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Wheatland Bank, Income and Expense

2010-03-31 (YTD Data)Rank
Total interest income$2,849,0002,771
Total interest expense$2,871,000798
Net interest income$-22,0007,927
Provision for loan and lease losses$06,552
Total noninterest income$38,0006,463
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$16,0006,154
Trading account gains and fees$0175
Additional Noninterest Income$22,0005,834
Total noninterest expense$3,224,0001,557
Salaries and employee benefits$650,0003,584
Premises and equipment expense$111,0004,666
Additional noninterest expense$2,463,000740
Pre-tax net operating income$-3,208,0007,704
Securities gains (losses)$255,000436
Applicable income taxes$04,611
Income before extraordinary items$-2,953,0007,713
Extraordinary gains, net$016
Net income$-2,953,0007,713
Minority interest net income$091
Net income of bank and minority interests.$-2,953,0007,714
Net charge-offs$705,0001,320
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$300,000192
Net operating income$-3,208,0007,719
2009-12-31 (YTD Data)Rank
Total interest income$20,337,0001,683
Total interest expense$14,863,000779
Net interest income$5,474,0003,715
Provision for loan and lease losses$43,486,000277
Total noninterest income$145,0006,622
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$119,0005,512
Trading account gains and fees$0211
Additional Noninterest Income$26,0006,817
Total noninterest expense$5,689,0003,314
Salaries and employee benefits$1,952,0004,438
Premises and equipment expense$452,0004,662
Additional noninterest expense$3,285,0002,172
Pre-tax net operating income$-43,556,0007,845
Securities gains (losses)$03,754
Applicable income taxes$04,388
Income before extraordinary items$-43,556,0007,857
Extraordinary gains, net$034
Net income$-43,556,0007,856
Minority interest net income$0115
Net income of bank and minority interests.$-43,556,0007,856
Net charge-offs$18,435,000434
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$93,000917
Net operating income$-43,556,0007,863
2009-09-30 (YTD Data)Rank
Total interest income$17,710,0001,480
Total interest expense$11,614,000787
Net interest income$6,096,0002,693
Provision for loan and lease losses$1,879,0001,993
Total noninterest income$115,0006,674
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$94,0005,455
Trading account gains and fees$0212
Additional Noninterest Income$21,0006,957
Total noninterest expense$3,854,0003,596
Salaries and employee benefits$1,407,0004,587
Premises and equipment expense$337,0004,724
Additional noninterest expense$2,110,0002,452
Pre-tax net operating income$478,0003,959
Securities gains (losses)$03,497
Applicable income taxes$04,592
Income before extraordinary items$478,0003,769
Extraordinary gains, net$027
Net income$478,0003,767
Minority interest net income$0118
Net income of bank and minority interests.$478,0003,768
Net charge-offs$177,0004,385
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$93,000774
Net operating income$478,0003,679
2009-06-30 (YTD Data)Rank
Total interest income$13,088,0001,363
Total interest expense$7,994,000813
Net interest income$5,094,0002,145
Provision for loan and lease losses$715,0002,463
Total noninterest income$83,0006,646
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$69,0005,320
Trading account gains and fees$0193
Additional Noninterest Income$14,0007,048
Total noninterest expense$2,804,0003,396
Salaries and employee benefits$905,0004,733
Premises and equipment expense$234,0004,645
Additional noninterest expense$1,665,0002,128
Pre-tax net operating income$1,658,0001,382
Securities gains (losses)$03,136
Applicable income taxes$04,657
Income before extraordinary items$1,658,0001,139
Extraordinary gains, net$021
Net income$1,658,0001,138
Minority interest net income$0112
Net income of bank and minority interests.$1,658,0001,139
Net charge-offs$177,0003,582
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$69,000712
Net operating income$1,658,0001,107
2009-03-31 (YTD Data)Rank
Total interest income$6,786,0001,342
Total interest expense$4,080,000822
Net interest income$2,706,0002,022
Provision for loan and lease losses$06,744
Total noninterest income$42,0006,605
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$33,0005,355
Trading account gains and fees$0171
Additional Noninterest Income$9,0006,953
Total noninterest expense$1,259,0003,631
Salaries and employee benefits$446,0004,826
Premises and equipment expense$122,0004,572
Additional noninterest expense$691,0002,260
Pre-tax net operating income$1,489,000858
Securities gains (losses)$02,434
Applicable income taxes$04,835
Income before extraordinary items$1,489,000692
Extraordinary gains, net$015
Net income$1,489,000690
Minority interest net income$0102
Net income of bank and minority interests.$1,489,000694
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$34,000605
Net operating income$1,489,000643
2008-12-31 (YTD Data)Rank
Total interest income$23,416,0001,655
Total interest expense$14,363,0001,133
Net interest income$9,053,0002,410
Provision for loan and lease losses$10,160,000589
Total noninterest income$89,0007,408
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$35,0006,845
Trading account gains and fees$0154
Additional Noninterest Income$54,0006,692
Total noninterest expense$3,252,0004,861
Salaries and employee benefits$1,522,0005,294
Premises and equipment expense$466,0004,659
Additional noninterest expense$1,264,0004,115
Pre-tax net operating income$-4,270,0007,740
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-4,270,0007,762
Extraordinary gains, net$039
Net income$-4,270,0007,761
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,068,0001,265
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$139,000878
Net operating income$-4,270,0007,822
2008-09-30 (YTD Data)Rank
Total interest income$16,518,0001,796
Total interest expense$9,997,0001,267
Net interest income$6,521,0002,522
Provision for loan and lease losses$2,681,000973
Total noninterest income$45,0007,796
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$18,0007,048
Trading account gains and fees$0148
Additional Noninterest Income$27,0007,207
Total noninterest expense$2,331,0004,992
Salaries and employee benefits$1,127,0005,343
Premises and equipment expense$320,0004,928
Additional noninterest expense$884,0004,269
Pre-tax net operating income$1,554,0002,767
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$1,554,0002,259
Extraordinary gains, net$031
Net income$1,554,0002,257
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$104,000761
Net operating income$1,554,0002,376
2008-06-30 (YTD Data)Rank
Total interest income$9,655,0002,053
Total interest expense$5,896,0001,497
Net interest income$3,759,0002,868
Provision for loan and lease losses$1,620,000901
Total noninterest income$28,0007,902
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$9,0007,166
Trading account gains and fees$0149
Additional Noninterest Income$19,0007,234
Total noninterest expense$1,539,0005,043
Salaries and employee benefits$759,0005,370
Premises and equipment expense$215,0004,931
Additional noninterest expense$565,0004,365
Pre-tax net operating income$628,0003,915
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$628,0003,538
Extraordinary gains, net$021
Net income$628,0003,538
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$70,000671
Net operating income$628,0003,484
2008-03-31 (YTD Data)Rank
Total interest income$4,290,0002,345
Total interest expense$2,545,0001,847
Net interest income$1,745,0003,081
Provision for loan and lease losses$681,000817
Total noninterest income$13,0007,947
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$3,0007,255
Trading account gains and fees$0158
Additional Noninterest Income$10,0007,226
Total noninterest expense$729,0005,230
Salaries and employee benefits$373,0005,451
Premises and equipment expense$107,0004,968
Additional noninterest expense$249,0004,702
Pre-tax net operating income$348,0003,833
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$348,0003,492
Extraordinary gains, net$015
Net income$348,0003,495
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$15,000758
Net operating income$348,0003,392
2007-12-31 (YTD Data)Rank
Total interest income$6,094,0005,180
Total interest expense$3,297,0004,508
Net interest income$2,797,0005,670
Provision for loan and lease losses$2,389,000727
Total noninterest income$128,0007,299
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$12,0007,272
Trading account gains and fees$0178
Additional Noninterest Income$116,0005,992
Total noninterest expense$2,754,0005,286
Salaries and employee benefits$957,0006,537
Premises and equipment expense$379,0005,192
Additional noninterest expense$1,418,0003,583
Pre-tax net operating income$-2,218,0008,304
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-2,218,0008,343
Extraordinary gains, net$039
Net income$-2,218,0008,340
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$44,166,00022
Net operating income$-2,218,0008,330
2007-09-30 (YTD Data)Rank
Total interest income$3,163,0006,157
Total interest expense$1,583,0005,731
Net interest income$1,580,0006,418
Provision for loan and lease losses$1,278,000728
Total noninterest income$120,0007,095
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$10,0007,287
Trading account gains and fees$0184
Additional Noninterest Income$110,0005,629
Total noninterest expense$2,135,0005,147
Salaries and employee benefits$673,0006,687
Premises and equipment expense$263,0005,393
Additional noninterest expense$1,199,0003,197
Pre-tax net operating income$-1,713,0008,414
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-1,713,0008,442
Extraordinary gains, net$033
Net income$-1,713,0008,438
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$21,415,00053
Net operating income$-1,713,0008,430
2007-06-30 (YTD Data)Rank
Total interest income$1,216,0007,346
Total interest expense$492,0007,252
Net interest income$724,0007,289
Provision for loan and lease losses$774,000721
Total noninterest income$109,0006,709
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,0007,510
Trading account gains and fees$0168
Additional Noninterest Income$108,0004,978
Total noninterest expense$1,590,0004,834
Salaries and employee benefits$415,0006,925
Premises and equipment expense$176,0005,407
Additional noninterest expense$999,0002,631
Pre-tax net operating income$-1,531,0008,524
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$-1,531,0008,544
Extraordinary gains, net$029
Net income$-1,531,0008,541
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$21,415,00041
Net operating income$-1,531,0008,533
2007-03-31 (YTD Data)Rank
Total interest income$244,0008,386
Total interest expense$41,0008,487
Net interest income$203,0008,151
Provision for loan and lease losses$204,0001,147
Total noninterest income$108,0005,373
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$07,573
Trading account gains and fees$0195
Additional Noninterest Income$108,0003,619
Total noninterest expense$1,068,0003,933
Salaries and employee benefits$174,0007,335
Premises and equipment expense$77,0005,781
Additional noninterest expense$817,0001,643
Pre-tax net operating income$-961,0008,586
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-961,0008,594
Extraordinary gains, net$022
Net income$-961,0008,592
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$21,415,00022
Net operating income$-961,0008,590

* 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.