BankIowa, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,055,000 | 2,165 |
| Total interest expense | $7,902,000 | 1,940 |
| Net interest income | $7,153,000 | 2,381 |
| Provision for loan and lease losses | $320,000 | 2,466 |
| Total noninterest income | $1,473,000 | 2,294 |
| Gross Fiduciary activities income | $95,000 | 1,022 |
| Service charges on deposit accounts | $609,000 | 2,103 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $769,000 | 2,233 |
| Total noninterest expense | $6,494,000 | 2,016 |
| Salaries and employee benefits | $3,208,000 | 2,111 |
| Premises and equipment expense | $641,000 | 2,991 |
| Additional noninterest expense | $2,645,000 | 1,623 |
| Pre-tax net operating income | $1,812,000 | 3,612 |
| Securities gains (losses) | $239,000 | 833 |
| Applicable income taxes | $194,000 | 6,264 |
| Income before extraordinary items | $1,857,000 | 2,729 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,857,000 | 2,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,917 |
| Cash dividends | $2,720,000 | 1,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,639,510 | 2,939 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,511,000 | 2,415 |
| Total interest expense | $7,616,000 | 2,017 |
| Net interest income | $5,895,000 | 2,960 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,170,000 | 2,684 |
| Gross Fiduciary activities income | $84,000 | 1,085 |
| Service charges on deposit accounts | $427,000 | 3,056 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $659,000 | 2,314 |
| Total noninterest expense | $4,936,000 | 2,596 |
| Salaries and employee benefits | $2,675,000 | 2,482 |
| Premises and equipment expense | $561,000 | 3,351 |
| Additional noninterest expense | $1,700,000 | 2,428 |
| Pre-tax net operating income | $2,129,000 | 3,341 |
| Securities gains (losses) | $-74,000 | 10,717 |
| Applicable income taxes | $276,000 | 5,959 |
| Income before extraordinary items | $1,779,000 | 2,856 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,779,000 | 2,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,696 |
| Cash dividends | $2,640,000 | 1,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,843,380 | 2,725 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,768,000 | 3,355 |
| Total interest expense | $4,417,000 | 3,375 |
| Net interest income | $5,351,000 | 3,311 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $837,000 | 3,579 |
| Gross Fiduciary activities income | $69,000 | 1,174 |
| Service charges on deposit accounts | $376,000 | 3,519 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $392,000 | 3,445 |
| Total noninterest expense | $3,430,000 | 3,845 |
| Salaries and employee benefits | $1,971,000 | 3,374 |
| Premises and equipment expense | $480,000 | 3,901 |
| Additional noninterest expense | $979,000 | 4,482 |
| Pre-tax net operating income | $2,758,000 | 2,547 |
| Securities gains (losses) | $112,000 | 907 |
| Applicable income taxes | $795,000 | 2,865 |
| Income before extraordinary items | $2,075,000 | 2,379 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,075,000 | 2,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-324,000 | 11,388 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,994,360 | 2,423 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,843,000 | 3,328 |
| Total interest expense | $4,603,000 | 3,254 |
| Net interest income | $5,240,000 | 3,383 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $666,000 | 4,247 |
| Gross Fiduciary activities income | $44,000 | 1,308 |
| Service charges on deposit accounts | $361,000 | 3,671 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $261,000 | 4,369 |
| Total noninterest expense | $3,108,000 | 4,152 |
| Salaries and employee benefits | $1,777,000 | 3,695 |
| Premises and equipment expense | $396,000 | 4,583 |
| Additional noninterest expense | $935,000 | 4,609 |
| Pre-tax net operating income | $2,778,000 | 2,601 |
| Securities gains (losses) | $110,000 | 911 |
| Applicable income taxes | $764,000 | 2,997 |
| Income before extraordinary items | $2,124,000 | 2,375 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,124,000 | 2,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,637 |
| Cash dividends | $781,000 | 2,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,042,600 | 2,438 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,558,000 | 3,503 |
| Total interest expense | $3,512,000 | 3,444 |
| Net interest income | $5,046,000 | 3,527 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $560,000 | 4,891 |
| Gross Fiduciary activities income | $36,000 | 1,361 |
| Service charges on deposit accounts | $348,000 | 3,860 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $176,000 | 5,699 |
| Total noninterest expense | $3,051,000 | 4,343 |
| Salaries and employee benefits | $1,759,000 | 3,710 |
| Premises and equipment expense | $379,000 | 4,801 |
| Additional noninterest expense | $913,000 | 5,110 |
| Pre-tax net operating income | $2,405,000 | 2,932 |
| Securities gains (losses) | $-215,000 | 11,978 |
| Applicable income taxes | $561,000 | 3,703 |
| Income before extraordinary items | $1,629,000 | 2,954 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,629,000 | 2,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,055 |
| Cash dividends | $240,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,788,100 | 2,722 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,349,000 | 3,662 |
| Total interest expense | $3,324,000 | 3,764 |
| Net interest income | $5,025,000 | 3,555 |
| Provision for loan and lease losses | $850,000 | 1,453 |
| Total noninterest income | $646,000 | 4,705 |
| Gross Fiduciary activities income | $34,000 | 1,395 |
| Service charges on deposit accounts | $335,000 | 4,029 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $277,000 | 4,693 |
| Total noninterest expense | $2,990,000 | 4,524 |
| Salaries and employee benefits | $1,596,000 | 4,036 |
| Premises and equipment expense | $396,000 | 4,760 |
| Additional noninterest expense | $998,000 | 4,932 |
| Pre-tax net operating income | $1,831,000 | 3,613 |
| Securities gains (losses) | $121,000 | 2,242 |
| Applicable income taxes | $544,000 | 3,887 |
| Income before extraordinary items | $1,408,000 | 3,428 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,408,000 | 3,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,867 |
| Cash dividends | $240,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,320,880 | 3,464 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,503,000 | 3,670 |
| Total interest expense | $4,205,000 | 3,894 |
| Net interest income | $5,298,000 | 3,439 |
| Provision for loan and lease losses | $986,000 | 1,862 |
| Total noninterest income | $564,000 | 5,193 |
| Gross Fiduciary activities income | $33,000 | 1,424 |
| Service charges on deposit accounts | $289,000 | 4,588 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $242,000 | 5,073 |
| Total noninterest expense | $2,784,000 | 4,840 |
| Salaries and employee benefits | $1,484,000 | 4,273 |
| Premises and equipment expense | $383,000 | 4,960 |
| Additional noninterest expense | $917,000 | 5,435 |
| Pre-tax net operating income | $2,092,000 | 2,974 |
| Securities gains (losses) | $315,000 | 1,488 |
| Applicable income taxes | $662,000 | 3,139 |
| Income before extraordinary items | $1,745,000 | 2,639 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,745,000 | 2,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $798,000 | 1,823 |
| Cash dividends | $810,000 | 1,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,518,200 | 2,814 |
* 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.