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The Business Bank, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$5,917,0003,424
Total interest expense$1,622,0003,372
Net interest income$4,295,0003,403
Provision for loan and lease losses$678,0001,124
Total noninterest income$515,0004,454
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$287,0003,768
Trading account gains and fees$0134
Additional Noninterest Income$228,0004,244
Total noninterest expense$2,894,0003,824
Salaries and employee benefits$1,681,0003,627
Premises and equipment expense$391,0003,943
Additional noninterest expense$822,0004,002
Pre-tax net operating income$1,238,0004,084
Securities gains (losses)$03,710
Applicable income taxes$390,0003,349
Income before extraordinary items$848,0004,446
Extraordinary gains, net$026
Net income$848,0004,447
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$752,000699
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$848,0004,369
2004-06-30 (YTD Data)Rank
Total interest income$3,772,0003,536
Total interest expense$1,096,0003,316
Net interest income$2,676,0003,576
Provision for loan and lease losses$423,0001,170
Total noninterest income$376,0004,253
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$192,0003,743
Trading account gains and fees$0130
Additional Noninterest Income$184,0003,917
Total noninterest expense$1,914,0003,872
Salaries and employee benefits$1,094,0003,715
Premises and equipment expense$247,0004,121
Additional noninterest expense$573,0003,883
Pre-tax net operating income$715,0004,407
Securities gains (losses)$-2,0008,438
Applicable income taxes$221,0003,590
Income before extraordinary items$492,0004,778
Extraordinary gains, net$021
Net income$492,0004,779
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$571,000632
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$493,3804,678
2004-03-31 (YTD Data)Rank
Total interest income$1,861,0003,592
Total interest expense$557,0003,311
Net interest income$1,304,0003,640
Provision for loan and lease losses$198,0001,172
Total noninterest income$202,0004,039
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$103,0003,510
Trading account gains and fees$0121
Additional Noninterest Income$99,0003,738
Total noninterest expense$928,0003,998
Salaries and employee benefits$530,0003,818
Premises and equipment expense$120,0004,238
Additional noninterest expense$278,0003,983
Pre-tax net operating income$380,0004,209
Securities gains (losses)$02,934
Applicable income taxes$119,0003,502
Income before extraordinary items$261,0004,633
Extraordinary gains, net$016
Net income$261,0004,633
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0001,573
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$261,0004,506
2003-12-31 (YTD Data)Rank
Total interest income$7,222,0003,719
Total interest expense$2,365,0003,492
Net interest income$4,857,0003,754
Provision for loan and lease losses$662,0001,697
Total noninterest income$598,0004,979
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$297,0004,321
Trading account gains and fees$0160
Additional Noninterest Income$301,0004,499
Total noninterest expense$3,247,0004,366
Salaries and employee benefits$1,857,0004,161
Premises and equipment expense$442,0004,420
Additional noninterest expense$948,0004,442
Pre-tax net operating income$1,546,0004,053
Securities gains (losses)$-9,0008,769
Applicable income taxes$480,0003,444
Income before extraordinary items$1,057,0004,482
Extraordinary gains, net$054
Net income$1,057,0004,484
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$507,0001,587
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,063,2104,298
2003-09-30 (YTD Data)Rank
Total interest income$5,436,0003,753
Total interest expense$1,830,0003,513
Net interest income$3,606,0003,816
Provision for loan and lease losses$479,0001,732
Total noninterest income$465,0004,934
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$217,0004,403
Trading account gains and fees$0153
Additional Noninterest Income$248,0004,394
Total noninterest expense$2,405,0004,391
Salaries and employee benefits$1,326,0004,304
Premises and equipment expense$341,0004,338
Additional noninterest expense$738,0004,313
Pre-tax net operating income$1,187,0004,104
Securities gains (losses)$-7,0008,911
Applicable income taxes$365,0003,561
Income before extraordinary items$815,0004,544
Extraordinary gains, net$040
Net income$815,0004,544
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$377,0001,454
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$819,8304,357
2003-06-30 (YTD Data)Rank
Total interest income$3,633,0003,768
Total interest expense$1,251,0003,539
Net interest income$2,382,0003,848
Provision for loan and lease losses$299,0001,881
Total noninterest income$289,0005,094
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$138,0004,480
Trading account gains and fees$0150
Additional Noninterest Income$151,0004,563
Total noninterest expense$1,557,0004,459
Salaries and employee benefits$854,0004,416
Premises and equipment expense$226,0004,361
Additional noninterest expense$477,0004,394
Pre-tax net operating income$815,0004,002
Securities gains (losses)$03,782
Applicable income taxes$252,0003,542
Income before extraordinary items$563,0004,467
Extraordinary gains, net$030
Net income$563,0004,466
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$235,0001,474
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$563,0004,255
2003-03-31 (YTD Data)Rank
Total interest income$1,767,0003,882
Total interest expense$611,0003,690
Net interest income$1,156,0003,937
Provision for loan and lease losses$149,0001,828
Total noninterest income$136,0005,137
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$70,0004,383
Trading account gains and fees$0134
Additional Noninterest Income$66,0004,730
Total noninterest expense$765,0004,506
Salaries and employee benefits$424,0004,439
Premises and equipment expense$107,0004,503
Additional noninterest expense$234,0004,436
Pre-tax net operating income$378,0004,182
Securities gains (losses)$02,891
Applicable income taxes$115,0003,702
Income before extraordinary items$263,0004,598
Extraordinary gains, net$021
Net income$263,0004,598
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$219,000894
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$263,0004,386
2002-12-31 (YTD Data)Rank
Total interest income$7,005,0004,045
Total interest expense$2,724,0003,833
Net interest income$4,281,0004,134
Provision for loan and lease losses$436,0002,651
Total noninterest income$511,0005,153
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$238,0004,816
Trading account gains and fees$0153
Additional Noninterest Income$273,0004,454
Total noninterest expense$2,868,0004,608
Salaries and employee benefits$1,671,0004,320
Premises and equipment expense$273,0005,856
Additional noninterest expense$924,0004,450
Pre-tax net operating income$1,488,0004,141
Securities gains (losses)$04,537
Applicable income taxes$464,0003,603
Income before extraordinary items$1,024,0004,528
Extraordinary gains, net$070
Net income$1,024,0004,528
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$242,0002,718
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,024,0004,407
2001-12-31 (YTD Data)Rank
Total interest income$6,983,0004,443
Total interest expense$3,635,0004,092
Net interest income$3,348,0004,693
Provision for loan and lease losses$425,0002,486
Total noninterest income$334,0006,133
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$158,0005,693
Trading account gains and fees$0177
Additional Noninterest Income$176,0005,207
Total noninterest expense$2,337,0005,190
Salaries and employee benefits$1,398,0004,761
Premises and equipment expense$328,0005,245
Additional noninterest expense$611,0005,766
Pre-tax net operating income$920,0005,121
Securities gains (losses)$2,0004,242
Applicable income taxes$305,0004,228
Income before extraordinary items$617,0005,547
Extraordinary gains, net$0105
Net income$617,0005,551
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0005,919
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$615,6605,422
2000-12-31 (YTD Data)Rank
Total interest income$5,858,0005,169
Total interest expense$3,068,0004,836
Net interest income$2,790,0005,414
Provision for loan and lease losses$440,0002,094
Total noninterest income$183,0007,448
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$73,0007,143
Trading account gains and feesNANA
Additional Noninterest Income$110,0006,206
Total noninterest expense$1,997,0005,689
Salaries and employee benefits$1,171,0005,327
Premises and equipment expense$342,0005,015
Additional noninterest expense$484,0006,547
Pre-tax net operating income$536,0006,836
Securities gains (losses)$01,956
Applicable income taxes$190,0005,486
Income before extraordinary items$346,0007,178
Extraordinary gains, net$038
Net income$346,0007,176
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,027
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$346,0007,171
1999-12-31 (YTD Data)Rank
Total interest income$3,126,0007,222
Total interest expense$1,349,0007,303
Net interest income$1,777,0007,046
Provision for loan and lease losses$338,0002,426
Total noninterest income$91,0008,967
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$36,0008,167
Trading account gains and feesNANA
Additional Noninterest Income$55,0007,882
Total noninterest expense$1,791,0006,099
Salaries and employee benefits$1,023,0005,790
Premises and equipment expense$349,0004,971
Additional noninterest expense$419,0007,116
Pre-tax net operating income$-261,0009,683
Securities gains (losses)$03,155
Applicable income taxes$-89,0009,903
Income before extraordinary items$-172,0009,653
Extraordinary gains, net$035
Net income$-172,0009,652
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-172,0009,629
1998-12-31 (YTD Data)Rank
Total interest income$219,00010,352
Total interest expense$54,00010,341
Net interest income$165,00010,330
Provision for loan and lease losses$67,0005,949
Total noninterest income$2,00010,382
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,040
Trading account gains and feesNANA
Additional Noninterest Income$1,00010,352
Total noninterest expense$608,0009,403
Salaries and employee benefits$315,0009,539
Premises and equipment expense$160,0007,432
Additional noninterest expense$133,0009,822
Pre-tax net operating income$-508,00010,191
Securities gains (losses)$04,449
Applicable income taxes$-173,00010,300
Income before extraordinary items$-335,00010,150
Extraordinary gains, net$032
Net income$-335,00010,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$10,000,00097
Net operating income$-335,00010,123

* 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.