Home > Bank of Lake County > Income and Expense
Bank of Lake County, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,112,000 | 4,883 |
| Total interest expense | $1,840,000 | 6,282 |
| Net interest income | $4,272,000 | 3,951 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,711,000 | 2,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $834,000 | 1,582 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $877,000 | 2,035 |
| Total noninterest expense | $3,543,000 | 3,675 |
| Salaries and employee benefits | $1,059,000 | 5,667 |
| Premises and equipment expense | $384,000 | 4,669 |
| Additional noninterest expense | $2,100,000 | 2,073 |
| Pre-tax net operating income | $2,320,000 | 2,971 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $725,000 | 2,835 |
| Income before extraordinary items | $1,595,000 | 3,091 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,595,000 | 3,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $2,000,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,595,000 | 3,061 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,384,000 | 4,766 |
| Total interest expense | $2,237,000 | 5,773 |
| Net interest income | $4,147,000 | 4,009 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,489,000 | 2,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $760,000 | 1,670 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $729,000 | 2,319 |
| Total noninterest expense | $3,636,000 | 3,497 |
| Salaries and employee benefits | $1,020,000 | 5,707 |
| Premises and equipment expense | $386,000 | 4,555 |
| Additional noninterest expense | $2,230,000 | 1,895 |
| Pre-tax net operating income | $1,880,000 | 3,503 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $523,000 | 3,728 |
| Income before extraordinary items | $1,357,000 | 3,538 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,357,000 | 3,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,731 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,357,000 | 3,442 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,394,000 | 4,825 |
| Total interest expense | $2,238,000 | 5,813 |
| Net interest income | $4,156,000 | 4,102 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,223,000 | 2,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $706,000 | 1,842 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $517,000 | 2,757 |
| Total noninterest expense | $3,330,000 | 3,765 |
| Salaries and employee benefits | $910,000 | 6,235 |
| Premises and equipment expense | $401,000 | 4,447 |
| Additional noninterest expense | $2,019,000 | 2,069 |
| Pre-tax net operating income | $1,929,000 | 3,666 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $571,000 | 3,825 |
| Income before extraordinary items | $1,358,000 | 3,660 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,358,000 | 3,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,076 |
| Cash dividends | $2,722,000 | 1,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,358,000 | 3,588 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,380,000 | 4,943 |
| Total interest expense | $2,189,000 | 6,070 |
| Net interest income | $4,191,000 | 4,159 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $1,168,000 | 2,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $736,000 | 1,842 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $432,000 | 3,231 |
| Total noninterest expense | $3,659,000 | 3,620 |
| Salaries and employee benefits | $965,000 | 6,153 |
| Premises and equipment expense | $450,000 | 4,111 |
| Additional noninterest expense | $2,244,000 | 2,219 |
| Pre-tax net operating income | $1,460,000 | 4,438 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $408,000 | 4,832 |
| Income before extraordinary items | $1,060,000 | 4,274 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,060,000 | 4,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,244 |
| Cash dividends | $768,000 | 2,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,054,240 | 4,238 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,432,000 | 4,901 |
| Total interest expense | $2,217,000 | 6,054 |
| Net interest income | $4,215,000 | 4,132 |
| Provision for loan and lease losses | $220,000 | 2,837 |
| Total noninterest income | $811,000 | 3,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $555,000 | 2,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,412 |
| Total noninterest expense | $3,810,000 | 3,474 |
| Salaries and employee benefits | $1,026,000 | 5,927 |
| Premises and equipment expense | $504,000 | 3,739 |
| Additional noninterest expense | $2,280,000 | 2,164 |
| Pre-tax net operating income | $996,000 | 6,020 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $249,000 | 6,662 |
| Income before extraordinary items | $747,000 | 5,728 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $747,000 | 5,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,027 |
| Cash dividends | $544,000 | 3,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $747,000 | 5,701 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,879,000 | 4,291 |
| Total interest expense | $1,868,000 | 5,909 |
| Net interest income | $5,011,000 | 3,560 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $766,000 | 3,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $502,000 | 2,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,440 |
| Total noninterest expense | $3,555,000 | 3,794 |
| Salaries and employee benefits | $1,123,000 | 5,559 |
| Premises and equipment expense | $413,000 | 4,457 |
| Additional noninterest expense | $2,019,000 | 2,555 |
| Pre-tax net operating income | $2,062,000 | 3,343 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $732,000 | 2,998 |
| Income before extraordinary items | $1,330,000 | 3,523 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,330,000 | 3,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $1,215,000 | 1,625 |
| Sale, conversion, retirement of capital stock, net | $-91,000 | 12,509 |
| Net operating income | $1,330,000 | 3,556 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,744,000 | 3,930 |
| Total interest expense | $2,681,000 | 4,535 |
| Net interest income | $5,063,000 | 3,533 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $928,000 | 3,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $448,000 | 3,095 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $480,000 | 3,350 |
| Total noninterest expense | $3,405,000 | 4,020 |
| Salaries and employee benefits | $1,239,000 | 5,092 |
| Premises and equipment expense | $359,000 | 5,130 |
| Additional noninterest expense | $1,807,000 | 2,978 |
| Pre-tax net operating income | $2,466,000 | 2,738 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $913,000 | 2,487 |
| Income before extraordinary items | $1,552,000 | 3,142 |
| Extraordinary gains, net | $7,000 | 3,012 |
| Net income | $1,559,000 | 3,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,552,000 | 2,962 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,924,000 | 4,322 |
| Total interest expense | $3,654,000 | 4,397 |
| Net interest income | $4,270,000 | 4,196 |
| Provision for loan and lease losses | $420,000 | 3,347 |
| Total noninterest income | $821,000 | 3,906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $404,000 | 3,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $417,000 | 3,606 |
| Total noninterest expense | $2,948,000 | 4,611 |
| Salaries and employee benefits | $1,311,000 | 4,779 |
| Premises and equipment expense | $347,000 | 5,405 |
| Additional noninterest expense | $1,290,000 | 4,068 |
| Pre-tax net operating income | $1,723,000 | 3,570 |
| Securities gains (losses) | $175,000 | 2,204 |
| Applicable income taxes | $694,000 | 3,006 |
| Income before extraordinary items | $1,204,000 | 3,793 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,204,000 | 3,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,092,000 | 3,846 |
* 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.