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Island National Bank and Trust Company, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$8,015,0004,024
Total interest expense$2,780,0005,106
Net interest income$5,235,0003,394
Provision for loan and lease losses$85,0005,471
Total noninterest income$2,164,0001,722
Gross Fiduciary activities income$833,000563
Service charges on deposit accounts$162,0006,245
Trading account gains and fees$0262
Additional Noninterest Income$1,169,0001,632
Total noninterest expense$6,455,0002,136
Salaries and employee benefits$2,921,0002,270
Premises and equipment expense$1,581,0001,295
Additional noninterest expense$1,953,0002,513
Pre-tax net operating income$859,0006,254
Securities gains (losses)$-7,00010,114
Applicable income taxes$63,0009,453
Income before extraordinary items$789,0005,360
Extraordinary gains, net$053
Net income$789,0005,363
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,00010,561
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$795,5105,270
1995-12-31 (YTD Data)Rank
Total interest income$8,275,0003,891
Total interest expense$3,052,0004,686
Net interest income$5,223,0003,390
Provision for loan and lease losses$121,0004,076
Total noninterest income$1,946,0001,878
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$224,0005,277
Trading account gains and feesNANA
Additional Noninterest Income$1,722,0001,254
Total noninterest expense$6,348,0002,163
Salaries and employee benefits$2,838,0002,336
Premises and equipment expense$1,468,0001,406
Additional noninterest expense$2,042,0002,361
Pre-tax net operating income$700,0007,329
Securities gains (losses)$03,831
Applicable income taxes$-244,00011,811
Income before extraordinary items$944,0004,808
Extraordinary gains, net$065
Net income$944,0004,807
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$124,0003,316
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$944,0004,802
1994-12-31 (YTD Data)Rank
Total interest income$6,697,0004,400
Total interest expense$2,240,0005,096
Net interest income$4,457,0003,954
Provision for loan and lease losses$09,146
Total noninterest income$1,802,0001,977
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$208,0005,708
Trading account gains and feesNANA
Additional Noninterest Income$1,594,0001,316
Total noninterest expense$5,840,0002,402
Salaries and employee benefits$2,728,0002,453
Premises and equipment expense$1,224,0001,692
Additional noninterest expense$1,888,0002,705
Pre-tax net operating income$419,0009,213
Securities gains (losses)$03,600
Applicable income taxes$-150,00012,353
Income before extraordinary items$569,0006,771
Extraordinary gains, net$0249
Net income$569,0006,785
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-18,00011,188
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$569,0006,822
1993-12-31 (YTD Data)Rank
Total interest income$5,765,0005,142
Total interest expense$2,011,0005,804
Net interest income$3,754,0004,659
Provision for loan and lease losses$192,0004,009
Total noninterest income$1,988,0001,987
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$187,0006,233
Trading account gains and feesNANA
Additional Noninterest Income$1,801,0001,356
Total noninterest expense$5,319,0002,693
Salaries and employee benefits$2,473,0002,674
Premises and equipment expense$1,248,0001,676
Additional noninterest expense$1,598,0003,314
Pre-tax net operating income$231,00010,779
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$231,00010,259
Extraordinary gains, net$03,149
Net income$231,00010,389
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$174,0003,398
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$231,00010,012
1992-12-31 (YTD Data)Rank
Total interest income$5,253,0006,136
Total interest expense$1,856,0007,460
Net interest income$3,397,0005,140
Provision for loan and lease losses$1,540,0001,377
Total noninterest income$697,0004,427
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$150,0007,109
Trading account gains and feesNANA
Additional Noninterest Income$547,0003,012
Total noninterest expense$4,176,0003,371
Salaries and employee benefits$1,822,0003,510
Premises and equipment expense$973,0002,143
Additional noninterest expense$1,381,0003,838
Pre-tax net operating income$-1,622,00013,589
Securities gains (losses)$08,369
Applicable income taxes$012,680
Income before extraordinary items$-1,622,00013,639
Extraordinary gains, net$01,422
Net income$-1,622,00013,634
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,048,0001,515
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-1,622,00013,583

* 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.