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Culver National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$4,221,0006,653
Total interest expense$1,692,0007,105
Net interest income$2,529,0006,147
Provision for loan and lease losses$215,0003,255
Total noninterest income$681,0004,195
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$507,0002,692
Trading account gains and feesNANA
Additional Noninterest Income$174,0005,546
Total noninterest expense$2,442,0005,095
Salaries and employee benefits$1,003,0005,976
Premises and equipment expense$306,0005,514
Additional noninterest expense$1,133,0003,965
Pre-tax net operating income$553,0007,675
Securities gains (losses)$78,0001,076
Applicable income taxes$258,0006,342
Income before extraordinary items$373,0007,839
Extraordinary gains, net$053
Net income$373,0007,837
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$97,0004,000
Cash dividends$79,0007,079
Sale, conversion, retirement of capital stock, net$0953
Net operating income$323,0808,168
1995-12-31 (YTD Data)Rank
Total interest income$4,294,0006,694
Total interest expense$1,665,0007,233
Net interest income$2,629,0006,087
Provision for loan and lease losses$390,0001,893
Total noninterest income$673,0004,206
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$462,0002,939
Trading account gains and feesNANA
Additional Noninterest Income$211,0004,973
Total noninterest expense$2,542,0004,930
Salaries and employee benefits$1,041,0005,846
Premises and equipment expense$320,0005,351
Additional noninterest expense$1,181,0003,789
Pre-tax net operating income$370,0009,259
Securities gains (losses)$80,0001,064
Applicable income taxes$170,0007,922
Income before extraordinary items$280,0009,137
Extraordinary gains, net$065
Net income$280,0009,142
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$284,0002,006
Cash dividends$79,0007,221
Sale, conversion, retirement of capital stock, net$0809
Net operating income$228,8009,603
1994-12-31 (YTD Data)Rank
Total interest income$3,907,0006,822
Total interest expense$1,010,0008,653
Net interest income$2,897,0005,743
Provision for loan and lease losses$105,0004,433
Total noninterest income$455,0005,650
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$362,0003,718
Trading account gains and feesNANA
Additional Noninterest Income$93,0007,744
Total noninterest expense$2,476,0005,202
Salaries and employee benefits$971,0006,235
Premises and equipment expense$305,0005,645
Additional noninterest expense$1,200,0004,054
Pre-tax net operating income$771,0007,027
Securities gains (losses)$-4,0009,291
Applicable income taxes$304,0005,828
Income before extraordinary items$463,0007,592
Extraordinary gains, net$0249
Net income$463,0007,600
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$247,0002,167
Cash dividends$79,0007,364
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$465,5607,617
1993-12-31 (YTD Data)Rank
Total interest income$3,749,0007,194
Total interest expense$1,029,0008,971
Net interest income$2,720,0006,131
Provision for loan and lease losses$401,0002,453
Total noninterest income$419,0006,284
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$357,0003,809
Trading account gains and feesNANA
Additional Noninterest Income$62,0009,431
Total noninterest expense$2,168,0005,938
Salaries and employee benefits$854,0007,000
Premises and equipment expense$305,0005,763
Additional noninterest expense$1,009,0004,885
Pre-tax net operating income$570,0008,168
Securities gains (losses)$78,0002,824
Applicable income taxes$256,0006,691
Income before extraordinary items$392,0008,517
Extraordinary gains, net$03,149
Net income$392,0008,678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$678,0001,466
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$342,0808,752
1992-12-31 (YTD Data)Rank
Total interest income$4,190,0007,257
Total interest expense$1,554,0008,350
Net interest income$2,636,0006,346
Provision for loan and lease losses$660,0002,467
Total noninterest income$596,0004,983
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$319,0004,233
Trading account gains and feesNANA
Additional Noninterest Income$277,0004,654
Total noninterest expense$2,240,0005,826
Salaries and employee benefits$795,0007,291
Premises and equipment expense$316,0005,755
Additional noninterest expense$1,129,0004,586
Pre-tax net operating income$332,0009,850
Securities gains (losses)$221,0001,870
Applicable income taxes$220,0007,182
Income before extraordinary items$333,0008,898
Extraordinary gains, net$01,422
Net income$333,0009,042
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$611,0002,149
Cash dividends$75,0007,103
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$191,56010,382

* 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.