Home > Bank of Downing > Income and Expense
Bank of Downing, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $592,000 | 11,724 |
| Total interest expense | $281,000 | 11,611 |
| Net interest income | $311,000 | 11,751 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $4,000 | 11,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $217,000 | 11,856 |
| Salaries and employee benefits | $152,000 | 11,731 |
| Premises and equipment expense | $26,000 | 11,697 |
| Additional noninterest expense | $39,000 | 11,927 |
| Pre-tax net operating income | $98,000 | 11,097 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $22,000 | 10,722 |
| Income before extraordinary items | $76,000 | 11,130 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $76,000 | 11,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $2,000 | 8,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $76,000 | 11,108 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $543,000 | 12,382 |
| Total interest expense | $206,000 | 12,328 |
| Net interest income | $337,000 | 12,351 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $6,000 | 12,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 12,297 |
| Total noninterest expense | $227,000 | 12,485 |
| Salaries and employee benefits | $127,000 | 12,448 |
| Premises and equipment expense | $29,000 | 12,238 |
| Additional noninterest expense | $71,000 | 12,469 |
| Pre-tax net operating income | $116,000 | 11,522 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $30,000 | 10,923 |
| Income before extraordinary items | $86,000 | 11,515 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $86,000 | 11,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $1,000 | 8,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $86,000 | 11,561 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $634,000 | 12,900 |
| Total interest expense | $213,000 | 12,950 |
| Net interest income | $421,000 | 12,758 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $11,000 | 13,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 12,687 |
| Total noninterest expense | $296,000 | 12,995 |
| Salaries and employee benefits | $124,000 | 13,107 |
| Premises and equipment expense | $32,000 | 12,790 |
| Additional noninterest expense | $140,000 | 12,544 |
| Pre-tax net operating income | $91,000 | 11,918 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $91,000 | 11,888 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $91,000 | 11,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 12,449 |
| Cash dividends | $1,000 | 9,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $91,000 | 11,698 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $725,000 | 13,456 |
| Total interest expense | $341,000 | 13,381 |
| Net interest income | $384,000 | 13,427 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $21,000 | 13,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 11,730 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $238,000 | 13,730 |
| Salaries and employee benefits | $128,000 | 13,689 |
| Premises and equipment expense | $33,000 | 13,314 |
| Additional noninterest expense | $77,000 | 13,711 |
| Pre-tax net operating income | $167,000 | 11,356 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $43,000 | 11,451 |
| Income before extraordinary items | $124,000 | 11,632 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $124,000 | 11,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 8,849 |
| Cash dividends | $2,000 | 8,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $124,000 | 11,312 |
* 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.