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Vision Bank, FSB, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$1,866,0006,913
Total interest expense$628,0006,137
Net interest income$1,238,0007,133
Provision for loan and lease losses$237,0002,670
Total noninterest income$261,0006,123
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0134
Additional Noninterest Income$261,0003,990
Total noninterest expense$1,884,0005,246
Salaries and employee benefits$996,0005,341
Premises and equipment expense$511,0003,200
Additional noninterest expense$377,0006,487
Pre-tax net operating income$-622,0008,810
Securities gains (losses)$03,710
Applicable income taxes$-237,0008,926
Income before extraordinary items$-385,0008,771
Extraordinary gains, net$026
Net income$-385,0008,773
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$0738
Net operating income$-385,0008,745
2004-06-30 (YTD Data)Rank
Total interest income$1,096,0007,253
Total interest expense$398,0006,301
Net interest income$698,0007,510
Provision for loan and lease losses$115,0003,272
Total noninterest income$151,0006,450
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0130
Additional Noninterest Income$151,0004,291
Total noninterest expense$1,140,0005,599
Salaries and employee benefits$642,0005,484
Premises and equipment expense$265,0003,895
Additional noninterest expense$233,0006,748
Pre-tax net operating income$-406,0008,863
Securities gains (losses)$03,413
Applicable income taxes$-156,0008,974
Income before extraordinary items$-250,0008,828
Extraordinary gains, net$021
Net income$-250,0008,828
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$0638
Net operating income$-250,0008,801
2004-03-31 (YTD Data)Rank
Total interest income$491,0007,533
Total interest expense$186,0006,530
Net interest income$305,0007,816
Provision for loan and lease losses$31,0004,037
Total noninterest income$70,0006,568
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0121
Additional Noninterest Income$70,0004,441
Total noninterest expense$562,0005,660
Salaries and employee benefits$313,0005,604
Premises and equipment expense$127,0004,055
Additional noninterest expense$122,0006,621
Pre-tax net operating income$-218,0008,924
Securities gains (losses)$02,934
Applicable income taxes$-86,0009,025
Income before extraordinary items$-132,0008,889
Extraordinary gains, net$016
Net income$-132,0008,889
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$0464
Net operating income$-132,0008,852
2003-12-31 (YTD Data)Rank
Total interest income$1,082,0008,510
Total interest expense$297,0008,465
Net interest income$785,0008,438
Provision for loan and lease losses$327,0002,986
Total noninterest income$163,0007,680
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0160
Additional Noninterest Income$163,0005,670
Total noninterest expense$2,575,0005,115
Salaries and employee benefits$1,105,0005,915
Premises and equipment expense$439,0004,436
Additional noninterest expense$1,031,0004,175
Pre-tax net operating income$-1,954,0009,073
Securities gains (losses)$04,500
Applicable income taxes$-731,0009,116
Income before extraordinary items$-1,223,0009,064
Extraordinary gains, net$054
Net income$-1,223,0009,065
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$7,500,000140
Net operating income$-1,223,0009,020
2003-09-30 (YTD Data)Rank
Total interest income$716,0008,714
Total interest expense$177,0008,755
Net interest income$539,0008,602
Provision for loan and lease losses$289,0002,592
Total noninterest income$122,0007,752
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0153
Additional Noninterest Income$122,0005,712
Total noninterest expense$2,008,0004,969
Salaries and employee benefits$826,0005,911
Premises and equipment expense$314,0004,572
Additional noninterest expense$868,0003,814
Pre-tax net operating income$-1,636,0009,140
Securities gains (losses)$04,204
Applicable income taxes$-601,0009,180
Income before extraordinary items$-1,035,0009,130
Extraordinary gains, net$040
Net income$-1,035,0009,129
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$7,500,00094
Net operating income$-1,035,0009,086
2003-06-30 (YTD Data)Rank
Total interest income$362,0008,931
Total interest expense$82,0008,976
Net interest income$280,0008,850
Provision for loan and lease losses$212,0002,399
Total noninterest income$64,0008,066
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0150
Additional Noninterest Income$64,0006,138
Total noninterest expense$1,489,0004,614
Salaries and employee benefits$533,0006,022
Premises and equipment expense$195,0004,779
Additional noninterest expense$761,0003,000
Pre-tax net operating income$-1,357,0009,193
Securities gains (losses)$03,782
Applicable income taxes$-499,0009,219
Income before extraordinary items$-858,0009,192
Extraordinary gains, net$030
Net income$-858,0009,191
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$7,500,00060
Net operating income$-858,0009,141
2003-03-31 (YTD Data)Rank
Total interest income$92,0009,186
Total interest expense$23,0009,155
Net interest income$69,0009,179
Provision for loan and lease losses$98,0002,426
Total noninterest income$23,0008,464
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0134
Additional Noninterest Income$23,0006,700
Total noninterest expense$1,002,0003,658
Salaries and employee benefits$251,0006,237
Premises and equipment expense$91,0005,012
Additional noninterest expense$660,0001,781
Pre-tax net operating income$-1,008,0009,262
Securities gains (losses)$02,891
Applicable income taxes$-370,0009,277
Income before extraordinary items$-638,0009,266
Extraordinary gains, net$021
Net income$-638,0009,263
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$7,500,00028
Net operating income$-638,0009,230

* 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.