Home > Exchange National Bank and Trust Company > Income and Expense
Exchange National Bank and Trust Company, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,279,000 | 2,283 |
| Total interest expense | $6,676,000 | 2,253 |
| Net interest income | $7,603,000 | 2,306 |
| Provision for loan and lease losses | $820,000 | 1,156 |
| Total noninterest income | $1,570,000 | 2,117 |
| Gross Fiduciary activities income | $495,000 | 659 |
| Service charges on deposit accounts | $793,000 | 1,641 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $282,000 | 4,072 |
| Total noninterest expense | $5,760,000 | 2,241 |
| Salaries and employee benefits | $2,918,000 | 2,266 |
| Premises and equipment expense | $935,000 | 2,105 |
| Additional noninterest expense | $1,907,000 | 2,194 |
| Pre-tax net operating income | $2,593,000 | 2,825 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $729,000 | 3,136 |
| Income before extraordinary items | $1,864,000 | 2,744 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,864,000 | 2,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $620,000 | 1,130 |
| Cash dividends | $1,661,000 | 1,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,864,000 | 2,692 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,076,000 | 2,370 |
| Total interest expense | $6,616,000 | 2,333 |
| Net interest income | $7,460,000 | 2,413 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $1,446,000 | 2,362 |
| Gross Fiduciary activities income | $442,000 | 737 |
| Service charges on deposit accounts | $738,000 | 1,839 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $266,000 | 4,378 |
| Total noninterest expense | $5,467,000 | 2,505 |
| Salaries and employee benefits | $2,869,000 | 2,315 |
| Premises and equipment expense | $922,000 | 2,161 |
| Additional noninterest expense | $1,676,000 | 2,843 |
| Pre-tax net operating income | $3,349,000 | 2,139 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $1,000,000 | 2,346 |
| Income before extraordinary items | $2,352,000 | 2,109 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,352,000 | 2,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 2,114 |
| Cash dividends | $2,320,000 | 1,156 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,349,900 | 2,064 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,882,000 | 2,411 |
| Total interest expense | $6,568,000 | 2,367 |
| Net interest income | $7,314,000 | 2,454 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,355,000 | 2,461 |
| Gross Fiduciary activities income | $370,000 | 824 |
| Service charges on deposit accounts | $792,000 | 1,713 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $193,000 | 5,232 |
| Total noninterest expense | $5,339,000 | 2,543 |
| Salaries and employee benefits | $2,780,000 | 2,389 |
| Premises and equipment expense | $904,000 | 2,216 |
| Additional noninterest expense | $1,655,000 | 2,808 |
| Pre-tax net operating income | $3,330,000 | 2,207 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $992,000 | 2,400 |
| Income before extraordinary items | $2,339,000 | 2,168 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,339,000 | 2,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,162 |
| Cash dividends | $2,550,000 | 1,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,338,300 | 2,131 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,428,000 | 2,441 |
| Total interest expense | $5,020,000 | 2,451 |
| Net interest income | $7,408,000 | 2,440 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,583,000 | 2,198 |
| Gross Fiduciary activities income | $332,000 | 863 |
| Service charges on deposit accounts | $863,000 | 1,570 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $388,000 | 3,475 |
| Total noninterest expense | $5,666,000 | 2,480 |
| Salaries and employee benefits | $2,908,000 | 2,300 |
| Premises and equipment expense | $556,000 | 3,482 |
| Additional noninterest expense | $2,202,000 | 2,386 |
| Pre-tax net operating income | $3,325,000 | 2,142 |
| Securities gains (losses) | $15,000 | 1,966 |
| Applicable income taxes | $1,019,000 | 2,198 |
| Income before extraordinary items | $2,321,000 | 2,103 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,321,000 | 2,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,238 |
| Cash dividends | $370,000 | 3,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,310,650 | 2,132 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,147,000 | 3,038 |
| Total interest expense | $3,704,000 | 3,403 |
| Net interest income | $6,443,000 | 2,811 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,302,000 | 2,736 |
| Gross Fiduciary activities income | $360,000 | 876 |
| Service charges on deposit accounts | $642,000 | 2,132 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $300,000 | 4,467 |
| Total noninterest expense | $4,780,000 | 2,966 |
| Salaries and employee benefits | $2,311,000 | 2,851 |
| Premises and equipment expense | $515,000 | 3,759 |
| Additional noninterest expense | $1,954,000 | 2,789 |
| Pre-tax net operating income | $2,965,000 | 2,315 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $989,000 | 2,283 |
| Income before extraordinary items | $1,989,000 | 2,536 |
| Extraordinary gains, net | $382,000 | 582 |
| Net income | $2,371,000 | 2,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 12,866 |
| Cash dividends | $1,062,000 | 1,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,980,290 | 2,394 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,639,000 | 3,292 |
| Total interest expense | $4,204,000 | 3,895 |
| Net interest income | $6,435,000 | 2,846 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $1,143,000 | 2,974 |
| Gross Fiduciary activities income | $267,000 | 998 |
| Service charges on deposit accounts | $583,000 | 2,368 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $293,000 | 4,496 |
| Total noninterest expense | $4,494,000 | 3,162 |
| Salaries and employee benefits | $2,208,000 | 2,926 |
| Premises and equipment expense | $672,000 | 3,029 |
| Additional noninterest expense | $1,614,000 | 3,385 |
| Pre-tax net operating income | $2,964,000 | 2,096 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $973,000 | 2,162 |
| Income before extraordinary items | $1,992,000 | 2,305 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,992,000 | 2,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 4,763 |
| Cash dividends | $825,000 | 1,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,991,330 | 2,132 |
* 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.