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Advance Bank, s.b., Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$20,104,0001,620
Total interest expense$10,180,0001,499
Net interest income$9,924,0001,724
Provision for loan and lease losses$1,575,000684
Total noninterest income$1,456,0002,317
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$984,0001,263
Trading account gains and fees$0224
Additional Noninterest Income$472,0003,088
Total noninterest expense$9,835,0001,338
Salaries and employee benefits$3,293,0002,049
Premises and equipment expense$1,951,000995
Additional noninterest expense$4,591,0001,003
Pre-tax net operating income$-30,0009,846
Securities gains (losses)$04,449
Applicable income taxes$-375,00010,373
Income before extraordinary items$345,0007,561
Extraordinary gains, net$032
Net income$345,0007,561
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,241,000640
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$345,0007,482
1997-12-31 (YTD Data)Rank
Total interest income$21,325,0001,544
Total interest expense$11,194,0001,406
Net interest income$10,131,0001,722
Provision for loan and lease losses$2,690,000467
Total noninterest income$2,980,0001,297
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$850,0001,527
Trading account gains and fees$0239
Additional Noninterest Income$2,130,0001,053
Total noninterest expense$9,574,0001,373
Salaries and employee benefits$2,849,0002,321
Premises and equipment expense$1,776,0001,127
Additional noninterest expense$4,949,000975
Pre-tax net operating income$847,0006,343
Securities gains (losses)$-240,00010,844
Applicable income taxes$22,0009,683
Income before extraordinary items$585,0006,451
Extraordinary gains, net$044
Net income$585,0006,454
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,156,000482
Cash dividends$635,0002,965
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$815,4005,345
1996-12-31 (YTD Data)Rank
Total interest income$21,886,0001,530
Total interest expense$12,028,0001,342
Net interest income$9,858,0001,800
Provision for loan and lease losses$1,676,000711
Total noninterest income$1,190,0002,698
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$862,0001,550
Trading account gains and fees$0262
Additional Noninterest Income$328,0003,863
Total noninterest expense$10,107,0001,420
Salaries and employee benefits$2,917,0002,274
Premises and equipment expense$1,664,0001,245
Additional noninterest expense$5,526,0001,050
Pre-tax net operating income$-735,00011,298
Securities gains (losses)$8,0002,673
Applicable income taxes$-222,00011,281
Income before extraordinary items$-505,00011,271
Extraordinary gains, net$053
Net income$-505,00011,270
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$671,0001,152
Cash dividends$439,0003,703
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-510,52011,240
1995-12-31 (YTD Data)Rank
Total interest income$21,425,0001,577
Total interest expense$12,412,0001,334
Net interest income$9,013,0001,994
Provision for loan and lease losses$08,958
Total noninterest income$1,124,0002,839
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$886,0001,535
Trading account gains and fees$0522
Additional Noninterest Income$238,0004,622
Total noninterest expense$9,138,0001,558
Salaries and employee benefits$3,054,0002,171
Premises and equipment expense$1,601,0001,298
Additional noninterest expense$4,483,0001,221
Pre-tax net operating income$999,0006,010
Securities gains (losses)$-236,00011,706
Applicable income taxes$274,0006,313
Income before extraordinary items$489,0007,336
Extraordinary gains, net$065
Net income$489,0007,336
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,320
Cash dividends$986,0002,103
Sale, conversion, retirement of capital stock, net$0809
Net operating income$640,0406,363
1994-12-31 (YTD Data)Rank
Total interest income$22,015,0001,409
Total interest expense$11,650,0001,129
Net interest income$10,365,0001,746
Provision for loan and lease losses$09,146
Total noninterest income$1,311,0002,559
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$912,0001,487
Trading account gains and fees$0475
Additional Noninterest Income$399,0003,413
Total noninterest expense$8,231,0001,771
Salaries and employee benefits$3,149,0002,099
Premises and equipment expense$1,623,0001,289
Additional noninterest expense$3,459,0001,606
Pre-tax net operating income$3,445,0002,068
Securities gains (losses)$28,0001,509
Applicable income taxes$1,281,0001,780
Income before extraordinary items$2,192,0002,232
Extraordinary gains, net$0249
Net income$2,192,0002,230
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,00011,382
Cash dividends$500,0003,161
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,174,0802,267
1993-12-31 (YTD Data)Rank
Total interest income$24,425,0001,291
Total interest expense$13,244,0001,023
Net interest income$11,181,0001,613
Provision for loan and lease losses$11,0009,693
Total noninterest income$1,901,0002,048
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$919,0001,471
Trading account gains and fees$0532
Additional Noninterest Income$982,0002,052
Total noninterest expense$9,062,0001,671
Salaries and employee benefits$3,165,0002,096
Premises and equipment expense$1,648,0001,297
Additional noninterest expense$4,249,0001,437
Pre-tax net operating income$4,009,0001,720
Securities gains (losses)$8,0005,699
Applicable income taxes$1,376,0001,694
Income before extraordinary items$2,641,0001,889
Extraordinary gains, net$03,149
Net income$2,641,0001,959
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0009,554
Cash dividends$826,0002,082
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,635,7201,786
1992-12-31 (YTD Data)Rank
Total interest income$27,809,0001,309
Total interest expense$16,692,0001,079
Net interest income$11,117,0001,659
Provision for loan and lease losses$122,0006,674
Total noninterest income$1,195,0002,873
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$851,0001,598
Trading account gains and fees$0504
Additional Noninterest Income$344,0004,083
Total noninterest expense$8,827,0001,717
Salaries and employee benefits$3,325,0001,974
Premises and equipment expense$1,630,0001,343
Additional noninterest expense$3,872,0001,627
Pre-tax net operating income$3,363,0001,840
Securities gains (losses)$202,0002,000
Applicable income taxes$1,374,0001,559
Income before extraordinary items$2,191,0002,098
Extraordinary gains, net$01,422
Net income$2,191,0002,124
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-40,00013,403
Cash dividends$800,0001,894
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,061,7202,039

* 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.