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Granger State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$556,00010,191
Total interest expense$271,00010,103
Net interest income$285,00010,215
Provision for loan and lease losses$27,0007,449
Total noninterest income$39,0009,987
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$35,0008,408
Trading account gains and feesNANA
Additional Noninterest Income$4,00010,240
Total noninterest expense$215,00010,362
Salaries and employee benefits$110,00010,352
Premises and equipment expense$26,00010,237
Additional noninterest expense$79,00010,271
Pre-tax net operating income$82,0009,487
Securities gains (losses)$04,449
Applicable income taxes$7,0009,157
Income before extraordinary items$75,0009,493
Extraordinary gains, net$032
Net income$75,0009,492
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0005,015
Cash dividends$20,0007,249
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$75,0009,425
1997-12-31 (YTD Data)Rank
Total interest income$548,00010,682
Total interest expense$253,00010,594
Net interest income$295,00010,688
Provision for loan and lease losses$122,0004,599
Total noninterest income$57,00010,156
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$50,0008,425
Trading account gains and feesNANA
Additional Noninterest Income$7,00010,577
Total noninterest expense$210,00010,816
Salaries and employee benefits$105,00010,813
Premises and equipment expense$26,00010,678
Additional noninterest expense$79,00010,703
Pre-tax net operating income$20,00010,320
Securities gains (losses)$03,944
Applicable income taxes$29,0009,573
Income before extraordinary items$-9,00010,418
Extraordinary gains, net$044
Net income$-9,00010,420
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$56,0004,933
Cash dividends$111,0006,345
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-9,00010,381
1996-12-31 (YTD Data)Rank
Total interest income$490,00011,267
Total interest expense$208,00011,224
Net interest income$282,00011,250
Provision for loan and lease losses$09,041
Total noninterest income$56,00010,746
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$53,0008,756
Trading account gains and feesNANA
Additional Noninterest Income$3,00011,282
Total noninterest expense$198,00011,370
Salaries and employee benefits$103,00011,354
Premises and equipment expense$23,00011,257
Additional noninterest expense$72,00011,292
Pre-tax net operating income$140,00010,143
Securities gains (losses)$04,148
Applicable income taxes$50,0009,685
Income before extraordinary items$90,00010,310
Extraordinary gains, net$053
Net income$90,00010,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,612
Cash dividends$100,0006,641
Sale, conversion, retirement of capital stock, net$0953
Net operating income$90,00010,263
1995-12-31 (YTD Data)Rank
Total interest income$396,00011,834
Total interest expense$153,00011,810
Net interest income$243,00011,818
Provision for loan and lease losses$08,958
Total noninterest income$45,00011,437
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$43,0009,448
Trading account gains and feesNANA
Additional Noninterest Income$2,00011,869
Total noninterest expense$149,00011,924
Salaries and employee benefits$86,00011,897
Premises and equipment expense$11,00011,891
Additional noninterest expense$52,00011,891
Pre-tax net operating income$139,00010,839
Securities gains (losses)$03,831
Applicable income taxes$39,00010,400
Income before extraordinary items$100,00010,931
Extraordinary gains, net$065
Net income$100,00010,932
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,00010,260
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$100,00010,907
1994-12-31 (YTD Data)Rank
Total interest income$318,00012,511
Total interest expense$106,00012,506
Net interest income$212,00012,498
Provision for loan and lease losses$09,146
Total noninterest income$68,00011,535
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$68,0009,072
Trading account gains and feesNANA
Additional Noninterest Income$012,536
Total noninterest expense$230,00012,481
Salaries and employee benefits$187,00012,151
Premises and equipment expense$24,00012,357
Additional noninterest expense$19,00012,593
Pre-tax net operating income$50,00011,910
Securities gains (losses)$03,600
Applicable income taxes$14,00011,286
Income before extraordinary items$36,00011,884
Extraordinary gains, net$0249
Net income$36,00011,884
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0009,875
Cash dividends$4,0008,886
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$36,00011,923
1993-12-31 (YTD Data)Rank
Total interest income$303,00013,180
Total interest expense$112,00013,159
Net interest income$191,00013,140
Provision for loan and lease losses$17,0009,280
Total noninterest income$50,00012,542
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$50,00010,068
Trading account gains and feesNANA
Additional Noninterest Income$013,212
Total noninterest expense$191,00013,189
Salaries and employee benefits$137,00013,057
Premises and equipment expense$40,00012,537
Additional noninterest expense$14,00013,270
Pre-tax net operating income$33,00012,258
Securities gains (losses)$07,477
Applicable income taxes$9,00011,851
Income before extraordinary items$24,00012,403
Extraordinary gains, net$03,149
Net income$24,00012,427
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0008,297
Cash dividends$4,0009,023
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$24,00012,273
1992-12-31 (YTD Data)Rank
Total interest income$338,00013,809
Total interest expense$146,00013,781
Net interest income$192,00013,783
Provision for loan and lease losses$8,00011,328
Total noninterest income$41,00013,319
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$41,00010,666
Trading account gains and feesNANA
Additional Noninterest Income$013,866
Total noninterest expense$178,00013,831
Salaries and employee benefits$131,00013,674
Premises and equipment expense$39,00013,096
Additional noninterest expense$8,00013,919
Pre-tax net operating income$47,00012,432
Securities gains (losses)$08,369
Applicable income taxes$23,00012,027
Income before extraordinary items$24,00012,750
Extraordinary gains, net$01,422
Net income$24,00012,747
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,00010,157
Cash dividends$4,0008,850
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$24,00012,515

* 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.