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Waterford Village Bank, Income and Expense

2009-06-30 (YTD Data)Rank
Total interest income$1,203,0006,909
Total interest expense$854,0005,104
Net interest income$349,0007,842
Provision for loan and lease losses$198,0004,349
Total noninterest income$32,0007,484
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$23,0006,604
Trading account gains and fees$0193
Additional Noninterest Income$9,0007,286
Total noninterest expense$2,073,0004,295
Salaries and employee benefits$570,0006,052
Premises and equipment expense$206,0004,998
Additional noninterest expense$1,297,0002,652
Pre-tax net operating income$-1,890,0007,358
Securities gains (losses)$38,0002,055
Applicable income taxes$04,657
Income before extraordinary items$-1,852,0007,439
Extraordinary gains, net$021
Net income$-1,852,0007,438
Minority interest net income$0112
Net income of bank and minority interests.$-1,852,0007,437
Net charge-offs$256,0003,128
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-1,890,0007,445
2009-03-31 (YTD Data)Rank
Total interest income$626,0006,884
Total interest expense$416,0005,292
Net interest income$210,0007,747
Provision for loan and lease losses$43,0005,118
Total noninterest income$17,0007,517
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$11,0006,642
Trading account gains and fees$0171
Additional Noninterest Income$6,0007,210
Total noninterest expense$720,0005,308
Salaries and employee benefits$287,0006,084
Premises and equipment expense$108,0004,900
Additional noninterest expense$325,0004,160
Pre-tax net operating income$-536,0007,357
Securities gains (losses)$38,0001,416
Applicable income taxes$04,835
Income before extraordinary items$-498,0007,442
Extraordinary gains, net$015
Net income$-498,0007,442
Minority interest net income$0102
Net income of bank and minority interests.$-498,0007,443
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-536,0007,453
2008-12-31 (YTD Data)Rank
Total interest income$2,362,0007,087
Total interest expense$1,785,0005,589
Net interest income$577,0008,030
Provision for loan and lease losses$427,0004,041
Total noninterest income$49,0007,748
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$25,0006,977
Trading account gains and fees$0154
Additional Noninterest Income$24,0007,314
Total noninterest expense$4,092,0004,161
Salaries and employee benefits$1,714,0004,944
Premises and equipment expense$413,0004,998
Additional noninterest expense$1,965,0002,910
Pre-tax net operating income$-3,893,0007,707
Securities gains (losses)$-57,0007,178
Applicable income taxes$1,224,0001,019
Income before extraordinary items$-5,174,0007,823
Extraordinary gains, net$039
Net income$-5,174,0007,822
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$99,0004,979
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$16,0001,280
Net operating income$-5,117,0007,869
2008-09-30 (YTD Data)Rank
Total interest income$1,750,0007,185
Total interest expense$1,385,0005,635
Net interest income$365,0008,179
Provision for loan and lease losses$245,0003,880
Total noninterest income$15,0008,073
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$11,0007,156
Trading account gains and fees$0148
Additional Noninterest Income$4,0007,959
Total noninterest expense$2,899,0004,336
Salaries and employee benefits$1,309,0004,893
Premises and equipment expense$308,0005,029
Additional noninterest expense$1,282,0003,198
Pre-tax net operating income$-2,764,0007,985
Securities gains (losses)$-17,0007,393
Applicable income taxes$-1,110,0008,074
Income before extraordinary items$-1,671,0007,774
Extraordinary gains, net$031
Net income$-1,671,0007,773
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,534
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-1,660,1207,857
2008-06-30 (YTD Data)Rank
Total interest income$1,107,0007,325
Total interest expense$935,0005,741
Net interest income$172,0008,334
Provision for loan and lease losses$157,0003,538
Total noninterest income$7,0008,189
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$3,0007,319
Trading account gains and fees$0149
Additional Noninterest Income$4,0007,989
Total noninterest expense$1,903,0004,400
Salaries and employee benefits$883,0004,897
Premises and equipment expense$202,0005,114
Additional noninterest expense$818,0003,298
Pre-tax net operating income$-1,881,0008,139
Securities gains (losses)$03,233
Applicable income taxes$-750,0008,230
Income before extraordinary items$-1,131,0008,042
Extraordinary gains, net$021
Net income$-1,131,0008,042
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$160,000450
Net operating income$-1,131,0008,028
2008-03-31 (YTD Data)Rank
Total interest income$504,0007,553
Total interest expense$427,0006,123
Net interest income$77,0008,411
Provision for loan and lease losses$70,0003,305
Total noninterest income$4,0008,219
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$07,431
Trading account gains and fees$0158
Additional Noninterest Income$4,0007,805
Total noninterest expense$863,0004,713
Salaries and employee benefits$429,0005,029
Premises and equipment expense$98,0005,215
Additional noninterest expense$336,0003,783
Pre-tax net operating income$-852,0008,240
Securities gains (losses)$02,688
Applicable income taxes$-336,0008,322
Income before extraordinary items$-516,0008,158
Extraordinary gains, net$015
Net income$-516,0008,157
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-516,0008,143
2007-12-31 (YTD Data)Rank
Total interest income$1,045,0008,170
Total interest expense$731,0007,600
Net interest income$314,0008,412
Provision for loan and lease losses$151,0004,301
Total noninterest income$-1,0008,480
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$2,0007,438
Trading account gains and fees$0178
Additional Noninterest Income$-3,0008,442
Total noninterest expense$3,069,0004,944
Salaries and employee benefits$1,627,0005,045
Premises and equipment expense$298,0005,786
Additional noninterest expense$1,144,0004,209
Pre-tax net operating income$-2,907,0008,366
Securities gains (losses)$02,146
Applicable income taxes$-1,162,0008,419
Income before extraordinary items$-1,745,0008,284
Extraordinary gains, net$039
Net income$-1,745,0008,281
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$8,065,000213
Net operating income$-1,745,0008,272
2007-09-30 (YTD Data)Rank
Total interest income$614,0008,333
Total interest expense$362,0008,024
Net interest income$252,0008,447
Provision for loan and lease losses$73,0004,621
Total noninterest income$-7,0008,521
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,0007,480
Trading account gains and fees$0184
Additional Noninterest Income$-8,0008,501
Total noninterest expense$2,000,0005,355
Salaries and employee benefits$1,072,0005,427
Premises and equipment expense$185,0006,272
Additional noninterest expense$743,0004,625
Pre-tax net operating income$-1,828,0008,427
Securities gains (losses)$01,655
Applicable income taxes$-621,0008,467
Income before extraordinary items$-1,207,0008,368
Extraordinary gains, net$033
Net income$-1,207,0008,365
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$7,939,000164
Net operating income$-1,207,0008,359
2007-06-30 (YTD Data)Rank
Total interest income$311,0008,467
Total interest expense$121,0008,372
Net interest income$190,0008,479
Provision for loan and lease losses$42,0004,587
Total noninterest income$-8,0008,582
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,0007,510
Trading account gains and fees$0168
Additional Noninterest Income$-9,0008,563
Total noninterest expense$1,286,0005,508
Salaries and employee benefits$742,0005,361
Premises and equipment expense$81,0007,134
Additional noninterest expense$463,0004,828
Pre-tax net operating income$-1,146,0008,484
Securities gains (losses)$01,444
Applicable income taxes$-390,0008,526
Income before extraordinary items$-756,0008,428
Extraordinary gains, net$029
Net income$-756,0008,426
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$7,939,000123
Net operating income$-756,0008,416
2007-03-31 (YTD Data)Rank
Total interest income$105,0008,584
Total interest expense$8,0008,575
Net interest income$97,0008,527
Provision for loan and lease losses$8,0005,190
Total noninterest income$08,538
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$07,573
Trading account gains and fees$0195
Additional Noninterest Income$08,433
Total noninterest expense$576,0005,867
Salaries and employee benefits$346,0005,626
Premises and equipment expense$24,0007,842
Additional noninterest expense$206,0005,178
Pre-tax net operating income$-487,0008,512
Securities gains (losses)$01,187
Applicable income taxes$-166,0008,549
Income before extraordinary items$-321,0008,453
Extraordinary gains, net$022
Net income$-321,0008,451
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$7,939,00057
Net operating income$-321,0008,442

* 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.