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Independent Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,098,000 | 4,787 |
| Total interest expense | $1,624,000 | 6,546 |
| Net interest income | $4,474,000 | 3,939 |
| Provision for loan and lease losses | $435,000 | 1,710 |
| Total noninterest income | $1,356,000 | 2,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,084,000 | 1,225 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,365 |
| Total noninterest expense | $4,620,000 | 2,984 |
| Salaries and employee benefits | $2,280,000 | 2,906 |
| Premises and equipment expense | $866,000 | 2,334 |
| Additional noninterest expense | $1,474,000 | 3,362 |
| Pre-tax net operating income | $775,000 | 7,010 |
| Securities gains (losses) | $-584,000 | 12,288 |
| Applicable income taxes | $80,000 | 9,807 |
| Income before extraordinary items | $111,000 | 11,269 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $111,000 | 11,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 1,562 |
| Cash dividends | $153,000 | 6,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $484,760 | 7,471 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,019,000 | 4,935 |
| Total interest expense | $1,558,000 | 7,025 |
| Net interest income | $4,461,000 | 3,979 |
| Provision for loan and lease losses | $740,000 | 1,598 |
| Total noninterest income | $1,353,000 | 2,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,148,000 | 1,165 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 5,584 |
| Total noninterest expense | $4,528,000 | 3,101 |
| Salaries and employee benefits | $2,057,000 | 3,194 |
| Premises and equipment expense | $808,000 | 2,539 |
| Additional noninterest expense | $1,663,000 | 3,210 |
| Pre-tax net operating income | $546,000 | 8,328 |
| Securities gains (losses) | $68,000 | 3,011 |
| Applicable income taxes | $214,000 | 7,358 |
| Income before extraordinary items | $400,000 | 8,440 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $400,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $726,000 | 1,407 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $355,800 | 8,621 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,640,000 | 5,052 |
| Total interest expense | $2,321,000 | 6,355 |
| Net interest income | $4,319,000 | 4,160 |
| Provision for loan and lease losses | $930,000 | 1,924 |
| Total noninterest income | $1,267,000 | 2,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,077,000 | 1,236 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,835 |
| Total noninterest expense | $4,152,000 | 3,389 |
| Salaries and employee benefits | $2,029,000 | 3,178 |
| Premises and equipment expense | $767,000 | 2,702 |
| Additional noninterest expense | $1,356,000 | 3,907 |
| Pre-tax net operating income | $504,000 | 8,384 |
| Securities gains (losses) | $246,000 | 1,744 |
| Applicable income taxes | $253,000 | 6,602 |
| Income before extraordinary items | $497,000 | 7,362 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $497,000 | 7,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $991,000 | 1,569 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $334,640 | 8,519 |
* 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.