Home > EST National Bank > Income and Expense
EST National Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $36,812,000 | 953 |
| Total interest expense | $12,591,000 | 1,284 |
| Net interest income | $24,221,000 | 770 |
| Provision for loan and lease losses | $2,090,000 | 596 |
| Total noninterest income | $6,652,000 | 776 |
| Gross Fiduciary activities income | $963,000 | 518 |
| Service charges on deposit accounts | $2,914,000 | 478 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,775,000 | 931 |
| Total noninterest expense | $19,635,000 | 798 |
| Salaries and employee benefits | $6,402,000 | 1,045 |
| Premises and equipment expense | $2,600,000 | 831 |
| Additional noninterest expense | $10,633,000 | 640 |
| Pre-tax net operating income | $9,148,000 | 847 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,854,000 | 911 |
| Income before extraordinary items | $6,294,000 | 855 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,294,000 | 856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,550,000 | 674 |
| Cash dividends | $5,600,000 | 630 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,294,000 | 833 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $36,568,000 | 978 |
| Total interest expense | $13,155,000 | 1,257 |
| Net interest income | $23,413,000 | 815 |
| Provision for loan and lease losses | $1,351,000 | 756 |
| Total noninterest income | $5,282,000 | 922 |
| Gross Fiduciary activities income | $822,000 | 580 |
| Service charges on deposit accounts | $2,638,000 | 541 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,822,000 | 1,200 |
| Total noninterest expense | $19,371,000 | 805 |
| Salaries and employee benefits | $8,570,000 | 817 |
| Premises and equipment expense | $2,603,000 | 845 |
| Additional noninterest expense | $8,198,000 | 786 |
| Pre-tax net operating income | $7,973,000 | 982 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,434,000 | 1,069 |
| Income before extraordinary items | $5,539,000 | 964 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,539,000 | 964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $949,000 | 907 |
| Cash dividends | $7,500,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,539,000 | 957 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $33,896,000 | 940 |
| Total interest expense | $10,429,000 | 1,263 |
| Net interest income | $23,467,000 | 811 |
| Provision for loan and lease losses | $493,000 | 1,561 |
| Total noninterest income | $4,709,000 | 963 |
| Gross Fiduciary activities income | $658,000 | 647 |
| Service charges on deposit accounts | $2,530,000 | 552 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,521,000 | 1,370 |
| Total noninterest expense | $18,728,000 | 852 |
| Salaries and employee benefits | $8,620,000 | 799 |
| Premises and equipment expense | $2,168,000 | 989 |
| Additional noninterest expense | $7,940,000 | 827 |
| Pre-tax net operating income | $8,955,000 | 867 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,870,000 | 915 |
| Income before extraordinary items | $6,085,000 | 854 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,085,000 | 855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $560,000 | 1,280 |
| Cash dividends | $4,000,000 | 653 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,085,000 | 860 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $33,622,000 | 960 |
| Total interest expense | $11,044,000 | 1,233 |
| Net interest income | $22,578,000 | 834 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $4,663,000 | 1,035 |
| Gross Fiduciary activities income | $656,000 | 665 |
| Service charges on deposit accounts | $2,515,000 | 549 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,492,000 | 1,560 |
| Total noninterest expense | $17,971,000 | 915 |
| Salaries and employee benefits | $8,481,000 | 816 |
| Premises and equipment expense | $1,656,000 | 1,291 |
| Additional noninterest expense | $7,834,000 | 908 |
| Pre-tax net operating income | $9,020,000 | 811 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,968,000 | 867 |
| Income before extraordinary items | $6,052,000 | 868 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $6,052,000 | 902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,463 |
| Cash dividends | $6,100,000 | 400 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,052,000 | 816 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $37,029,000 | 999 |
| Total interest expense | $13,573,000 | 1,305 |
| Net interest income | $23,456,000 | 825 |
| Provision for loan and lease losses | $2,364,000 | 1,012 |
| Total noninterest income | $4,688,000 | 1,029 |
| Gross Fiduciary activities income | $509,000 | 758 |
| Service charges on deposit accounts | $2,450,000 | 556 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,729,000 | 1,377 |
| Total noninterest expense | $17,821,000 | 933 |
| Salaries and employee benefits | $8,444,000 | 808 |
| Premises and equipment expense | $1,697,000 | 1,297 |
| Additional noninterest expense | $7,680,000 | 949 |
| Pre-tax net operating income | $7,959,000 | 802 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,568,000 | 897 |
| Income before extraordinary items | $5,391,000 | 888 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,391,000 | 890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,055,000 | 943 |
| Cash dividends | $6,299,000 | 310 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,391,000 | 804 |
* 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.