Home > Bank of Ellendale > Income and Expense

Bank of Ellendale, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,455,000	10,176
Total interest expense	$690,000	9,996
Net interest income	$765,000	10,210
Provision for loan and lease losses	$0	9,041
Total noninterest income	$257,000	7,493
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	7,271
Trading account gains and fees	NA	NA
Additional Noninterest Income	$146,000	6,047
Total noninterest expense	$570,000	10,308
Salaries and employee benefits	$258,000	10,667
Premises and equipment expense	$68,000	10,142
Additional noninterest expense	$244,000	9,456
Pre-tax net operating income	$452,000	8,200
Securities gains (losses)	$0	4,148
Applicable income taxes	$190,000	7,281
Income before extraordinary items	$262,000	8,734
Extraordinary gains, net	$0	53
Net income	$262,000	8,732
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$16,000	8,114
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$262,000	8,669
1995-12-31 (YTD Data)		Rank
Total interest income	$1,217,000	10,958
Total interest expense	$579,000	10,747
Net interest income	$638,000	11,009
Provision for loan and lease losses	$-75,000	11,654
Total noninterest income	$118,000	9,897
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$103,000	7,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	11,205
Total noninterest expense	$495,000	11,039
Salaries and employee benefits	$243,000	11,216
Premises and equipment expense	$60,000	10,776
Additional noninterest expense	$192,000	10,515
Pre-tax net operating income	$336,000	9,494
Securities gains (losses)	$3,000	3,092
Applicable income taxes	$140,000	8,451
Income before extraordinary items	$199,000	9,942
Extraordinary gains, net	$0	65
Net income	$199,000	9,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,558
Cash dividends	$42,000	7,940
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$197,080	9,931
1994-12-31 (YTD Data)		Rank
Total interest income	$775,000	12,093
Total interest expense	$325,000	11,928
Net interest income	$450,000	12,127
Provision for loan and lease losses	$-100,000	12,140
Total noninterest income	$90,000	10,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	11,564
Total noninterest expense	$368,000	12,157
Salaries and employee benefits	$175,000	12,222
Premises and equipment expense	$47,000	11,731
Additional noninterest expense	$146,000	11,834
Pre-tax net operating income	$272,000	10,327
Securities gains (losses)	$7,000	2,440
Applicable income taxes	$90,000	9,572
Income before extraordinary items	$189,000	10,412
Extraordinary gains, net	$0	249
Net income	$189,000	10,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$184,240	10,493
1993-12-31 (YTD Data)		Rank
Total interest income	$927,000	12,448
Total interest expense	$416,000	12,148
Net interest income	$511,000	12,524
Provision for loan and lease losses	$10,000	9,731
Total noninterest income	$110,000	11,078
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	8,815
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,745
Total noninterest expense	$615,000	11,571
Salaries and employee benefits	$247,000	12,218
Premises and equipment expense	$104,000	10,324
Additional noninterest expense	$264,000	10,903
Pre-tax net operating income	$-4,000	12,455
Securities gains (losses)	$36,000	3,866
Applicable income taxes	$1,000	12,075
Income before extraordinary items	$31,000	12,368
Extraordinary gains, net	$61,000	2,018
Net income	$92,000	11,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	8,222
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-3,920	12,408
1992-12-31 (YTD Data)		Rank
Total interest income	$1,101,000	12,834
Total interest expense	$584,000	12,367
Net interest income	$517,000	13,021
Provision for loan and lease losses	$315,000	4,000
Total noninterest income	$107,000	11,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	8,897
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$609,000	12,006
Salaries and employee benefits	$246,000	12,651
Premises and equipment expense	$102,000	10,663
Additional noninterest expense	$261,000	11,394
Pre-tax net operating income	$-300,000	13,170
Securities gains (losses)	$-10,000	13,291
Applicable income taxes	$0	12,680
Income before extraordinary items	$-310,000	13,257
Extraordinary gains, net	$17,000	1,262
Net income	$-293,000	13,243
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	5,719
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$39,000	959
Net operating income	$-300,000	13,149

* 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.