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Duncanville National Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$1,484,0009,314
Total interest expense$429,0009,846
Net interest income$1,055,0008,671
Provision for loan and lease losses$393,0002,093
Total noninterest income$397,0005,640
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$336,0003,594
Trading account gains and feesNANA
Additional Noninterest Income$61,0007,768
Total noninterest expense$1,439,0006,857
Salaries and employee benefits$622,0007,631
Premises and equipment expense$205,0006,629
Additional noninterest expense$612,0005,673
Pre-tax net operating income$-380,00010,123
Securities gains (losses)$04,449
Applicable income taxes$-37,00010,105
Income before extraordinary items$-343,00010,154
Extraordinary gains, net$032
Net income$-343,00010,150
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$314,0001,797
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-343,00010,127
1997-12-31 (YTD Data)Rank
Total interest income$1,655,0009,490
Total interest expense$489,00010,120
Net interest income$1,166,0008,773
Provision for loan and lease losses$328,0002,440
Total noninterest income$298,0006,663
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$278,0004,304
Trading account gains and feesNANA
Additional Noninterest Income$20,0009,849
Total noninterest expense$1,354,0007,166
Salaries and employee benefits$628,0007,736
Premises and equipment expense$201,0006,835
Additional noninterest expense$525,0006,314
Pre-tax net operating income$-218,00010,577
Securities gains (losses)$03,944
Applicable income taxes$-28,00010,575
Income before extraordinary items$-180,00010,589
Extraordinary gains, net$044
Net income$-180,00010,589
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$221,0002,397
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-180,00010,562
1996-12-31 (YTD Data)Rank
Total interest income$1,637,0009,922
Total interest expense$387,00010,910
Net interest income$1,250,0008,903
Provision for loan and lease losses$60,0006,086
Total noninterest income$276,0007,245
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$259,0004,701
Trading account gains and feesNANA
Additional Noninterest Income$17,00010,581
Total noninterest expense$1,218,0007,938
Salaries and employee benefits$569,0008,330
Premises and equipment expense$179,0007,451
Additional noninterest expense$470,0007,300
Pre-tax net operating income$248,0009,501
Securities gains (losses)$04,148
Applicable income taxes$85,0009,017
Income before extraordinary items$163,0009,665
Extraordinary gains, net$053
Net income$163,0009,664
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$68,0004,696
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$163,0009,612
1995-12-31 (YTD Data)Rank
Total interest income$1,384,00010,708
Total interest expense$292,00011,592
Net interest income$1,092,0009,651
Provision for loan and lease losses$49,0006,287
Total noninterest income$244,0007,777
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$227,0005,229
Trading account gains and feesNANA
Additional Noninterest Income$17,00011,076
Total noninterest expense$1,037,0008,807
Salaries and employee benefits$462,0009,434
Premises and equipment expense$127,0008,867
Additional noninterest expense$448,0007,728
Pre-tax net operating income$250,00010,114
Securities gains (losses)$03,831
Applicable income taxes$3,00011,058
Income before extraordinary items$247,0009,438
Extraordinary gains, net$065
Net income$247,0009,443
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$56,0004,931
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$247,0009,421
1994-12-31 (YTD Data)Rank
Total interest income$1,133,00011,467
Total interest expense$231,00012,257
Net interest income$902,00010,718
Provision for loan and lease losses$15,0008,073
Total noninterest income$268,0007,684
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0005,304
Trading account gains and feesNANA
Additional Noninterest Income$35,00010,473
Total noninterest expense$957,0009,520
Salaries and employee benefits$469,0009,664
Premises and equipment expense$108,0009,773
Additional noninterest expense$380,0009,039
Pre-tax net operating income$198,00010,906
Securities gains (losses)$03,600
Applicable income taxes$-20,00012,127
Income before extraordinary items$218,00010,055
Extraordinary gains, net$0249
Net income$218,00010,066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,977
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$218,00010,119
1993-12-31 (YTD Data)Rank
Total interest income$963,00012,367
Total interest expense$228,00012,912
Net interest income$735,00011,740
Provision for loan and lease losses$-30,00012,640
Total noninterest income$275,0007,997
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$137,0007,418
Trading account gains and feesNANA
Additional Noninterest Income$138,0006,833
Total noninterest expense$906,00010,167
Salaries and employee benefits$394,00010,699
Premises and equipment expense$110,00010,124
Additional noninterest expense$402,0009,251
Pre-tax net operating income$134,00011,602
Securities gains (losses)$07,477
Applicable income taxes$-11,00012,790
Income before extraordinary items$145,00011,267
Extraordinary gains, net$03,149
Net income$145,00011,351
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-21,00012,163
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$25,0001,055
Net operating income$145,00011,063
1992-12-31 (YTD Data)Rank
Total interest income$997,00013,031
Total interest expense$350,00013,356
Net interest income$647,00012,530
Provision for loan and lease losses$24,00010,335
Total noninterest income$306,0007,642
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$266,0004,900
Trading account gains and feesNANA
Additional Noninterest Income$40,00011,059
Total noninterest expense$887,00010,568
Salaries and employee benefits$412,00010,718
Premises and equipment expense$108,00010,453
Additional noninterest expense$367,0009,987
Pre-tax net operating income$42,00012,461
Securities gains (losses)$63,0003,745
Applicable income taxes$-5,00013,377
Income before extraordinary items$110,00011,805
Extraordinary gains, net$18,0001,254
Net income$128,00011,654
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0008,252
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$47,00012,322

* 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.