries and employee benefits$452,0007,432
Premises and equipment expense$19,0008,275
Additional noninterest expense$288,0007,119
Pre-tax net operating income$-690,0007,373
Securities gains (losses)$03,106
Applicable income taxes$-218,0007,673
Income before extraordinary items$-472,0007,170
Extraordinary gains, net$031
Net income$-472,0007,167
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$13,217,00086
Net operating income$-472,0007,303

* 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.