Home > Waypoint Bank > Income and Expense

Waypoint Bank, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$242,396,000	173
Total interest expense	$131,209,000	116
Net interest income	$111,187,000	231
Provision for loan and lease losses	$4,666,000	265
Total noninterest income	$24,057,000	344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$24,057,000	258
Total noninterest expense	$89,568,000	242
Salaries and employee benefits	$45,328,000	216
Premises and equipment expense	$14,706,000	189
Additional noninterest expense	$29,534,000	263
Pre-tax net operating income	$41,010,000	306
Securities gains (losses)	$-1,534,000	8,912
Applicable income taxes	$10,459,000	360
Income before extraordinary items	$29,017,000	294
Extraordinary gains, net	$0	34
Net income	$29,017,000	294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,728,000	284
Cash dividends	$40,126,000	146
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$30,152,160	277
2004-09-30 (YTD Data)		Rank
Total interest income	$180,028,000	173
Total interest expense	$96,955,000	113
Net interest income	$83,073,000	232
Provision for loan and lease losses	$3,916,000	252
Total noninterest income	$17,388,000	358
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$17,388,000	269
Total noninterest expense	$65,696,000	243
Salaries and employee benefits	$33,142,000	221
Premises and equipment expense	$11,110,000	193
Additional noninterest expense	$21,444,000	263
Pre-tax net operating income	$30,849,000	298
Securities gains (losses)	$9,460,000	63
Applicable income taxes	$11,320,000	282
Income before extraordinary items	$28,989,000	246
Extraordinary gains, net	$0	26
Net income	$28,989,000	247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,322,000	315
Cash dividends	$28,657,000	146
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$22,177,800	283
2004-06-30 (YTD Data)		Rank
Total interest income	$118,040,000	174
Total interest expense	$63,007,000	116
Net interest income	$55,033,000	231
Provision for loan and lease losses	$2,803,000	238
Total noninterest income	$11,927,000	343
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$11,927,000	262
Total noninterest expense	$45,404,000	236
Salaries and employee benefits	$22,140,000	221
Premises and equipment expense	$7,476,000	191
Additional noninterest expense	$15,788,000	243
Pre-tax net operating income	$18,753,000	312
Securities gains (losses)	$8,409,000	51
Applicable income taxes	$7,896,000	274
Income before extraordinary items	$19,266,000	241
Extraordinary gains, net	$0	21
Net income	$19,266,000	242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,681,000	294
Cash dividends	$18,905,000	141
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$13,295,610	293
2004-03-31 (YTD Data)		Rank
Total interest income	$59,235,000	170
Total interest expense	$31,407,000	119
Net interest income	$27,828,000	227
Provision for loan and lease losses	$1,901,000	197
Total noninterest income	$3,757,000	467
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$3,757,000	323
Total noninterest expense	$25,527,000	220
Salaries and employee benefits	$11,466,000	215
Premises and equipment expense	$3,844,000	190
Additional noninterest expense	$10,217,000	207
Pre-tax net operating income	$4,157,000	560
Securities gains (losses)	$7,686,000	48
Applicable income taxes	$3,258,000	315
Income before extraordinary items	$8,585,000	261
Extraordinary gains, net	$0	16
Net income	$8,585,000	262
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,037,000	269
Cash dividends	$10,320,000	116
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$3,051,080	536
2003-12-31 (YTD Data)		Rank
Total interest income	$249,484,000	166
Total interest expense	$134,765,000	119
Net interest income	$114,719,000	218
Provision for loan and lease losses	$7,513,000	243
Total noninterest income	$21,895,000	377
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$73,000	131
Additional Noninterest Income	$21,822,000	283
Total noninterest expense	$82,006,000	254
Salaries and employee benefits	$41,678,000	232
Premises and equipment expense	$14,943,000	188
Additional noninterest expense	$25,385,000	284
Pre-tax net operating income	$47,095,000	253
Securities gains (losses)	$16,543,000	84
Applicable income taxes	$18,361,000	242
Income before extraordinary items	$45,277,000	212
Extraordinary gains, net	$0	54
Net income	$45,277,000	214
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,588,000	233
Cash dividends	$52,119,000	128
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$33,531,470	242
2003-09-30 (YTD Data)		Rank
Total interest income	$189,754,000	169
Total interest expense	$102,137,000	123
Net interest income	$87,617,000	218
Provision for loan and lease losses	$6,499,000	228
Total noninterest income	$15,879,000	398
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$15,879,000	302
Total noninterest expense	$60,354,000	262
Salaries and employee benefits	$30,345,000	242
Premises and equipment expense	$11,121,000	197
Additional noninterest expense	$18,888,000	287
Pre-tax net operating income	$36,643,000	256
Securities gains (losses)	$13,084,000	86
Applicable income taxes	$14,625,000	242
Income before extraordinary items	$35,102,000	217
Extraordinary gains, net	$0	40
Net income	$35,102,000	218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,714,000	242
Cash dividends	$41,692,000	116
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$25,812,360	242
2003-06-30 (YTD Data)		Rank
Total interest income	$129,245,000	169
Total interest expense	$68,944,000	123
Net interest income	$60,301,000	214
Provision for loan and lease losses	$4,485,000	225
Total noninterest income	$9,728,000	425
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$9,728,000	320
Total noninterest expense	$39,934,000	260
Salaries and employee benefits	$20,011,000	243
Premises and equipment expense	$7,508,000	192
Additional noninterest expense	$12,415,000	289
Pre-tax net operating income	$25,610,000	250
Securities gains (losses)	$9,393,000	88
Applicable income taxes	$10,352,000	241
Income before extraordinary items	$24,651,000	210
Extraordinary gains, net	$0	30
Net income	$24,651,000	210
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,173,000	243
Cash dividends	$28,597,000	105
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$18,075,900	239
2003-03-31 (YTD Data)		Rank
Total interest income	$65,142,000	169
Total interest expense	$35,178,000	122
Net interest income	$29,964,000	215
Provision for loan and lease losses	$2,421,000	219
Total noninterest income	$4,522,000	454
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$4,522,000	337
Total noninterest expense	$19,758,000	261
Salaries and employee benefits	$9,957,000	250
Premises and equipment expense	$3,759,000	198
Additional noninterest expense	$6,042,000	292
Pre-tax net operating income	$12,307,000	265
Securities gains (losses)	$3,797,000	101
Applicable income taxes	$4,508,000	265
Income before extraordinary items	$11,596,000	217
Extraordinary gains, net	$0	21
Net income	$11,596,000	217
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,029,000	211
Cash dividends	$17,000,000	85
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$8,862,160	245
2002-12-31 (YTD Data)		Rank
Total interest income	$278,672,000	166
Total interest expense	$158,836,000	124
Net interest income	$119,836,000	217
Provision for loan and lease losses	$10,840,000	231
Total noninterest income	$20,869,000	395
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$20,869,000	291
Total noninterest expense	$79,621,000	257
Salaries and employee benefits	$40,549,000	225
Premises and equipment expense	$13,952,000	204
Additional noninterest expense	$25,120,000	291
Pre-tax net operating income	$50,244,000	244
Securities gains (losses)	$12,943,000	85
Applicable income taxes	$18,229,000	240
Income before extraordinary items	$44,958,000	215
Extraordinary gains, net	$0	70
Net income	$44,958,000	215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,403,000	278
Cash dividends	$49,041,000	137
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$35,768,470	239
2001-12-31 (YTD Data)		Rank
Total interest income	$320,931,000	168
Total interest expense	$212,649,000	138
Net interest income	$108,282,000	228
Provision for loan and lease losses	$6,646,000	297
Total noninterest income	$22,884,000	353
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$22,884,000	274
Total noninterest expense	$76,315,000	264
Salaries and employee benefits	$38,805,000	213
Premises and equipment expense	$14,150,000	183
Additional noninterest expense	$23,360,000	318
Pre-tax net operating income	$48,205,000	233
Securities gains (losses)	$6,000,000	122
Applicable income taxes	$17,659,000	226
Income before extraordinary items	$36,546,000	221
Extraordinary gains, net	$0	105
Net income	$36,546,000	220
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,117,000	271
Cash dividends	$15,674,000	270
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$32,526,000	228
2000-12-31 (YTD Data)		Rank
Total interest income	$321,816,000	186
Total interest expense	$223,740,000	150
Net interest income	$98,076,000	233
Provision for loan and lease losses	$5,070,000	314
Total noninterest income	$20,667,000	366
Gross Fiduciary activities income	$241,000	765
Service charges on deposit accounts	$4,845,000	296
Trading account gains and fees	$187,000	113
Additional Noninterest Income	$15,394,000	334
Total noninterest expense	$83,073,000	243
Salaries and employee benefits	$39,856,000	213
Premises and equipment expense	$15,790,000	177
Additional noninterest expense	$27,427,000	285
Pre-tax net operating income	$30,600,000	329
Securities gains (losses)	$939,000	167
Applicable income taxes	$8,456,000	380
Income before extraordinary items	$23,083,000	299
Extraordinary gains, net	$0	38
Net income	$23,083,000	299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,212,000	267
Cash dividends	$5,084,000	614
Sale, conversion, retirement of capital stock, net	$164,000	653
Net operating income	$22,397,530	302
1999-12-31 (YTD Data)		Rank
Total interest income	$174,667,000	256
Total interest expense	$113,414,000	208
Net interest income	$61,253,000	363
Provision for loan and lease losses	$3,180,000	398
Total noninterest income	$9,978,000	621
Gross Fiduciary activities income	$157,000	913
Service charges on deposit accounts	$5,475,000	276
Trading account gains and fees	$0	173
Additional Noninterest Income	$4,346,000	705
Total noninterest expense	$42,724,000	409
Salaries and employee benefits	$22,176,000	354
Premises and equipment expense	$7,128,000	340
Additional noninterest expense	$13,420,000	479
Pre-tax net operating income	$25,327,000	402
Securities gains (losses)	$1,700,000	157
Applicable income taxes	$7,625,000	442
Income before extraordinary items	$19,402,000	375
Extraordinary gains, net	$0	35
Net income	$19,402,000	375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,012,000	702
Cash dividends	$3,100,000	933
Sale, conversion, retirement of capital stock, net	$351,000	659
Net operating income	$18,178,000	382
1998-12-31 (YTD Data)		Rank
Total interest income	$163,608,000	259
Total interest expense	$107,157,000	211
Net interest income	$56,451,000	367
Provision for loan and lease losses	$2,540,000	495
Total noninterest income	$11,977,000	536
Gross Fiduciary activities income	$22,000	1,211
Service charges on deposit accounts	$3,894,000	342
Trading account gains and fees	$0	224
Additional Noninterest Income	$8,061,000	487
Total noninterest expense	$43,736,000	395
Salaries and employee benefits	$22,336,000	336
Premises and equipment expense	$6,312,000	364
Additional noninterest expense	$15,088,000	431
Pre-tax net operating income	$22,152,000	411
Securities gains (losses)	$4,590,000	133
Applicable income taxes	$7,309,000	425
Income before extraordinary items	$19,433,000	342
Extraordinary gains, net	$0	32
Net income	$19,433,000	342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,141,000	688
Cash dividends	$1,888,000	1,404
Sale, conversion, retirement of capital stock, net	$1,681,000	409
Net operating income	$16,082,300	375
1997-12-31 (YTD Data)		Rank
Total interest income	$140,994,000	302
Total interest expense	$93,084,000	245
Net interest income	$47,910,000	418
Provision for loan and lease losses	$610,000	1,486
Total noninterest income	$11,325,000	521
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$2,156,000	603
Trading account gains and fees	$0	239
Additional Noninterest Income	$9,169,000	438
Total noninterest expense	$36,582,000	429
Salaries and employee benefits	$19,006,000	371
Premises and equipment expense	$5,069,000	432
Additional noninterest expense	$12,507,000	484
Pre-tax net operating income	$22,043,000	419
Securities gains (losses)	$4,056,000	106
Applicable income taxes	$8,312,000	407
Income before extraordinary items	$17,787,000	376
Extraordinary gains, net	$0	44
Net income	$17,787,000	377
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$318,000	1,883
Cash dividends	$11,566,000	332
Sale, conversion, retirement of capital stock, net	$2,642,000	338
Net operating income	$15,028,920	410
1996-12-31 (YTD Data)		Rank
Total interest income	$108,402,000	402
Total interest expense	$67,740,000	341
Net interest income	$40,662,000	506
Provision for loan and lease losses	$1,957,000	633
Total noninterest income	$7,714,000	705
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$932,000	1,445
Trading account gains and fees	$0	262
Additional Noninterest Income	$6,782,000	536
Total noninterest expense	$44,720,000	422
Salaries and employee benefits	$14,710,000	492
Premises and equipment expense	$4,056,000	558
Additional noninterest expense	$25,954,000	360
Pre-tax net operating income	$1,699,000	3,927
Securities gains (losses)	$-1,185,000	11,412
Applicable income taxes	$-517,000	11,357
Income before extraordinary items	$1,031,000	4,373
Extraordinary gains, net	$0	53
Net income	$1,031,000	4,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$823,000	1,006
Cash dividends	$1,464,000	1,616
Sale, conversion, retirement of capital stock, net	$1,231,000	353
Net operating income	$2,216,000	2,174
1995-12-31 (YTD Data)		Rank
Total interest income	$80,626,000	536
Total interest expense	$47,696,000	471
Net interest income	$32,930,000	625
Provision for loan and lease losses	$0	8,958
Total noninterest income	$3,621,000	1,195
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$775,000	1,756
Trading account gains and fees	$0	522
Additional Noninterest Income	$2,846,000	917
Total noninterest expense	$21,944,000	732
Salaries and employee benefits	$11,388,000	618
Premises and equipment expense	$2,805,000	801
Additional noninterest expense	$7,751,000	814
Pre-tax net operating income	$14,607,000	612
Securities gains (losses)	$110,000	911
Applicable income taxes	$5,503,000	581
Income before extraordinary items	$9,214,000	635
Extraordinary gains, net	$0	65
Net income	$9,214,000	635
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	2,958
Cash dividends	$1,262,000	1,703
Sale, conversion, retirement of capital stock, net	$1,446,000	255
Net operating income	$9,143,600	632
1994-12-31 (YTD Data)		Rank
Total interest income	$73,932,000	499
Total interest expense	$38,241,000	442
Net interest income	$35,691,000	576
Provision for loan and lease losses	$0	9,146
Total noninterest income	$2,998,000	1,366
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$729,000	1,844
Trading account gains and fees	$0	475
Additional Noninterest Income	$2,269,000	1,039
Total noninterest expense	$21,299,000	766
Salaries and employee benefits	$11,390,000	631
Premises and equipment expense	$2,995,000	768
Additional noninterest expense	$6,914,000	919
Pre-tax net operating income	$17,390,000	504
Securities gains (losses)	$11,000	2,158
Applicable income taxes	$7,348,000	425
Income before extraordinary items	$10,053,000	555
Extraordinary gains, net	$0	249
Net income	$10,053,000	554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$315,000	1,842
Cash dividends	$647,000	2,677
Sale, conversion, retirement of capital stock, net	$22,649,000	57
Net operating income	$10,045,960	565
1993-12-31 (YTD Data)		Rank
Total interest income	$81,020,000	468
Total interest expense	$41,409,000	413
Net interest income	$39,611,000	525
Provision for loan and lease losses	$800,000	1,514
Total noninterest income	$3,498,000	1,290
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$734,000	1,870
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,764,000	1,016
Total noninterest expense	$18,679,000	891
Salaries and employee benefits	$9,659,000	722
Premises and equipment expense	$3,057,000	755
Additional noninterest expense	$5,963,000	1,106
Pre-tax net operating income	$23,630,000	357
Securities gains (losses)	$1,778,000	352
Applicable income taxes	$9,170,000	327
Income before extraordinary items	$16,238,000	364
Extraordinary gains, net	$1,420,000	168
Net income	$17,658,000	353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$216,000	2,986
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$15,100,080	365
1992-12-31 (YTD Data)		Rank
Total interest income	$94,620,000	453
Total interest expense	$52,333,000	425
Net interest income	$42,287,000	507
Provision for loan and lease losses	$2,484,000	979
Total noninterest income	$2,394,000	1,710
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$752,000	1,801
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,642,000	1,429
Total noninterest expense	$23,737,000	738
Salaries and employee benefits	$8,634,000	787
Premises and equipment expense	$2,904,000	821
Additional noninterest expense	$12,199,000	666
Pre-tax net operating income	$18,460,000	365
Securities gains (losses)	$5,432,000	192
Applicable income taxes	$10,654,000	259
Income before extraordinary items	$13,238,000	385
Extraordinary gains, net	$0	1,422
Net income	$13,238,000	387
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	6,549
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$9,761,520	452

* 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.