Home > Caldwell National Bank > Income and Expense
Caldwell National Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,079,000 | 6,426 |
| Total interest expense | $1,791,000 | 6,572 |
| Net interest income | $2,288,000 | 6,145 |
| Provision for loan and lease losses | $-10,000 | 10,216 |
| Total noninterest income | $302,000 | 6,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,192 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $1,516,000 | 6,647 |
| Salaries and employee benefits | $886,000 | 6,269 |
| Premises and equipment expense | $136,000 | 7,956 |
| Additional noninterest expense | $494,000 | 6,485 |
| Pre-tax net operating income | $1,084,000 | 5,180 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $309,000 | 5,095 |
| Income before extraordinary items | $775,000 | 5,284 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $775,000 | 5,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,269 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $775,000 | 5,187 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,899,000 | 6,746 |
| Total interest expense | $1,635,000 | 7,039 |
| Net interest income | $2,264,000 | 6,422 |
| Provision for loan and lease losses | $-58,000 | 10,728 |
| Total noninterest income | $329,000 | 6,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $1,480,000 | 6,838 |
| Salaries and employee benefits | $856,000 | 6,510 |
| Premises and equipment expense | $146,000 | 7,890 |
| Additional noninterest expense | $478,000 | 6,694 |
| Pre-tax net operating income | $1,171,000 | 5,318 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $352,000 | 5,279 |
| Income before extraordinary items | $819,000 | 5,385 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $819,000 | 5,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 10,246 |
| Cash dividends | $319,000 | 4,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $819,000 | 5,329 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,771,000 | 7,086 |
| Total interest expense | $1,618,000 | 7,285 |
| Net interest income | $2,153,000 | 6,854 |
| Provision for loan and lease losses | $-5,000 | 11,061 |
| Total noninterest income | $304,000 | 6,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $1,441,000 | 7,283 |
| Salaries and employee benefits | $793,000 | 7,012 |
| Premises and equipment expense | $132,000 | 8,482 |
| Additional noninterest expense | $516,000 | 6,931 |
| Pre-tax net operating income | $1,021,000 | 5,656 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $296,000 | 5,880 |
| Income before extraordinary items | $721,000 | 5,669 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $721,000 | 5,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-117,000 | 11,250 |
| Cash dividends | $162,000 | 5,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $723,840 | 5,603 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,597,000 | 7,426 |
| Total interest expense | $1,562,000 | 7,526 |
| Net interest income | $2,035,000 | 7,223 |
| Provision for loan and lease losses | $-78,000 | 11,664 |
| Total noninterest income | $333,000 | 6,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,621 |
| Total noninterest expense | $1,531,000 | 7,171 |
| Salaries and employee benefits | $762,000 | 7,339 |
| Premises and equipment expense | $140,000 | 8,530 |
| Additional noninterest expense | $629,000 | 6,338 |
| Pre-tax net operating income | $915,000 | 6,345 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $266,000 | 6,426 |
| Income before extraordinary items | $649,000 | 6,322 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $649,000 | 6,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 11,372 |
| Cash dividends | $633,000 | 2,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $649,000 | 6,299 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 7,569 |
| Total interest expense | $1,219,000 | 7,822 |
| Net interest income | $2,118,000 | 7,275 |
| Provision for loan and lease losses | $-100,000 | 12,140 |
| Total noninterest income | $323,000 | 6,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,618 |
| Total noninterest expense | $1,529,000 | 7,511 |
| Salaries and employee benefits | $778,000 | 7,329 |
| Premises and equipment expense | $144,000 | 8,713 |
| Additional noninterest expense | $607,000 | 6,989 |
| Pre-tax net operating income | $1,012,000 | 5,901 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $290,000 | 5,998 |
| Income before extraordinary items | $722,000 | 5,791 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $722,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 12,106 |
| Cash dividends | $420,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $722,000 | 5,866 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,523,000 | 7,505 |
| Total interest expense | $1,305,000 | 7,861 |
| Net interest income | $2,218,000 | 7,133 |
| Provision for loan and lease losses | $-76,000 | 12,845 |
| Total noninterest income | $284,000 | 7,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 5,195 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,733 |
| Total noninterest expense | $1,558,000 | 7,625 |
| Salaries and employee benefits | $799,000 | 7,328 |
| Premises and equipment expense | $132,000 | 9,415 |
| Additional noninterest expense | $627,000 | 7,105 |
| Pre-tax net operating income | $1,020,000 | 5,814 |
| Securities gains (losses) | $166,000 | 1,886 |
| Applicable income taxes | $352,000 | 5,472 |
| Income before extraordinary items | $834,000 | 5,392 |
| Extraordinary gains, net | $-64,000 | 12,794 |
| Net income | $770,000 | 5,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 12,713 |
| Cash dividends | $114,000 | 6,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $717,800 | 5,742 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,685,000 | 7,934 |
| Total interest expense | $1,693,000 | 7,910 |
| Net interest income | $1,992,000 | 7,792 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $255,000 | 8,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,796 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $1,489,000 | 7,952 |
| Salaries and employee benefits | $729,000 | 7,776 |
| Premises and equipment expense | $124,000 | 9,888 |
| Additional noninterest expense | $636,000 | 7,207 |
| Pre-tax net operating income | $758,000 | 6,775 |
| Securities gains (losses) | $154,000 | 2,386 |
| Applicable income taxes | $252,000 | 6,625 |
| Income before extraordinary items | $660,000 | 6,169 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $660,000 | 6,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 7,091 |
| Cash dividends | $95,000 | 6,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $549,120 | 6,574 |
* 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.