HNB Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,688,000 | 2,391 |
| Total interest expense | $5,714,000 | 2,580 |
| Net interest income | $7,974,000 | 2,199 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,066,000 | 2,951 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $742,000 | 1,785 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $324,000 | 3,841 |
| Total noninterest expense | $4,855,000 | 2,783 |
| Salaries and employee benefits | $1,986,000 | 3,464 |
| Premises and equipment expense | $568,000 | 3,415 |
| Additional noninterest expense | $2,301,000 | 1,892 |
| Pre-tax net operating income | $4,185,000 | 1,772 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,329,000 | 1,747 |
| Income before extraordinary items | $2,856,000 | 1,861 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,856,000 | 1,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,256 |
| Cash dividends | $780,000 | 2,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,856,000 | 1,829 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,988,000 | 2,327 |
| Total interest expense | $6,435,000 | 2,336 |
| Net interest income | $7,553,000 | 2,261 |
| Provision for loan and lease losses | $1,250,000 | 795 |
| Total noninterest income | $783,000 | 3,682 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $613,000 | 2,087 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $170,000 | 5,365 |
| Total noninterest expense | $5,106,000 | 2,550 |
| Salaries and employee benefits | $1,989,000 | 3,354 |
| Premises and equipment expense | $475,000 | 3,840 |
| Additional noninterest expense | $2,642,000 | 1,625 |
| Pre-tax net operating income | $1,980,000 | 3,372 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $589,000 | 3,451 |
| Income before extraordinary items | $1,391,000 | 3,456 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,391,000 | 3,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $556,000 | 1,166 |
| Cash dividends | $1,600,000 | 1,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,391,000 | 3,362 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,037,000 | 2,329 |
| Total interest expense | $5,970,000 | 2,500 |
| Net interest income | $8,067,000 | 2,178 |
| Provision for loan and lease losses | $1,320,000 | 798 |
| Total noninterest income | $788,000 | 3,617 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $471,000 | 2,780 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $317,000 | 3,807 |
| Total noninterest expense | $5,116,000 | 2,511 |
| Salaries and employee benefits | $1,931,000 | 3,417 |
| Premises and equipment expense | $597,000 | 3,171 |
| Additional noninterest expense | $2,588,000 | 1,648 |
| Pre-tax net operating income | $2,419,000 | 2,996 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $724,000 | 3,153 |
| Income before extraordinary items | $1,693,000 | 3,003 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,693,000 | 3,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $886,000 | 866 |
| Cash dividends | $1,600,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,694,400 | 2,945 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,592,000 | 2,455 |
| Total interest expense | $5,819,000 | 2,616 |
| Net interest income | $7,773,000 | 2,318 |
| Provision for loan and lease losses | $1,182,000 | 909 |
| Total noninterest income | $621,000 | 4,471 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $360,000 | 3,665 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $261,000 | 4,427 |
| Total noninterest expense | $4,866,000 | 2,810 |
| Salaries and employee benefits | $1,801,000 | 3,667 |
| Premises and equipment expense | $597,000 | 3,230 |
| Additional noninterest expense | $2,468,000 | 2,034 |
| Pre-tax net operating income | $2,346,000 | 2,975 |
| Securities gains (losses) | $-21,000 | 10,654 |
| Applicable income taxes | $742,000 | 3,045 |
| Income before extraordinary items | $1,583,000 | 3,027 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,583,000 | 3,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $834,000 | 994 |
| Cash dividends | $1,600,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,597,280 | 2,977 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,628,000 | 2,453 |
| Total interest expense | $5,535,000 | 2,769 |
| Net interest income | $8,093,000 | 2,225 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $969,000 | 3,177 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $406,000 | 3,316 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $563,000 | 2,657 |
| Total noninterest expense | $4,816,000 | 2,813 |
| Salaries and employee benefits | $1,964,000 | 3,361 |
| Premises and equipment expense | $687,000 | 2,864 |
| Additional noninterest expense | $2,165,000 | 2,252 |
| Pre-tax net operating income | $4,246,000 | 1,734 |
| Securities gains (losses) | $23,000 | 1,804 |
| Applicable income taxes | $1,396,000 | 1,759 |
| Income before extraordinary items | $2,873,000 | 1,762 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,873,000 | 1,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,606 |
| Cash dividends | $1,600,000 | 1,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,857,590 | 1,748 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,756,000 | 2,581 |
| Total interest expense | $4,001,000 | 3,059 |
| Net interest income | $7,755,000 | 2,321 |
| Provision for loan and lease losses | $440,000 | 1,701 |
| Total noninterest income | $583,000 | 4,759 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $361,000 | 3,727 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $222,000 | 4,938 |
| Total noninterest expense | $4,742,000 | 2,911 |
| Salaries and employee benefits | $1,740,000 | 3,743 |
| Premises and equipment expense | $525,000 | 3,647 |
| Additional noninterest expense | $2,477,000 | 2,149 |
| Pre-tax net operating income | $3,156,000 | 2,243 |
| Securities gains (losses) | $-151,000 | 11,795 |
| Applicable income taxes | $962,000 | 2,320 |
| Income before extraordinary items | $2,043,000 | 2,372 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,043,000 | 2,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,773 |
| Cash dividends | $1,600,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,145,680 | 2,292 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,064,000 | 3,065 |
| Total interest expense | $3,907,000 | 3,231 |
| Net interest income | $6,157,000 | 2,957 |
| Provision for loan and lease losses | $270,000 | 3,226 |
| Total noninterest income | $581,000 | 5,065 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $376,000 | 3,642 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $205,000 | 5,584 |
| Total noninterest expense | $3,372,000 | 4,054 |
| Salaries and employee benefits | $1,404,000 | 4,538 |
| Premises and equipment expense | $470,000 | 4,085 |
| Additional noninterest expense | $1,498,000 | 3,510 |
| Pre-tax net operating income | $3,096,000 | 2,202 |
| Securities gains (losses) | $55,000 | 3,253 |
| Applicable income taxes | $613,000 | 3,532 |
| Income before extraordinary items | $2,538,000 | 1,968 |
| Extraordinary gains, net | $300,000 | 714 |
| Net income | $2,838,000 | 1,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 5,182 |
| Cash dividends | $1,600,000 | 1,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,493,450 | 1,891 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,663,000 | 3,282 |
| Total interest expense | $4,668,000 | 3,519 |
| Net interest income | $5,995,000 | 3,053 |
| Provision for loan and lease losses | $276,000 | 4,334 |
| Total noninterest income | $601,000 | 4,951 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $345,000 | 3,965 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $256,000 | 4,891 |
| Total noninterest expense | $3,331,000 | 4,117 |
| Salaries and employee benefits | $1,233,000 | 5,036 |
| Premises and equipment expense | $447,000 | 4,382 |
| Additional noninterest expense | $1,651,000 | 3,312 |
| Pre-tax net operating income | $2,989,000 | 2,084 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $517,000 | 3,890 |
| Income before extraordinary items | $2,470,000 | 1,846 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,470,000 | 1,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $2,000,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,471,660 | 1,696 |
* 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.