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Vista Bank, Income and Expense

2004-03-31 (YTD Data)Rank
Total interest income$748,0006,497
Total interest expense$189,0006,483
Net interest income$559,0006,379
Provision for loan and lease losses$06,501
Total noninterest income$35,0007,776
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$27,0006,373
Trading account gains and fees$0121
Additional Noninterest Income$8,0007,967
Total noninterest expense$731,0004,771
Salaries and employee benefits$224,0006,666
Premises and equipment expense$132,0003,942
Additional noninterest expense$375,0003,085
Pre-tax net operating income$-137,0008,843
Securities gains (losses)$02,934
Applicable income taxes$-13,0008,878
Income before extraordinary items$-124,0008,876
Extraordinary gains, net$016
Net income$-124,0008,877
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-81,0008,936
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-124,0008,839
2003-12-31 (YTD Data)Rank
Total interest income$2,824,0006,717
Total interest expense$899,0006,414
Net interest income$1,925,0006,694
Provision for loan and lease losses$190,0004,118
Total noninterest income$137,0007,938
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$95,0006,633
Trading account gains and fees$0160
Additional Noninterest Income$42,0007,762
Total noninterest expense$2,412,0005,347
Salaries and employee benefits$1,024,0006,179
Premises and equipment expense$547,0003,799
Additional noninterest expense$841,0004,891
Pre-tax net operating income$-540,0008,837
Securities gains (losses)$-20,0008,870
Applicable income taxes$-237,0009,032
Income before extraordinary items$-323,0008,829
Extraordinary gains, net$054
Net income$-323,0008,831
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$298,0002,258
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-310,2008,762
2003-09-30 (YTD Data)Rank
Total interest income$2,084,0006,840
Total interest expense$692,0006,490
Net interest income$1,392,0006,851
Provision for loan and lease losses$170,0003,682
Total noninterest income$103,0007,983
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$69,0006,736
Trading account gains and fees$0153
Additional Noninterest Income$34,0007,714
Total noninterest expense$1,810,0005,308
Salaries and employee benefits$723,0006,373
Premises and equipment expense$404,0003,822
Additional noninterest expense$683,0004,546
Pre-tax net operating income$-485,0008,951
Securities gains (losses)$-20,0009,012
Applicable income taxes$-197,0009,116
Income before extraordinary items$-308,0008,951
Extraordinary gains, net$040
Net income$-308,0008,952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$202,0002,199
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$-295,2008,880
2003-06-30 (YTD Data)Rank
Total interest income$1,366,0006,939
Total interest expense$482,0006,497
Net interest income$884,0007,014
Provision for loan and lease losses$110,0003,695
Total noninterest income$73,0007,909
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$48,0006,655
Trading account gains and fees$0150
Additional Noninterest Income$25,0007,564
Total noninterest expense$1,283,0005,114
Salaries and employee benefits$497,0006,288
Premises and equipment expense$264,0003,865
Additional noninterest expense$522,0004,111
Pre-tax net operating income$-436,0009,041
Securities gains (losses)$03,782
Applicable income taxes$-66,0009,101
Income before extraordinary items$-370,0009,090
Extraordinary gains, net$030
Net income$-370,0009,089
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$168,0001,843
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-370,0009,032
2003-03-31 (YTD Data)Rank
Total interest income$706,0006,887
Total interest expense$255,0006,435
Net interest income$451,0006,951
Provision for loan and lease losses$15,0005,504
Total noninterest income$36,0007,906
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$22,0006,745
Trading account gains and fees$0134
Additional Noninterest Income$14,0007,447
Total noninterest expense$659,0005,016
Salaries and employee benefits$260,0006,116
Premises and equipment expense$130,0003,924
Additional noninterest expense$269,0003,983
Pre-tax net operating income$-187,0009,074
Securities gains (losses)$02,891
Applicable income taxes$-66,0009,197
Income before extraordinary items$-121,0009,058
Extraordinary gains, net$021
Net income$-121,0009,055
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$0419
Net operating income$-121,0008,991
2002-12-31 (YTD Data)Rank
Total interest income$205,0009,275
Total interest expense$104,0009,191
Net interest income$101,0009,293
Provision for loan and lease losses$08,089
Total noninterest income$44,0009,004
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$12,0008,062
Trading account gains and fees$0153
Additional Noninterest Income$32,0008,125
Total noninterest expense$208,0009,294
Salaries and employee benefits$85,0009,302
Premises and equipment expense$42,0009,026
Additional noninterest expense$81,0009,229
Pre-tax net operating income$-63,0008,724
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$-63,0008,808
Extraordinary gains, net$070
Net income$-63,0008,807
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$509,0001,633
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-63,0008,745
2001-12-31 (YTD Data)Rank
Total interest income$3,808,0006,500
Total interest expense$1,980,0006,125
Net interest income$1,828,0006,743
Provision for loan and lease losses$780,0001,533
Total noninterest income$523,0004,951
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$143,0005,895
Trading account gains and fees$0177
Additional Noninterest Income$380,0003,643
Total noninterest expense$2,892,0004,461
Salaries and employee benefits$1,307,0005,014
Premises and equipment expense$313,0005,392
Additional noninterest expense$1,272,0003,313
Pre-tax net operating income$-1,321,0009,430
Securities gains (losses)$122,0001,593
Applicable income taxes$07,903
Income before extraordinary items$-1,199,0009,455
Extraordinary gains, net$0105
Net income$-1,199,0009,456
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$491,0001,581
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-1,321,0009,440
2000-12-31 (YTD Data)Rank
Total interest income$3,547,0006,872
Total interest expense$1,982,0006,302
Net interest income$1,565,0007,353
Provision for loan and lease losses$143,0004,507
Total noninterest income$174,0007,551
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$82,0006,945
Trading account gains and feesNANA
Additional Noninterest Income$92,0006,616
Total noninterest expense$2,390,0005,013
Salaries and employee benefits$1,173,0005,318
Premises and equipment expense$505,0003,758
Additional noninterest expense$712,0005,115
Pre-tax net operating income$-794,0009,662
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-794,0009,684
Extraordinary gains, net$038
Net income$-794,0009,683
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,220
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-794,0009,682
1999-12-31 (YTD Data)Rank
Total interest income$1,503,0009,068
Total interest expense$856,0008,550
Net interest income$647,0009,407
Provision for loan and lease losses$150,0004,234
Total noninterest income$66,0009,353
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$25,0008,390
Trading account gains and feesNANA
Additional Noninterest Income$41,0008,376
Total noninterest expense$2,149,0005,401
Salaries and employee benefits$1,010,0005,849
Premises and equipment expense$206,0006,718
Additional noninterest expense$933,0004,246
Pre-tax net operating income$-1,586,00010,140
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-1,586,00010,140
Extraordinary gains, net$035
Net income$-1,586,00010,140
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$1,741,000450
Net operating income$-1,586,00010,133
1998-12-31 (YTD Data)Rank
Total interest income$120,00010,400
Total interest expense$89,00010,308
Net interest income$31,00010,436
Provision for loan and lease losses$20,0007,729
Total noninterest income$1,00010,395
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,040
Trading account gains and feesNANA
Additional Noninterest Income$010,383
Total noninterest expense$932,0008,334
Salaries and employee benefits$525,0008,201
Premises and equipment expense$39,00010,038
Additional noninterest expense$368,0007,492
Pre-tax net operating income$-920,00010,325
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-920,00010,351
Extraordinary gains, net$032
Net income$-920,00010,349
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$5,925,000199
Net operating income$-920,00010,328

* 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.