Home > The Towne Center Bank > Income and Expense

The Towne Center Bank, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$2,239,0006,444
Total interest expense$273,0007,856
Net interest income$1,966,0005,843
Provision for loan and lease losses$49,0005,424
Total noninterest income$88,0007,950
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$58,0006,852
Trading account gains and fees$0134
Additional Noninterest Income$30,0007,707
Total noninterest expense$1,527,0005,901
Salaries and employee benefits$839,0005,867
Premises and equipment expense$348,0004,304
Additional noninterest expense$340,0006,802
Pre-tax net operating income$478,0006,414
Securities gains (losses)$03,710
Applicable income taxes$192,0004,498
Income before extraordinary items$286,0006,993
Extraordinary gains, net$026
Net income$286,0006,994
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$286,0006,922
2004-06-30 (YTD Data)Rank
Total interest income$1,500,0006,462
Total interest expense$181,0007,929
Net interest income$1,319,0005,828
Provision for loan and lease losses$42,0004,959
Total noninterest income$47,0008,244
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$38,0006,913
Trading account gains and fees$0130
Additional Noninterest Income$9,0008,365
Total noninterest expense$986,0006,038
Salaries and employee benefits$542,0006,011
Premises and equipment expense$222,0004,451
Additional noninterest expense$222,0006,892
Pre-tax net operating income$338,0006,257
Securities gains (losses)$03,413
Applicable income taxes$134,0004,431
Income before extraordinary items$204,0006,865
Extraordinary gains, net$021
Net income$204,0006,865
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$204,0006,782
2004-03-31 (YTD Data)Rank
Total interest income$751,0006,482
Total interest expense$95,0007,922
Net interest income$656,0005,843
Provision for loan and lease losses$21,0004,750
Total noninterest income$26,0008,131
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$19,0006,877
Trading account gains and fees$0121
Additional Noninterest Income$7,0008,076
Total noninterest expense$522,0005,907
Salaries and employee benefits$289,0005,842
Premises and equipment expense$112,0004,455
Additional noninterest expense$121,0006,647
Pre-tax net operating income$139,0006,590
Securities gains (losses)$02,934
Applicable income taxes$56,0004,705
Income before extraordinary items$83,0007,172
Extraordinary gains, net$016
Net income$83,0007,174
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$83,0007,092
2003-12-31 (YTD Data)Rank
Total interest income$3,020,0006,495
Total interest expense$570,0007,496
Net interest income$2,450,0005,973
Provision for loan and lease losses$25,0006,896
Total noninterest income$182,0007,503
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$98,0006,585
Trading account gains and fees$0160
Additional Noninterest Income$84,0006,810
Total noninterest expense$2,017,0005,975
Salaries and employee benefits$1,032,0006,156
Premises and equipment expense$441,0004,425
Additional noninterest expense$544,0006,286
Pre-tax net operating income$590,0006,376
Securities gains (losses)$04,500
Applicable income taxes$236,0004,672
Income before extraordinary items$354,0007,015
Extraordinary gains, net$054
Net income$354,0007,016
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,310
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$2,000858
Net operating income$354,0006,864
2003-09-30 (YTD Data)Rank
Total interest income$2,225,0006,632
Total interest expense$465,0007,472
Net interest income$1,760,0006,125
Provision for loan and lease losses$25,0006,589
Total noninterest income$200,0006,866
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$74,0006,631
Trading account gains and fees$0153
Additional Noninterest Income$126,0005,660
Total noninterest expense$1,498,0005,986
Salaries and employee benefits$786,0006,067
Premises and equipment expense$342,0004,327
Additional noninterest expense$370,0006,570
Pre-tax net operating income$437,0006,565
Securities gains (losses)$04,204
Applicable income taxes$191,0004,725
Income before extraordinary items$246,0007,279
Extraordinary gains, net$040
Net income$246,0007,281
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0006,822
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$2,000709
Net operating income$246,0007,117
2003-06-30 (YTD Data)Rank
Total interest income$1,497,0006,652
Total interest expense$337,0007,412
Net interest income$1,160,0006,166
Provision for loan and lease losses$25,0006,080
Total noninterest income$121,0007,043
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$48,0006,655
Trading account gains and fees$0150
Additional Noninterest Income$73,0005,914
Total noninterest expense$979,0006,050
Salaries and employee benefits$520,0006,123
Premises and equipment expense$226,0004,361
Additional noninterest expense$233,0006,732
Pre-tax net operating income$277,0006,648
Securities gains (losses)$03,782
Applicable income taxes$121,0004,846
Income before extraordinary items$156,0007,385
Extraordinary gains, net$030
Net income$156,0007,387
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0006,334
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$3,000569
Net operating income$156,0007,202
2003-03-31 (YTD Data)Rank
Total interest income$746,0006,713
Total interest expense$180,0007,362
Net interest income$566,0006,254
Provision for loan and lease losses$15,0005,504
Total noninterest income$49,0007,390
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$23,0006,666
Trading account gains and fees$0134
Additional Noninterest Income$26,0006,499
Total noninterest expense$493,0006,045
Salaries and employee benefits$282,0005,818
Premises and equipment expense$114,0004,333
Additional noninterest expense$97,0007,224
Pre-tax net operating income$107,0007,088
Securities gains (losses)$02,891
Applicable income taxes$47,0005,201
Income before extraordinary items$60,0007,685
Extraordinary gains, net$021
Net income$60,0007,685
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$60,0007,538
2002-12-31 (YTD Data)Rank
Total interest income$2,733,0007,118
Total interest expense$771,0007,604
Net interest income$1,962,0006,683
Provision for loan and lease losses$70,0006,288
Total noninterest income$153,0007,793
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$78,0006,973
Trading account gains and fees$0153
Additional Noninterest Income$75,0006,976
Total noninterest expense$1,955,0005,952
Salaries and employee benefits$978,0006,226
Premises and equipment expense$493,0003,970
Additional noninterest expense$484,0006,594
Pre-tax net operating income$92,0008,333
Securities gains (losses)$04,537
Applicable income taxes$48,0006,561
Income before extraordinary items$44,0008,575
Extraordinary gains, net$070
Net income$44,0008,578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$47,0005,336
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$44,0008,493
2001-12-31 (YTD Data)Rank
Total interest income$2,532,0007,716
Total interest expense$1,000,0008,023
Net interest income$1,532,0007,269
Provision for loan and lease losses$240,0003,705
Total noninterest income$65,0008,981
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$49,0007,631
Trading account gains and fees$0177
Additional Noninterest Income$16,0008,892
Total noninterest expense$2,027,0005,677
Salaries and employee benefits$1,226,0005,232
Premises and equipment expense$433,0004,354
Additional noninterest expense$368,0007,368
Pre-tax net operating income$-670,0009,236
Securities gains (losses)$04,612
Applicable income taxes$-215,0009,386
Income before extraordinary items$-455,0009,214
Extraordinary gains, net$0105
Net income$-455,0009,215
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,648
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$3,000895
Net operating income$-455,0009,174
2000-12-31 (YTD Data)Rank
Total interest income$1,362,0009,086
Total interest expense$558,0009,147
Net interest income$804,0008,889
Provision for loan and lease losses$160,0004,252
Total noninterest income$82,0008,847
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$45,0007,748
Trading account gains and feesNANA
Additional Noninterest Income$37,0008,273
Total noninterest expense$1,543,0006,627
Salaries and employee benefits$928,0006,212
Premises and equipment expense$234,0006,266
Additional noninterest expense$381,0007,300
Pre-tax net operating income$-817,0009,673
Securities gains (losses)$01,956
Applicable income taxes$-264,0009,729
Income before extraordinary items$-553,0009,596
Extraordinary gains, net$038
Net income$-553,0009,595
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,468
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$3,000934
Net operating income$-553,0009,593
1999-12-31 (YTD Data)Rank
Total interest income$83,00010,193
Total interest expense$9,00010,175
Net interest income$74,00010,178
Provision for loan and lease losses$08,503
Total noninterest income$1,00010,157
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0008,846
Trading account gains and feesNANA
Additional Noninterest Income$010,153
Total noninterest expense$702,0009,028
Salaries and employee benefits$295,0009,490
Premises and equipment expense$34,0009,919
Additional noninterest expense$373,0007,514
Pre-tax net operating income$-627,0009,933
Securities gains (losses)$03,155
Applicable income taxes$-203,00010,032
Income before extraordinary items$-424,0009,860
Extraordinary gains, net$035
Net income$-424,0009,857
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$6,000,000194
Net operating income$-424,0009,838

* 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.