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Laurel Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$17,701,0001,913
Total interest expense$5,706,0002,666
Net interest income$11,995,0001,487
Provision for loan and lease losses$692,0001,341
Total noninterest income$1,735,0002,062
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$858,0001,555
Trading account gains and fees$0262
Additional Noninterest Income$877,0001,984
Total noninterest expense$8,115,0001,750
Salaries and employee benefits$2,409,0002,787
Premises and equipment expense$1,151,0001,753
Additional noninterest expense$4,555,0001,229
Pre-tax net operating income$4,923,0001,464
Securities gains (losses)$04,148
Applicable income taxes$1,665,0001,450
Income before extraordinary items$3,258,0001,522
Extraordinary gains, net$053
Net income$3,258,0001,524
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$729,0001,081
Cash dividends$2,377,0001,144
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,258,0001,493
1995-12-31 (YTD Data)Rank
Total interest income$17,821,0001,905
Total interest expense$6,028,0002,542
Net interest income$11,793,0001,531
Provision for loan and lease losses$329,0002,150
Total noninterest income$1,307,0002,534
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$819,0001,649
Trading account gains and fees$0522
Additional Noninterest Income$488,0002,924
Total noninterest expense$8,128,0001,729
Salaries and employee benefits$2,789,0002,380
Premises and equipment expense$1,057,0001,928
Additional noninterest expense$4,282,0001,268
Pre-tax net operating income$4,643,0001,601
Securities gains (losses)$3,0003,092
Applicable income taxes$1,575,0001,581
Income before extraordinary items$3,071,0001,660
Extraordinary gains, net$065
Net income$3,071,0001,659
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$420,0001,548
Cash dividends$2,533,0001,048
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,069,0201,643
1994-12-31 (YTD Data)Rank
Total interest income$16,588,0001,855
Total interest expense$4,975,0002,474
Net interest income$11,613,0001,551
Provision for loan and lease losses$318,0002,163
Total noninterest income$1,163,0002,790
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$797,0001,693
Trading account gains and fees$0475
Additional Noninterest Income$366,0003,610
Total noninterest expense$8,073,0001,800
Salaries and employee benefits$3,140,0002,104
Premises and equipment expense$1,082,0001,889
Additional noninterest expense$3,851,0001,452
Pre-tax net operating income$4,385,0001,633
Securities gains (losses)$55,0001,094
Applicable income taxes$1,477,0001,579
Income before extraordinary items$2,963,0001,649
Extraordinary gains, net$0249
Net income$2,963,0001,648
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$156,0002,902
Cash dividends$2,042,0001,081
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,926,1501,677
1993-12-31 (YTD Data)Rank
Total interest income$16,942,0001,854
Total interest expense$5,635,0002,302
Net interest income$11,307,0001,592
Provision for loan and lease losses$565,0001,936
Total noninterest income$941,0003,503
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$802,0001,711
Trading account gains and fees$0532
Additional Noninterest Income$139,0006,809
Total noninterest expense$8,041,0001,853
Salaries and employee benefits$3,189,0002,078
Premises and equipment expense$1,050,0001,966
Additional noninterest expense$3,802,0001,588
Pre-tax net operating income$3,642,0001,874
Securities gains (losses)$07,477
Applicable income taxes$1,125,0002,033
Income before extraordinary items$2,517,0001,988
Extraordinary gains, net$03,149
Net income$2,517,0002,059
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$510,0001,738
Cash dividends$1,961,0001,057
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,517,0001,875
1992-12-31 (YTD Data)Rank
Total interest income$18,033,0001,972
Total interest expense$7,035,0002,392
Net interest income$10,998,0001,674
Provision for loan and lease losses$601,0002,613
Total noninterest income$940,0003,488
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$749,0001,807
Trading account gains and fees$0504
Additional Noninterest Income$191,0005,818
Total noninterest expense$7,850,0001,919
Salaries and employee benefits$3,042,0002,157
Premises and equipment expense$1,088,0001,944
Additional noninterest expense$3,720,0001,677
Pre-tax net operating income$3,487,0001,773
Securities gains (losses)$20,0005,594
Applicable income taxes$1,073,0001,977
Income before extraordinary items$2,434,0001,874
Extraordinary gains, net$01,422
Net income$2,434,0001,899
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$415,0002,762
Cash dividends$1,855,000918
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,420,2001,730

* 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.