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Capitol Bank and Trust, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$17,288,0001,955
Total interest expense$7,619,0002,060
Net interest income$9,669,0001,839
Provision for loan and lease losses$308,0002,518
Total noninterest income$1,135,0002,811
Gross Fiduciary activities income$304,000856
Service charges on deposit accounts$634,0002,133
Trading account gains and fees$0262
Additional Noninterest Income$197,0005,206
Total noninterest expense$6,045,0002,272
Salaries and employee benefits$3,337,0001,981
Premises and equipment expense$647,0002,983
Additional noninterest expense$2,061,0002,390
Pre-tax net operating income$4,451,0001,629
Securities gains (losses)$245,000623
Applicable income taxes$1,787,0001,362
Income before extraordinary items$2,909,0001,710
Extraordinary gains, net$053
Net income$2,909,0001,711
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$581,0001,267
Cash dividends$633,0002,938
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,752,2001,767
1995-12-31 (YTD Data)Rank
Total interest income$17,504,0001,933
Total interest expense$7,624,0002,055
Net interest income$9,880,0001,808
Provision for loan and lease losses$333,0002,126
Total noninterest income$1,202,0002,720
Gross Fiduciary activities income$327,000865
Service charges on deposit accounts$646,0002,102
Trading account gains and fees$0522
Additional Noninterest Income$229,0004,737
Total noninterest expense$7,282,0001,907
Salaries and employee benefits$3,282,0002,018
Premises and equipment expense$657,0002,977
Additional noninterest expense$3,343,0001,547
Pre-tax net operating income$3,467,0002,118
Securities gains (losses)$-112,00011,535
Applicable income taxes$1,543,0001,612
Income before extraordinary items$1,812,0002,723
Extraordinary gains, net$065
Net income$1,812,0002,724
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$206,0002,447
Cash dividends$1,275,0001,690
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,883,6802,608
1994-12-31 (YTD Data)Rank
Total interest income$15,232,0002,042
Total interest expense$5,843,0002,141
Net interest income$9,389,0001,928
Provision for loan and lease losses$1,183,000837
Total noninterest income$1,255,0002,646
Gross Fiduciary activities income$324,000877
Service charges on deposit accounts$672,0002,011
Trading account gains and fees$0475
Additional Noninterest Income$259,0004,483
Total noninterest expense$6,311,0002,235
Salaries and employee benefits$3,321,0001,999
Premises and equipment expense$703,0002,818
Additional noninterest expense$2,287,0002,301
Pre-tax net operating income$3,150,0002,247
Securities gains (losses)$93,000804
Applicable income taxes$832,0002,686
Income before extraordinary items$2,411,0002,021
Extraordinary gains, net$0249
Net income$2,411,0002,020
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$686,0001,110
Cash dividends$400,0003,689
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,342,1802,106
1993-12-31 (YTD Data)Rank
Total interest income$13,701,0002,265
Total interest expense$5,828,0002,233
Net interest income$7,873,0002,284
Provision for loan and lease losses$1,391,0001,056
Total noninterest income$1,529,0002,414
Gross Fiduciary activities income$360,000876
Service charges on deposit accounts$845,0001,623
Trading account gains and fees$0532
Additional Noninterest Income$324,0004,281
Total noninterest expense$6,316,0002,288
Salaries and employee benefits$3,271,0002,030
Premises and equipment expense$798,0002,558
Additional noninterest expense$2,247,0002,470
Pre-tax net operating income$1,695,0003,890
Securities gains (losses)$164,0001,897
Applicable income taxes$529,0003,982
Income before extraordinary items$1,330,0003,629
Extraordinary gains, net$186,0001,071
Net income$1,516,0003,315
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,130,000702
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,211,9203,773
1992-12-31 (YTD Data)Rank
Total interest income$14,728,0002,386
Total interest expense$7,096,0002,371
Net interest income$7,632,0002,368
Provision for loan and lease losses$1,486,0001,411
Total noninterest income$1,861,0002,033
Gross Fiduciary activities income$366,000867
Service charges on deposit accounts$1,034,0001,286
Trading account gains and fees$0504
Additional Noninterest Income$461,0003,367
Total noninterest expense$6,674,0002,208
Salaries and employee benefits$3,366,0001,947
Premises and equipment expense$802,0002,588
Additional noninterest expense$2,506,0002,318
Pre-tax net operating income$1,333,0004,515
Securities gains (losses)$55,0003,959
Applicable income taxes$284,0006,159
Income before extraordinary items$1,104,0004,118
Extraordinary gains, net$01,422
Net income$1,104,0004,161
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,331,0001,298
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,060,0003,964

* 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.