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Centennial Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$72,479,000500
Total interest expense$23,951,000696
Net interest income$48,528,000411
Provision for loan and lease losses$3,950,000425
Total noninterest income$5,403,000926
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,923,000760
Trading account gains and fees$0177
Additional Noninterest Income$3,480,000845
Total noninterest expense$27,097,000602
Salaries and employee benefits$16,161,000496
Premises and equipment expense$3,955,000562
Additional noninterest expense$6,981,000735
Pre-tax net operating income$22,884,000382
Securities gains (losses)$871,000428
Applicable income taxes$9,069,000355
Income before extraordinary items$14,686,000409
Extraordinary gains, net$0105
Net income$14,686,000408
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,594,000471
Cash dividends$6,000,000528
Sale, conversion, retirement of capital stock, net$0922
Net operating income$14,128,560411
2000-12-31 (YTD Data)Rank
Total interest income$72,998,000525
Total interest expense$29,019,000638
Net interest income$43,979,000445
Provision for loan and lease losses$3,800,000389
Total noninterest income$2,836,0001,420
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,549,000870
Trading account gains and fees$0180
Additional Noninterest Income$1,287,0001,572
Total noninterest expense$20,759,000735
Salaries and employee benefits$11,801,000612
Premises and equipment expense$3,338,000642
Additional noninterest expense$5,620,000874
Pre-tax net operating income$22,256,000414
Securities gains (losses)$268,000363
Applicable income taxes$8,558,000375
Income before extraordinary items$13,966,000436
Extraordinary gains, net$038
Net income$13,966,000437
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$815,000866
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$13,794,480443
1999-12-31 (YTD Data)Rank
Total interest income$53,297,000657
Total interest expense$18,007,000878
Net interest income$35,290,000550
Provision for loan and lease losses$2,300,000506
Total noninterest income$2,316,0001,671
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,460,000907
Trading account gains and fees$0173
Additional Noninterest Income$856,0002,065
Total noninterest expense$16,219,000886
Salaries and employee benefits$9,084,000770
Premises and equipment expense$2,637,000777
Additional noninterest expense$4,498,0001,048
Pre-tax net operating income$19,087,000502
Securities gains (losses)$299,000457
Applicable income taxes$7,054,000470
Income before extraordinary items$12,332,000530
Extraordinary gains, net$035
Net income$12,332,000530
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$586,0001,071
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$12,140,640527
1998-12-31 (YTD Data)Rank
Total interest income$44,861,000747
Total interest expense$15,995,000997
Net interest income$28,866,000620
Provision for loan and lease losses$1,500,000707
Total noninterest income$1,954,0001,873
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,207,0001,030
Trading account gains and fees$0224
Additional Noninterest Income$747,0002,277
Total noninterest expense$13,374,000998
Salaries and employee benefits$8,053,000822
Premises and equipment expense$2,041,000947
Additional noninterest expense$3,280,0001,340
Pre-tax net operating income$15,946,000526
Securities gains (losses)$600,000497
Applicable income taxes$5,626,000524
Income before extraordinary items$10,920,000541
Extraordinary gains, net$032
Net income$10,920,000540
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$398,0001,512
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$10,524,000541
1997-12-31 (YTD Data)Rank
Total interest income$37,014,000926
Total interest expense$13,738,0001,181
Net interest income$23,276,000784
Provision for loan and lease losses$1,250,000830
Total noninterest income$2,406,0001,523
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,065,0001,188
Trading account gains and fees$0239
Additional Noninterest Income$1,341,0001,433
Total noninterest expense$10,841,0001,223
Salaries and employee benefits$6,439,0001,026
Premises and equipment expense$1,676,0001,188
Additional noninterest expense$2,726,0001,574
Pre-tax net operating income$13,591,000624
Securities gains (losses)$169,000786
Applicable income taxes$4,282,000681
Income before extraordinary items$9,478,000620
Extraordinary gains, net$044
Net income$9,478,000621
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$501,0001,332
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$9,361,390605
1996-12-31 (YTD Data)Rank
Total interest income$29,812,0001,153
Total interest expense$11,028,0001,461
Net interest income$18,784,000982
Provision for loan and lease losses$735,0001,277
Total noninterest income$1,778,0002,025
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$986,0001,360
Trading account gains and fees$0262
Additional Noninterest Income$792,0002,122
Total noninterest expense$9,453,0001,511
Salaries and employee benefits$5,290,0001,267
Premises and equipment expense$1,627,0001,262
Additional noninterest expense$2,536,0001,986
Pre-tax net operating income$10,374,000767
Securities gains (losses)$7,0002,762
Applicable income taxes$3,381,000790
Income before extraordinary items$7,000,000780
Extraordinary gains, net$053
Net income$7,000,000781
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,831
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$6,995,310756
1995-12-31 (YTD Data)Rank
Total interest income$23,794,0001,448
Total interest expense$8,627,0001,835
Net interest income$15,167,0001,189
Provision for loan and lease losses$350,0002,061
Total noninterest income$1,563,0002,221
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$927,0001,476
Trading account gains and fees$0522
Additional Noninterest Income$636,0002,445
Total noninterest expense$8,458,0001,668
Salaries and employee benefits$4,396,0001,512
Premises and equipment expense$1,358,0001,504
Additional noninterest expense$2,704,0001,847
Pre-tax net operating income$7,922,000990
Securities gains (losses)$22,0001,840
Applicable income taxes$2,542,0001,030
Income before extraordinary items$5,402,000983
Extraordinary gains, net$065
Net income$5,402,000982
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0003,360
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$5,387,040978
1994-12-31 (YTD Data)Rank
Total interest income$17,468,0001,757
Total interest expense$4,850,0002,534
Net interest income$12,618,0001,429
Provision for loan and lease losses$315,0002,173
Total noninterest income$1,773,0002,007
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$866,0001,566
Trading account gains and fees$0475
Additional Noninterest Income$907,0001,967
Total noninterest expense$7,904,0001,831
Salaries and employee benefits$3,840,0001,747
Premises and equipment expense$963,0002,102
Additional noninterest expense$3,101,0001,753
Pre-tax net operating income$6,172,0001,213
Securities gains (losses)$65,0001,002
Applicable income taxes$1,818,0001,304
Income before extraordinary items$4,419,0001,149
Extraordinary gains, net$0249
Net income$4,419,0001,149
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0003,234
Cash dividends$120,0006,524
Sale, conversion, retirement of capital stock, net$4,250,000197
Net operating income$4,372,8501,175
1993-12-31 (YTD Data)Rank
Total interest income$12,149,0002,540
Total interest expense$3,711,0003,396
Net interest income$8,438,0002,139
Provision for loan and lease losses$280,0003,154
Total noninterest income$1,227,0002,860
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$669,0002,044
Trading account gains and fees$0532
Additional Noninterest Income$558,0003,022
Total noninterest expense$6,015,0002,389
Salaries and employee benefits$2,906,0002,288
Premises and equipment expense$645,0003,107
Additional noninterest expense$2,464,0002,263
Pre-tax net operating income$3,370,0002,022
Securities gains (losses)$450,000967
Applicable income taxes$1,132,0002,025
Income before extraordinary items$2,688,0001,853
Extraordinary gains, net$03,149
Net income$2,688,0001,919
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-137,00013,025
Cash dividends$620,0002,586
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,373,0001,982
1992-12-31 (YTD Data)Rank
Total interest income$11,178,0003,132
Total interest expense$4,132,0003,956
Net interest income$7,046,0002,571
Provision for loan and lease losses$220,0004,962
Total noninterest income$1,413,0002,506
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$633,0002,148
Trading account gains and fees$72,000292
Additional Noninterest Income$708,0002,522
Total noninterest expense$6,151,0002,360
Salaries and employee benefits$2,632,0002,452
Premises and equipment expense$504,0003,947
Additional noninterest expense$3,015,0001,991
Pre-tax net operating income$2,088,0002,984
Securities gains (losses)$549,0001,017
Applicable income taxes$819,0002,546
Income before extraordinary items$1,808,0002,543
Extraordinary gains, net$01,422
Net income$1,808,0002,579
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$278,0003,493
Cash dividends$160,0005,601
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,429,1902,979

* 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.