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Exchange Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$6,246,0004,855
Total interest expense$2,955,0004,785
Net interest income$3,291,0004,818
Provision for loan and lease losses$40,0006,927
Total noninterest income$1,277,0002,558
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0004,713
Trading account gains and feesNANA
Additional Noninterest Income$1,044,0001,796
Total noninterest expense$2,267,0005,104
Salaries and employee benefits$1,295,0004,779
Premises and equipment expense$296,0005,419
Additional noninterest expense$676,0005,301
Pre-tax net operating income$2,261,0003,021
Securities gains (losses)$04,449
Applicable income taxes$742,0002,902
Income before extraordinary items$1,519,0003,221
Extraordinary gains, net$032
Net income$1,519,0003,222
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,759
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,519,0003,127
1997-12-31 (YTD Data)Rank
Total interest income$5,672,0005,282
Total interest expense$2,704,0005,098
Net interest income$2,968,0005,345
Provision for loan and lease losses$48,0006,747
Total noninterest income$868,0003,381
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$195,0005,414
Trading account gains and feesNANA
Additional Noninterest Income$673,0002,279
Total noninterest expense$2,063,0005,533
Salaries and employee benefits$1,204,0005,083
Premises and equipment expense$240,0006,210
Additional noninterest expense$619,0005,688
Pre-tax net operating income$1,725,0003,994
Securities gains (losses)$03,944
Applicable income taxes$621,0003,566
Income before extraordinary items$1,104,0004,351
Extraordinary gains, net$044
Net income$1,104,0004,352
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,093
Cash dividends$300,0004,516
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,104,0004,280
1996-12-31 (YTD Data)Rank
Total interest income$5,065,0005,882
Total interest expense$2,382,0005,703
Net interest income$2,683,0005,903
Provision for loan and lease losses$48,0006,700
Total noninterest income$793,0003,740
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$154,0006,406
Trading account gains and feesNANA
Additional Noninterest Income$639,0002,452
Total noninterest expense$1,689,0006,630
Salaries and employee benefits$1,033,0005,861
Premises and equipment expense$187,0007,278
Additional noninterest expense$469,0007,313
Pre-tax net operating income$1,739,0003,830
Securities gains (losses)$04,148
Applicable income taxes$622,0003,482
Income before extraordinary items$1,117,0004,109
Extraordinary gains, net$053
Net income$1,117,0004,110
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$225,0005,172
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,117,0004,059
1995-12-31 (YTD Data)Rank
Total interest income$4,361,0006,609
Total interest expense$1,950,0006,586
Net interest income$2,411,0006,461
Provision for loan and lease losses$24,0007,406
Total noninterest income$469,0005,412
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$134,0007,003
Trading account gains and feesNANA
Additional Noninterest Income$335,0003,733
Total noninterest expense$1,569,0007,068
Salaries and employee benefits$931,0006,394
Premises and equipment expense$180,0007,598
Additional noninterest expense$458,0007,629
Pre-tax net operating income$1,287,0005,004
Securities gains (losses)$03,831
Applicable income taxes$410,0004,867
Income before extraordinary items$877,0005,088
Extraordinary gains, net$065
Net income$877,0005,089
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,876
Cash dividends$300,0004,483
Sale, conversion, retirement of capital stock, net$0809
Net operating income$877,0005,078
1994-12-31 (YTD Data)Rank
Total interest income$3,437,0007,432
Total interest expense$1,217,0007,828
Net interest income$2,220,0007,041
Provision for loan and lease losses$127,0003,933
Total noninterest income$465,0005,551
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$117,0007,668
Trading account gains and feesNANA
Additional Noninterest Income$348,0003,735
Total noninterest expense$1,450,0007,764
Salaries and employee benefits$818,0007,102
Premises and equipment expense$162,0008,250
Additional noninterest expense$470,0008,154
Pre-tax net operating income$1,108,0005,543
Securities gains (losses)$-4,0009,291
Applicable income taxes$352,0005,249
Income before extraordinary items$752,0005,602
Extraordinary gains, net$0249
Net income$752,0005,619
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,447
Cash dividends$300,0004,418
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$754,7205,658
1993-12-31 (YTD Data)Rank
Total interest income$3,050,0008,249
Total interest expense$1,071,0008,795
Net interest income$1,979,0007,741
Provision for loan and lease losses$30,0008,397
Total noninterest income$458,0005,917
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$95,0008,525
Trading account gains and feesNANA
Additional Noninterest Income$363,0004,014
Total noninterest expense$1,211,0008,844
Salaries and employee benefits$688,0008,079
Premises and equipment expense$133,0009,383
Additional noninterest expense$390,0009,368
Pre-tax net operating income$1,196,0005,190
Securities gains (losses)$7,0005,826
Applicable income taxes$402,0004,986
Income before extraordinary items$801,0005,566
Extraordinary gains, net$03,149
Net income$801,0005,700
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0008,555
Cash dividends$470,0003,266
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$796,3105,357
1992-12-31 (YTD Data)Rank
Total interest income$2,872,0009,204
Total interest expense$1,150,0009,791
Net interest income$1,722,0008,589
Provision for loan and lease losses$61,0008,508
Total noninterest income$322,0007,436
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$78,0009,234
Trading account gains and feesNANA
Additional Noninterest Income$244,0005,037
Total noninterest expense$907,00010,441
Salaries and employee benefits$497,0009,808
Premises and equipment expense$90,00011,109
Additional noninterest expense$320,00010,554
Pre-tax net operating income$1,076,0005,349
Securities gains (losses)$08,369
Applicable income taxes$350,0005,355
Income before extraordinary items$726,0005,777
Extraordinary gains, net$01,422
Net income$726,0005,844
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0009,788
Cash dividends$180,0005,316
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$726,0005,431

* 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.