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Lincolnland Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$10,220,0003,175
Total interest expense$4,131,0003,556
Net interest income$6,089,0002,864
Provision for loan and lease losses$402,0002,084
Total noninterest income$725,0003,872
Gross Fiduciary activities income$14,0001,312
Service charges on deposit accounts$461,0002,835
Trading account gains and fees$0239
Additional Noninterest Income$250,0004,364
Total noninterest expense$3,081,0004,013
Salaries and employee benefits$1,611,0003,996
Premises and equipment expense$340,0005,014
Additional noninterest expense$1,130,0003,524
Pre-tax net operating income$3,331,0002,267
Securities gains (losses)$20,0001,883
Applicable income taxes$1,167,0002,137
Income before extraordinary items$2,184,0002,385
Extraordinary gains, net$044
Net income$2,184,0002,385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$321,0001,872
Cash dividends$2,380,0001,130
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,171,0002,340
1996-12-31 (YTD Data)Rank
Total interest income$10,220,0003,216
Total interest expense$4,330,0003,445
Net interest income$5,890,0003,011
Provision for loan and lease losses$1,250,000861
Total noninterest income$653,0004,304
Gross Fiduciary activities income$7,0001,430
Service charges on deposit accounts$422,0003,188
Trading account gains and fees$0262
Additional Noninterest Income$224,0004,874
Total noninterest expense$3,144,0004,148
Salaries and employee benefits$1,726,0003,812
Premises and equipment expense$351,0005,008
Additional noninterest expense$1,067,0004,177
Pre-tax net operating income$2,149,0003,223
Securities gains (losses)$16,0002,154
Applicable income taxes$687,0003,225
Income before extraordinary items$1,478,0003,227
Extraordinary gains, net$053
Net income$1,478,0003,226
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$689,0001,129
Cash dividends$3,540,000842
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,467,1203,222
1995-12-31 (YTD Data)Rank
Total interest income$8,497,0003,801
Total interest expense$3,492,0004,167
Net interest income$5,005,0003,533
Provision for loan and lease losses$-55,00011,613
Total noninterest income$561,0004,801
Gross Fiduciary activities income$5,0001,518
Service charges on deposit accounts$368,0003,602
Trading account gains and fees$0522
Additional Noninterest Income$188,0005,298
Total noninterest expense$3,389,0003,860
Salaries and employee benefits$1,974,0003,348
Premises and equipment expense$350,0005,024
Additional noninterest expense$1,065,0004,144
Pre-tax net operating income$2,232,0003,174
Securities gains (losses)$8,0002,536
Applicable income taxes$702,0003,230
Income before extraordinary items$1,538,0003,173
Extraordinary gains, net$065
Net income$1,538,0003,170
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,0004,422
Cash dividends$2,030,0001,209
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,532,4803,171
1994-12-31 (YTD Data)Rank
Total interest income$7,472,0003,978
Total interest expense$2,784,0004,232
Net interest income$4,688,0003,778
Provision for loan and lease losses$09,146
Total noninterest income$485,0005,402
Gross Fiduciary activities income$9,0001,479
Service charges on deposit accounts$350,0003,842
Trading account gains and fees$0475
Additional Noninterest Income$126,0006,774
Total noninterest expense$3,365,0003,979
Salaries and employee benefits$1,798,0003,618
Premises and equipment expense$391,0004,674
Additional noninterest expense$1,176,0004,122
Pre-tax net operating income$1,808,0003,731
Securities gains (losses)$5,0002,624
Applicable income taxes$493,0004,102
Income before extraordinary items$1,320,0003,542
Extraordinary gains, net$0249
Net income$1,320,0003,550
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$55,0004,946
Cash dividends$1,655,0001,297
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,316,3503,591
1993-12-31 (YTD Data)Rank
Total interest income$7,490,0004,049
Total interest expense$3,006,0004,108
Net interest income$4,484,0003,954
Provision for loan and lease losses$90,0006,008
Total noninterest income$491,0005,674
Gross Fiduciary activities income$24,0001,428
Service charges on deposit accounts$321,0004,182
Trading account gains and fees$0532
Additional Noninterest Income$146,0006,644
Total noninterest expense$2,982,0004,536
Salaries and employee benefits$1,577,0004,085
Premises and equipment expense$344,0005,303
Additional noninterest expense$1,061,0004,681
Pre-tax net operating income$1,903,0003,484
Securities gains (losses)$196,0001,719
Applicable income taxes$601,0003,601
Income before extraordinary items$1,498,0003,258
Extraordinary gains, net$03,149
Net income$1,498,0003,354
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0009,413
Cash dividends$1,081,0001,637
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,358,8403,363

* 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.