Home > Waterfall Bank > Income and Expense
Waterfall Bank, Income and Expense
2023-12-31 (YTD Data) | Rank | |
Total interest income | $8,398,000 | 3,059 |
Total interest expense | $2,522,000 | 2,813 |
Net interest income | $5,876,000 | 3,144 |
Provision for loan and lease losses | $730,000 | 1,019 |
Total noninterest income | $88,000 | 4,306 |
Gross Fiduciary activities income | $0 | 981 |
Service charges on deposit accounts | $33,000 | 4,022 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $55,000 | 4,191 |
Total noninterest expense | $5,317,000 | 2,968 |
Salaries and employee benefits | $3,390,000 | 2,765 |
Premises and equipment expense | $683,000 | 2,524 |
Additional noninterest expense | $55,000 | 4,191 |
Pre-tax net operating income | $-83,000 | 4,410 |
Securities gains (losses) | $0 | 988 |
Applicable income taxes | $-10,000 | 4,339 |
Income before extraordinary items | $-73,000 | 4,388 |
Extraordinary gains, net | $0 | 54 |
Net income | $-73,000 | 4,386 |
Minority interest net income | $0 | 88 |
Net income of bank and minority interests. | $-73,000 | 4,388 |
Net charge-offs | $0 | 2,884 |
Cash dividends | $0 | 3,459 |
Sale, conversion, retirement of capital stock, net | $67,000 | 440 |
Net operating income | $-73,000 | 4,403 |
2023-09-30 (YTD Data) | Rank | |
Total interest income | $5,681,000 | 3,178 |
Total interest expense | $1,345,000 | 3,058 |
Net interest income | $4,336,000 | 3,175 |
Provision for loan and lease losses | $625,000 | 881 |
Total noninterest income | $66,000 | 4,325 |
Gross Fiduciary activities income | $0 | 950 |
Service charges on deposit accounts | $24,000 | 4,055 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $42,000 | 4,195 |
Total noninterest expense | $3,909,000 | 2,978 |
Salaries and employee benefits | $2,495,000 | 2,778 |
Premises and equipment expense | $517,000 | 2,517 |
Additional noninterest expense | $42,000 | 4,191 |
Pre-tax net operating income | $-132,000 | 4,435 |
Securities gains (losses) | $0 | 849 |
Applicable income taxes | $-25,000 | 4,444 |
Income before extraordinary items | $-107,000 | 4,438 |
Extraordinary gains, net | $0 | 52 |
Net income | $-107,000 | 4,435 |
Minority interest net income | $0 | 81 |
Net income of bank and minority interests. | $-107,000 | 4,438 |
Net charge-offs | $0 | 2,641 |
Cash dividends | $0 | 3,078 |
Sale, conversion, retirement of capital stock, net | $50,000 | 423 |
Net operating income | $-107,000 | 4,455 |
2023-06-30 (YTD Data) | Rank | |
Total interest income | $3,263,000 | 3,332 |
Total interest expense | $487,000 | 3,526 |
Net interest income | $2,776,000 | 3,259 |
Provision for loan and lease losses | $514,000 | 765 |
Total noninterest income | $47,000 | 4,322 |
Gross Fiduciary activities income | $0 | 931 |
Service charges on deposit accounts | $15,000 | 4,087 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $32,000 | 4,204 |
Total noninterest expense | $2,518,000 | 3,027 |
Salaries and employee benefits | $1,622,000 | 2,821 |
Premises and equipment expense | $339,000 | 2,527 |
Additional noninterest expense | $32,000 | 4,177 |
Pre-tax net operating income | $-209,000 | 4,505 |
Securities gains (losses) | $0 | 938 |
Applicable income taxes | $-47,000 | 4,526 |
Income before extraordinary items | $-162,000 | 4,518 |
Extraordinary gains, net | $0 | 51 |
Net income | $-162,000 | 4,515 |
Minority interest net income | $0 | 81 |
Net income of bank and minority interests. | $-162,000 | 4,517 |
Net charge-offs | $0 | 2,431 |
Cash dividends | $0 | 2,952 |
Sale, conversion, retirement of capital stock, net | $33,000 | 415 |
Net operating income | $-162,000 | 4,523 |
2023-03-31 (YTD Data) | Rank | |
Total interest income | $1,428,000 | 3,503 |
Total interest expense | $104,000 | 4,016 |
Net interest income | $1,324,000 | 3,322 |
Provision for loan and lease losses | $154,000 | 998 |
Total noninterest income | $24,000 | 4,357 |
Gross Fiduciary activities income | $0 | 913 |
Service charges on deposit accounts | $6,000 | 4,190 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $18,000 | 4,173 |
Total noninterest expense | $1,276,000 | 3,036 |
Salaries and employee benefits | $839,000 | 2,813 |
Premises and equipment expense | $159,000 | 2,656 |
Additional noninterest expense | $18,000 | 4,173 |
Pre-tax net operating income | $-82,000 | 4,546 |
Securities gains (losses) | $0 | 950 |
Applicable income taxes | $-18,000 | 4,512 |
Income before extraordinary items | $-64,000 | 4,518 |
Extraordinary gains, net | $0 | 4 |
Net income | $-64,000 | 4,518 |
Minority interest net income | $0 | 48 |
Net income of bank and minority interests. | $-64,000 | 4,518 |
Net charge-offs | $0 | 2,062 |
Cash dividends | $0 | 2,337 |
Sale, conversion, retirement of capital stock, net | $17,000 | 380 |
Net operating income | $-64,000 | 4,530 |
2022-12-31 (YTD Data) | Rank | |
Total interest income | $3,223,000 | 3,938 |
Total interest expense | $153,000 | 4,213 |
Net interest income | $3,070,000 | 3,879 |
Provision for loan and lease losses | $583,000 | 1,144 |
Total noninterest income | $18,000 | 4,645 |
Gross Fiduciary activities income | $0 | 1,005 |
Service charges on deposit accounts | $5,000 | 4,490 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $13,000 | 4,547 |
Total noninterest expense | $4,306,000 | 3,255 |
Salaries and employee benefits | $2,763,000 | 3,053 |
Premises and equipment expense | $666,000 | 2,569 |
Additional noninterest expense | $13,000 | 4,547 |
Pre-tax net operating income | $-1,801,000 | 4,671 |
Securities gains (losses) | $0 | 691 |
Applicable income taxes | $-442,000 | 4,655 |
Income before extraordinary items | $-1,359,000 | 4,640 |
Extraordinary gains, net | $0 | 5 |
Net income | $-1,359,000 | 4,639 |
Minority interest net income | $0 | 63 |
Net income of bank and minority interests. | $-1,359,000 | 4,640 |
Net charge-offs | $1,000 | 2,539 |
Cash dividends | $0 | 3,475 |
Sale, conversion, retirement of capital stock, net | $71,000 | 487 |
Net operating income | $-1,359,000 | 4,648 |
2022-09-30 (YTD Data) | Rank | |
Total interest income | $1,868,000 | 4,150 |
Total interest expense | $101,000 | 4,216 |
Net interest income | $1,767,000 | 4,111 |
Provision for loan and lease losses | $484,000 | 980 |
Total noninterest income | $7,000 | 4,689 |
Gross Fiduciary activities income | $0 | 968 |
Service charges on deposit accounts | $2,000 | 4,545 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $5,000 | 4,612 |
Total noninterest expense | $3,228,000 | 3,243 |
Salaries and employee benefits | $2,144,000 | 3,003 |
Premises and equipment expense | $479,000 | 2,624 |
Additional noninterest expense | $5,000 | 4,612 |
Pre-tax net operating income | $-1,938,000 | 4,731 |
Securities gains (losses) | $0 | 740 |
Applicable income taxes | $-491,000 | 4,702 |
Income before extraordinary items | $-1,447,000 | 4,688 |
Extraordinary gains, net | $0 | 4 |
Net income | $-1,447,000 | 4,688 |
Minority interest net income | $0 | 57 |
Net income of bank and minority interests. | $-1,447,000 | 4,688 |
Net charge-offs | $0 | 2,349 |
Cash dividends | $0 | 3,099 |
Sale, conversion, retirement of capital stock, net | $52,000 | 446 |
Net operating income | $-1,447,000 | 4,705 |
2022-06-30 (YTD Data) | Rank | |
Total interest income | $818,000 | 4,424 |
Total interest expense | $50,000 | 4,405 |
Net interest income | $768,000 | 4,416 |
Provision for loan and lease losses | $385,000 | 810 |
Total noninterest income | $4,000 | 4,714 |
Gross Fiduciary activities income | $0 | 925 |
Service charges on deposit accounts | $1,000 | 4,611 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $3,000 | 4,667 |
Total noninterest expense | $2,225,000 | 3,194 |
Salaries and employee benefits | $1,540,000 | 2,902 |
Premises and equipment expense | $318,000 | 2,635 |
Additional noninterest expense | $367,000 | 4,003 |
Pre-tax net operating income | $-1,838,000 | 4,751 |
Securities gains (losses) | $0 | 687 |
Applicable income taxes | $-466,000 | 4,723 |
Income before extraordinary items | $-1,372,000 | 4,719 |
Extraordinary gains, net | $0 | 4 |
Net income | $-1,372,000 | 4,719 |
Minority interest net income | $0 | 60 |
Net income of bank and minority interests. | $-1,372,000 | 4,719 |
Net charge-offs | $0 | 2,156 |
Cash dividends | $0 | 2,961 |
Sale, conversion, retirement of capital stock, net | $34,000 | 434 |
Net operating income | $-1,372,000 | 4,738 |
2022-03-31 (YTD Data) | Rank | |
Total interest income | $217,000 | 4,664 |
Total interest expense | $17,000 | 4,539 |
Net interest income | $200,000 | 4,655 |
Provision for loan and lease losses | $141,000 | 845 |
Total noninterest income | $1,000 | 4,746 |
Gross Fiduciary activities income | $0 | 892 |
Service charges on deposit accounts | $0 | 4,649 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $1,000 | 4,694 |
Total noninterest expense | $1,199,000 | 3,079 |
Salaries and employee benefits | $878,000 | 2,691 |
Premises and equipment expense | $155,000 | 2,679 |
Additional noninterest expense | $166,000 | 4,095 |
Pre-tax net operating income | $-1,139,000 | 4,779 |
Securities gains (losses) | $0 | 623 |
Applicable income taxes | $-289,000 | 4,755 |
Income before extraordinary items | $-850,000 | 4,756 |
Extraordinary gains, net | $0 | 4 |
Net income | $-850,000 | 4,756 |
Minority interest net income | $0 | 50 |
Net income of bank and minority interests. | $-850,000 | 4,756 |
Net charge-offs | $0 | 1,838 |
Cash dividends | $0 | 2,284 |
Sale, conversion, retirement of capital stock, net | $16,000 | 401 |
Net operating income | $-850,000 | 4,764 |
2021-12-31 (YTD Data) | Rank | |
Total interest income | $42,000 | 4,830 |
Total interest expense | $16,000 | 4,784 |
Net interest income | $26,000 | 4,830 |
Provision for loan and lease losses | $50,000 | 2,549 |
Total noninterest income | $1,000 | 4,805 |
Gross Fiduciary activities income | $0 | 994 |
Service charges on deposit accounts | $0 | 4,720 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $1,000 | 4,774 |
Total noninterest expense | $2,013,000 | 4,170 |
Salaries and employee benefits | $694,000 | 4,512 |
Premises and equipment expense | $159,000 | 4,290 |
Additional noninterest expense | $1,160,000 | 3,492 |
Pre-tax net operating income | $-2,036,000 | 4,824 |
Securities gains (losses) | $0 | 2,062 |
Applicable income taxes | $-516,000 | 4,812 |
Income before extraordinary items | $-1,520,000 | 4,806 |
Extraordinary gains, net | $0 | 10 |
Net income | $-1,520,000 | 4,806 |
Minority interest net income | $0 | 74 |
Net income of bank and minority interests. | $-1,520,000 | 4,806 |
Net charge-offs | $10,000 | 2,284 |
Cash dividends | $0 | 3,608 |
Sale, conversion, retirement of capital stock, net | $45,025,000 | 17 |
Net operating income | $-1,520,000 | 4,804 |
2021-09-30 (YTD Data) | Rank | |
Total interest income | $2,000 | 4,913 |
Total interest expense | $0 | 4,892 |
Net interest income | $2,000 | 4,910 |
Provision for loan and lease losses | $0 | 2,963 |
Total noninterest income | $0 | 4,883 |
Gross Fiduciary activities income | $0 | 957 |
Service charges on deposit accounts | $0 | 4,787 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $0 | 4,851 |
Total noninterest expense | $1,094,000 | 4,493 |
Salaries and employee benefits | $40,000 | 4,903 |
Premises and equipment expense | $30,000 | 4,832 |
Additional noninterest expense | $1,024,000 | 3,265 |
Pre-tax net operating income | $-1,092,000 | 4,884 |
Securities gains (losses) | $0 | 2,015 |
Applicable income taxes | $-277,000 | 4,891 |
Income before extraordinary items | $-815,000 | 4,868 |
Extraordinary gains, net | $0 | 8 |
Net income | $-815,000 | 4,868 |
Minority interest net income | $0 | 69 |
Net income of bank and minority interests. | $-815,000 | 4,868 |
Net charge-offs | $0 | 2,463 |
Cash dividends | $0 | 3,251 |
Sale, conversion, retirement of capital stock, net | $45,000,000 | 15 |
Net operating income | $-815,000 | 4,862 |
* 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.