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Damen National Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$16,466,0001,962
Total interest expense$9,821,0001,561
Net interest income$6,645,0002,566
Provision for loan and lease losses$123,0004,579
Total noninterest income$240,0007,112
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$59,0007,810
Trading account gains and fees$0224
Additional Noninterest Income$181,0005,217
Total noninterest expense$4,452,0002,915
Salaries and employee benefits$2,604,0002,599
Premises and equipment expense$724,0002,694
Additional noninterest expense$1,124,0003,559
Pre-tax net operating income$2,310,0002,978
Securities gains (losses)$369,000659
Applicable income taxes$524,0003,724
Income before extraordinary items$2,155,0002,386
Extraordinary gains, net$032
Net income$2,155,0002,385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0005,908
Cash dividends$4,100,000746
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,859,8002,652
1997-12-31 (YTD Data)Rank
Total interest income$16,163,0002,012
Total interest expense$9,933,0001,558
Net interest income$6,230,0002,806
Provision for loan and lease losses$53,0006,553
Total noninterest income$77,0009,820
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$46,0008,517
Trading account gains and fees$0239
Additional Noninterest Income$31,0009,280
Total noninterest expense$4,409,0002,879
Salaries and employee benefits$2,514,0002,625
Premises and equipment expense$762,0002,535
Additional noninterest expense$1,133,0003,517
Pre-tax net operating income$1,845,0003,784
Securities gains (losses)$03,944
Applicable income taxes$235,0006,427
Income before extraordinary items$1,610,0003,147
Extraordinary gains, net$044
Net income$1,610,0003,147
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,336
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,610,0003,084
1996-12-31 (YTD Data)Rank
Total interest income$15,925,0002,117
Total interest expense$9,902,0001,605
Net interest income$6,023,0002,946
Provision for loan and lease losses$63,0006,028
Total noninterest income$308,0006,841
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$308,0004,008
Total noninterest expense$5,021,0002,732
Salaries and employee benefits$2,147,0003,113
Premises and equipment expense$806,0002,438
Additional noninterest expense$2,068,0002,383
Pre-tax net operating income$1,247,0004,995
Securities gains (losses)$-1,0009,274
Applicable income taxes$-41,00011,056
Income before extraordinary items$1,287,0003,655
Extraordinary gains, net$053
Net income$1,287,0003,654
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0008,019
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,288,0003,595
1995-12-31 (YTD Data)Rank
Total interest income$14,478,0002,326
Total interest expense$9,726,0001,634
Net interest income$4,752,0003,697
Provision for loan and lease losses$164,0003,466
Total noninterest income$289,0007,202
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$289,0004,091
Total noninterest expense$3,916,0003,398
Salaries and employee benefits$1,909,0003,445
Premises and equipment expense$728,0002,706
Additional noninterest expense$1,279,0003,551
Pre-tax net operating income$961,0006,149
Securities gains (losses)$3,0003,092
Applicable income taxes$-137,00011,746
Income before extraordinary items$1,101,0004,254
Extraordinary gains, net$065
Net income$1,101,0004,251
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$1,098,0004,243
1994-12-31 (YTD Data)Rank
Total interest income$12,731,0002,383
Total interest expense$7,782,0001,619
Net interest income$4,949,0003,601
Provision for loan and lease losses$-4,00011,707
Total noninterest income$-360,00012,587
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$-360,00012,630
Total noninterest expense$3,267,0004,099
Salaries and employee benefits$1,405,0004,543
Premises and equipment expense$719,0002,765
Additional noninterest expense$1,143,0004,231
Pre-tax net operating income$1,326,0004,868
Securities gains (losses)$40,0001,289
Applicable income taxes$-72,00012,260
Income before extraordinary items$1,438,0003,282
Extraordinary gains, net$0249
Net income$1,438,0003,299
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,398,0003,399
1993-12-31 (YTD Data)Rank
Total interest income$13,718,0002,262
Total interest expense$7,702,0001,713
Net interest income$6,016,0003,020
Provision for loan and lease losses$9,0009,850
Total noninterest income$257,0008,258
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$257,0004,935
Total noninterest expense$3,561,0003,855
Salaries and employee benefits$1,330,0004,784
Premises and equipment expense$916,0002,233
Additional noninterest expense$1,315,0003,899
Pre-tax net operating income$2,703,0002,525
Securities gains (losses)$528,000866
Applicable income taxes$872,0002,580
Income before extraordinary items$2,359,0002,122
Extraordinary gains, net$03,149
Net income$2,359,0002,204
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,973,5602,404
1992-12-31 (YTD Data)Rank
Total interest income$14,759,0002,381
Total interest expense$9,184,0001,846
Net interest income$5,575,0003,285
Provision for loan and lease losses$533,0002,865
Total noninterest income$219,0009,045
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$219,0005,372
Total noninterest expense$3,161,0004,314
Salaries and employee benefits$1,347,0004,675
Premises and equipment expense$639,0003,165
Additional noninterest expense$1,175,0004,425
Pre-tax net operating income$2,100,0002,964
Securities gains (losses)$641,000898
Applicable income taxes$791,0002,647
Income before extraordinary items$1,950,0002,343
Extraordinary gains, net$01,422
Net income$1,950,0002,385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$714,0001,949
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,494,8902,857

* 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.