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Waterfall Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$8,398,0003,059
Total interest expense$2,522,0002,813
Net interest income$5,876,0003,144
Provision for loan and lease losses$730,0001,019
Total noninterest income$88,0004,306
Gross Fiduciary activities income$0981
Service charges on deposit accounts$33,0004,022
Trading account gains and feesNANA
Additional Noninterest Income$55,0004,191
Total noninterest expense$5,317,0002,968
Salaries and employee benefits$3,390,0002,765
Premises and equipment expense$683,0002,524
Additional noninterest expense$55,0004,191
Pre-tax net operating income$-83,0004,410
Securities gains (losses)$0988
Applicable income taxes$-10,0004,339
Income before extraordinary items$-73,0004,388
Extraordinary gains, net$054
Net income$-73,0004,386
Minority interest net income$088
Net income of bank and minority interests.$-73,0004,388
Net charge-offs$02,884
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$67,000440
Net operating income$-73,0004,403
2023-09-30 (YTD Data)Rank
Total interest income$5,681,0003,178
Total interest expense$1,345,0003,058
Net interest income$4,336,0003,175
Provision for loan and lease losses$625,000881
Total noninterest income$66,0004,325
Gross Fiduciary activities income$0950
Service charges on deposit accounts$24,0004,055
Trading account gains and feesNANA
Additional Noninterest Income$42,0004,195
Total noninterest expense$3,909,0002,978
Salaries and employee benefits$2,495,0002,778
Premises and equipment expense$517,0002,517
Additional noninterest expense$42,0004,191
Pre-tax net operating income$-132,0004,435
Securities gains (losses)$0849
Applicable income taxes$-25,0004,444
Income before extraordinary items$-107,0004,438
Extraordinary gains, net$052
Net income$-107,0004,435
Minority interest net income$081
Net income of bank and minority interests.$-107,0004,438
Net charge-offs$02,641
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$50,000423
Net operating income$-107,0004,455
2023-06-30 (YTD Data)Rank
Total interest income$3,263,0003,332
Total interest expense$487,0003,526
Net interest income$2,776,0003,259
Provision for loan and lease losses$514,000765
Total noninterest income$47,0004,322
Gross Fiduciary activities income$0931
Service charges on deposit accounts$15,0004,087
Trading account gains and feesNANA
Additional Noninterest Income$32,0004,204
Total noninterest expense$2,518,0003,027
Salaries and employee benefits$1,622,0002,821
Premises and equipment expense$339,0002,527
Additional noninterest expense$32,0004,177
Pre-tax net operating income$-209,0004,505
Securities gains (losses)$0938
Applicable income taxes$-47,0004,526
Income before extraordinary items$-162,0004,518
Extraordinary gains, net$051
Net income$-162,0004,515
Minority interest net income$081
Net income of bank and minority interests.$-162,0004,517
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$33,000415
Net operating income$-162,0004,523
2023-03-31 (YTD Data)Rank
Total interest income$1,428,0003,503
Total interest expense$104,0004,016
Net interest income$1,324,0003,322
Provision for loan and lease losses$154,000998
Total noninterest income$24,0004,357
Gross Fiduciary activities income$0913
Service charges on deposit accounts$6,0004,190
Trading account gains and feesNANA
Additional Noninterest Income$18,0004,173
Total noninterest expense$1,276,0003,036
Salaries and employee benefits$839,0002,813
Premises and equipment expense$159,0002,656
Additional noninterest expense$18,0004,173
Pre-tax net operating income$-82,0004,546
Securities gains (losses)$0950
Applicable income taxes$-18,0004,512
Income before extraordinary items$-64,0004,518
Extraordinary gains, net$04
Net income$-64,0004,518
Minority interest net income$048
Net income of bank and minority interests.$-64,0004,518
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$17,000380
Net operating income$-64,0004,530
2022-12-31 (YTD Data)Rank
Total interest income$3,223,0003,938
Total interest expense$153,0004,213
Net interest income$3,070,0003,879
Provision for loan and lease losses$583,0001,144
Total noninterest income$18,0004,645
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$5,0004,490
Trading account gains and feesNANA
Additional Noninterest Income$13,0004,547
Total noninterest expense$4,306,0003,255
Salaries and employee benefits$2,763,0003,053
Premises and equipment expense$666,0002,569
Additional noninterest expense$13,0004,547
Pre-tax net operating income$-1,801,0004,671
Securities gains (losses)$0691
Applicable income taxes$-442,0004,655
Income before extraordinary items$-1,359,0004,640
Extraordinary gains, net$05
Net income$-1,359,0004,639
Minority interest net income$063
Net income of bank and minority interests.$-1,359,0004,640
Net charge-offs$1,0002,539
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$71,000487
Net operating income$-1,359,0004,648
2022-09-30 (YTD Data)Rank
Total interest income$1,868,0004,150
Total interest expense$101,0004,216
Net interest income$1,767,0004,111
Provision for loan and lease losses$484,000980
Total noninterest income$7,0004,689
Gross Fiduciary activities income$0968
Service charges on deposit accounts$2,0004,545
Trading account gains and feesNANA
Additional Noninterest Income$5,0004,612
Total noninterest expense$3,228,0003,243
Salaries and employee benefits$2,144,0003,003
Premises and equipment expense$479,0002,624
Additional noninterest expense$5,0004,612
Pre-tax net operating income$-1,938,0004,731
Securities gains (losses)$0740
Applicable income taxes$-491,0004,702
Income before extraordinary items$-1,447,0004,688
Extraordinary gains, net$04
Net income$-1,447,0004,688
Minority interest net income$057
Net income of bank and minority interests.$-1,447,0004,688
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$52,000446
Net operating income$-1,447,0004,705
2022-06-30 (YTD Data)Rank
Total interest income$818,0004,424
Total interest expense$50,0004,405
Net interest income$768,0004,416
Provision for loan and lease losses$385,000810
Total noninterest income$4,0004,714
Gross Fiduciary activities income$0925
Service charges on deposit accounts$1,0004,611
Trading account gains and feesNANA
Additional Noninterest Income$3,0004,667
Total noninterest expense$2,225,0003,194
Salaries and employee benefits$1,540,0002,902
Premises and equipment expense$318,0002,635
Additional noninterest expense$367,0004,003
Pre-tax net operating income$-1,838,0004,751
Securities gains (losses)$0687
Applicable income taxes$-466,0004,723
Income before extraordinary items$-1,372,0004,719
Extraordinary gains, net$04
Net income$-1,372,0004,719
Minority interest net income$060
Net income of bank and minority interests.$-1,372,0004,719
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$34,000434
Net operating income$-1,372,0004,738
2022-03-31 (YTD Data)Rank
Total interest income$217,0004,664
Total interest expense$17,0004,539
Net interest income$200,0004,655
Provision for loan and lease losses$141,000845
Total noninterest income$1,0004,746
Gross Fiduciary activities income$0892
Service charges on deposit accounts$04,649
Trading account gains and feesNANA
Additional Noninterest Income$1,0004,694
Total noninterest expense$1,199,0003,079
Salaries and employee benefits$878,0002,691
Premises and equipment expense$155,0002,679
Additional noninterest expense$166,0004,095
Pre-tax net operating income$-1,139,0004,779
Securities gains (losses)$0623
Applicable income taxes$-289,0004,755
Income before extraordinary items$-850,0004,756
Extraordinary gains, net$04
Net income$-850,0004,756
Minority interest net income$050
Net income of bank and minority interests.$-850,0004,756
Net charge-offs$01,838
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$16,000401
Net operating income$-850,0004,764
2021-12-31 (YTD Data)Rank
Total interest income$42,0004,830
Total interest expense$16,0004,784
Net interest income$26,0004,830
Provision for loan and lease losses$50,0002,549
Total noninterest income$1,0004,805
Gross Fiduciary activities income$0994
Service charges on deposit accounts$04,720
Trading account gains and feesNANA
Additional Noninterest Income$1,0004,774
Total noninterest expense$2,013,0004,170
Salaries and employee benefits$694,0004,512
Premises and equipment expense$159,0004,290
Additional noninterest expense$1,160,0003,492
Pre-tax net operating income$-2,036,0004,824
Securities gains (losses)$02,062
Applicable income taxes$-516,0004,812
Income before extraordinary items$-1,520,0004,806
Extraordinary gains, net$010
Net income$-1,520,0004,806
Minority interest net income$074
Net income of bank and minority interests.$-1,520,0004,806
Net charge-offs$10,0002,284
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$45,025,00017
Net operating income$-1,520,0004,804
2021-09-30 (YTD Data)Rank
Total interest income$2,0004,913
Total interest expense$04,892
Net interest income$2,0004,910
Provision for loan and lease losses$02,963
Total noninterest income$04,883
Gross Fiduciary activities income$0957
Service charges on deposit accounts$04,787
Trading account gains and feesNANA
Additional Noninterest Income$04,851
Total noninterest expense$1,094,0004,493
Salaries and employee benefits$40,0004,903
Premises and equipment expense$30,0004,832
Additional noninterest expense$1,024,0003,265
Pre-tax net operating income$-1,092,0004,884
Securities gains (losses)$02,015
Applicable income taxes$-277,0004,891
Income before extraordinary items$-815,0004,868
Extraordinary gains, net$08
Net income$-815,0004,868
Minority interest net income$069
Net income of bank and minority interests.$-815,0004,868
Net charge-offs$02,463
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$45,000,00015
Net operating income$-815,0004,862

* 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.