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Jacobs Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$13,704,0002,377
Total interest expense$6,520,0002,312
Net interest income$7,184,0002,372
Provision for loan and lease losses$990,000985
Total noninterest income$1,071,0002,926
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$814,0001,554
Trading account gains and fees$0224
Additional Noninterest Income$257,0004,361
Total noninterest expense$4,943,0002,653
Salaries and employee benefits$2,288,0002,948
Premises and equipment expense$1,328,0001,479
Additional noninterest expense$1,327,0003,078
Pre-tax net operating income$2,322,0002,965
Securities gains (losses)$100,0001,273
Applicable income taxes$717,0002,970
Income before extraordinary items$1,705,0002,922
Extraordinary gains, net$032
Net income$1,705,0002,923
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,065,000718
Cash dividends$621,0003,062
Sale, conversion, retirement of capital stock, net$-22,00010,310
Net operating income$1,635,0002,950
1997-12-31 (YTD Data)Rank
Total interest income$13,462,0002,432
Total interest expense$6,315,0002,377
Net interest income$7,147,0002,432
Provision for loan and lease losses$225,0003,186
Total noninterest income$1,085,0002,856
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$809,0001,606
Trading account gains and fees$0239
Additional Noninterest Income$276,0004,114
Total noninterest expense$4,813,0002,660
Salaries and employee benefits$2,502,0002,642
Premises and equipment expense$708,0002,708
Additional noninterest expense$1,603,0002,562
Pre-tax net operating income$3,194,0002,351
Securities gains (losses)$133,000864
Applicable income taxes$805,0002,911
Income before extraordinary items$2,522,0002,095
Extraordinary gains, net$044
Net income$2,522,0002,094
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,00010,222
Cash dividends$602,0003,049
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,420,9202,118
1996-12-31 (YTD Data)Rank
Total interest income$12,630,0002,649
Total interest expense$6,230,0002,467
Net interest income$6,400,0002,760
Provision for loan and lease losses$955,0001,063
Total noninterest income$833,0003,593
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$603,0002,248
Trading account gains and fees$0262
Additional Noninterest Income$230,0004,788
Total noninterest expense$4,566,0002,975
Salaries and employee benefits$2,076,0003,221
Premises and equipment expense$779,0002,513
Additional noninterest expense$1,711,0002,802
Pre-tax net operating income$1,712,0003,890
Securities gains (losses)$144,000809
Applicable income taxes$-64,00011,112
Income before extraordinary items$1,920,0002,536
Extraordinary gains, net$053
Net income$1,920,0002,538
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$904,000959
Cash dividends$602,0003,007
Sale, conversion, retirement of capital stock, net$1,000935
Net operating income$1,776,0002,688
1995-12-31 (YTD Data)Rank
Total interest income$11,446,0002,913
Total interest expense$5,167,0002,948
Net interest income$6,279,0002,842
Provision for loan and lease losses$240,0002,643
Total noninterest income$775,0003,772
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$508,0002,674
Trading account gains and fees$0522
Additional Noninterest Income$267,0004,300
Total noninterest expense$4,272,0003,137
Salaries and employee benefits$1,913,0003,435
Premises and equipment expense$772,0002,574
Additional noninterest expense$1,587,0002,953
Pre-tax net operating income$2,542,0002,800
Securities gains (losses)$147,000788
Applicable income taxes$672,0003,358
Income before extraordinary items$2,017,0002,496
Extraordinary gains, net$065
Net income$2,017,0002,495
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$85,0004,093
Cash dividends$602,0002,902
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,906,7502,588
1994-12-31 (YTD Data)Rank
Total interest income$9,812,0003,085
Total interest expense$3,944,0003,094
Net interest income$5,868,0003,056
Provision for loan and lease losses$280,0002,395
Total noninterest income$545,0004,965
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$418,0003,254
Trading account gains and fees$0475
Additional Noninterest Income$127,0006,755
Total noninterest expense$3,987,0003,438
Salaries and employee benefits$1,736,0003,757
Premises and equipment expense$657,0002,997
Additional noninterest expense$1,594,0003,139
Pre-tax net operating income$2,146,0003,230
Securities gains (losses)$127,000676
Applicable income taxes$525,0003,914
Income before extraordinary items$1,748,0002,768
Extraordinary gains, net$0249
Net income$1,748,0002,770
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$208,0002,436
Cash dividends$602,0002,779
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,650,2102,944
1993-12-31 (YTD Data)Rank
Total interest income$8,816,0003,483
Total interest expense$3,231,0003,863
Net interest income$5,585,0003,231
Provision for loan and lease losses$165,0004,400
Total noninterest income$640,0004,738
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$435,0003,197
Trading account gains and fees$0532
Additional Noninterest Income$205,0005,584
Total noninterest expense$2,988,0004,528
Salaries and employee benefits$1,470,0004,352
Premises and equipment expense$524,0003,708
Additional noninterest expense$994,0004,950
Pre-tax net operating income$3,072,0002,216
Securities gains (losses)$-9,00012,743
Applicable income taxes$770,0002,838
Income before extraordinary items$2,293,0002,184
Extraordinary gains, net$03,149
Net income$2,293,0002,270
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$163,0003,518
Cash dividends$602,0002,620
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,299,7502,046
1992-12-31 (YTD Data)Rank
Total interest income$9,031,0003,847
Total interest expense$3,750,0004,298
Net interest income$5,281,0003,451
Provision for loan and lease losses$280,0004,302
Total noninterest income$586,0005,047
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$403,0003,458
Trading account gains and fees$0504
Additional Noninterest Income$183,0005,968
Total noninterest expense$2,925,0004,648
Salaries and employee benefits$1,421,0004,439
Premises and equipment expense$527,0003,795
Additional noninterest expense$977,0005,138
Pre-tax net operating income$2,662,0002,318
Securities gains (losses)$-53,00013,681
Applicable income taxes$715,0002,900
Income before extraordinary items$1,894,0002,415
Extraordinary gains, net$01,422
Net income$1,894,0002,460
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$238,0003,815
Cash dividends$402,0003,278
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,932,6902,197

* 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.