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Frontier Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$7,498,0004,282
Total interest expense$2,130,0006,164
Net interest income$5,368,0003,299
Provision for loan and lease losses$09,041
Total noninterest income$1,321,0002,512
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$434,0003,101
Trading account gains and fees$0262
Additional Noninterest Income$887,0001,967
Total noninterest expense$4,995,0002,745
Salaries and employee benefits$2,040,0003,279
Premises and equipment expense$708,0002,762
Additional noninterest expense$2,247,0002,216
Pre-tax net operating income$1,694,0003,941
Securities gains (losses)$-86,00011,166
Applicable income taxes$798,0002,852
Income before extraordinary items$810,0005,257
Extraordinary gains, net$053
Net income$810,0005,258
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$486,0001,459
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$865,0404,955
1995-12-31 (YTD Data)Rank
Total interest income$7,182,0004,454
Total interest expense$2,381,0005,768
Net interest income$4,801,0003,671
Provision for loan and lease losses$115,0004,295
Total noninterest income$976,0003,155
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$264,0004,757
Trading account gains and fees$0522
Additional Noninterest Income$712,0002,258
Total noninterest expense$5,155,0002,630
Salaries and employee benefits$2,085,0003,177
Premises and equipment expense$799,0002,475
Additional noninterest expense$2,271,0002,175
Pre-tax net operating income$507,0008,397
Securities gains (losses)$03,831
Applicable income taxes$-801,00011,892
Income before extraordinary items$1,308,0003,661
Extraordinary gains, net$065
Net income$1,308,0003,658
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$800,0001,029
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,308,0003,638
1994-12-31 (YTD Data)Rank
Total interest income$7,294,0004,076
Total interest expense$2,188,0005,189
Net interest income$5,106,0003,488
Provision for loan and lease losses$1,375,000754
Total noninterest income$687,0004,183
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$336,0003,972
Trading account gains and fees$0475
Additional Noninterest Income$351,0003,713
Total noninterest expense$4,892,0002,833
Salaries and employee benefits$1,640,0003,945
Premises and equipment expense$884,0002,281
Additional noninterest expense$2,368,0002,232
Pre-tax net operating income$-474,00012,375
Securities gains (losses)$03,600
Applicable income taxes$303,0005,839
Income before extraordinary items$-777,00012,401
Extraordinary gains, net$792,00018
Net income$15,00011,985
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,703,000633
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-777,00012,401
1993-12-31 (YTD Data)Rank
Total interest income$7,682,0003,964
Total interest expense$2,785,0004,393
Net interest income$4,897,0003,636
Provision for loan and lease losses$1,715,000898
Total noninterest income$848,0003,806
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$409,0003,373
Trading account gains and fees$0532
Additional Noninterest Income$439,0003,546
Total noninterest expense$5,794,0002,466
Salaries and employee benefits$1,482,0004,323
Premises and equipment expense$981,0002,089
Additional noninterest expense$3,331,0001,758
Pre-tax net operating income$-1,764,00013,060
Securities gains (losses)$46,0003,527
Applicable income taxes$-96,00012,951
Income before extraordinary items$-1,622,00013,065
Extraordinary gains, net$03,149
Net income$-1,622,00013,067
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$447,0001,912
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-1,665,24013,041
1992-12-31 (YTD Data)Rank
Total interest income$9,091,0003,828
Total interest expense$4,115,0003,974
Net interest income$4,976,0003,653
Provision for loan and lease losses$1,039,0001,792
Total noninterest income$1,283,0002,706
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$318,0004,248
Trading account gains and fees$0504
Additional Noninterest Income$965,0002,058
Total noninterest expense$6,388,0002,290
Salaries and employee benefits$1,787,0003,585
Premises and equipment expense$1,468,0001,458
Additional noninterest expense$3,133,0001,929
Pre-tax net operating income$-1,168,00013,509
Securities gains (losses)$08,369
Applicable income taxes$-444,00013,744
Income before extraordinary items$-724,00013,471
Extraordinary gains, net$01,422
Net income$-724,00013,468
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$816,0001,795
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-724,00013,387

* 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.