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Lufkin National Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$9,523,0003,394
Total interest expense$4,046,0003,636
Net interest income$5,477,0003,190
Provision for loan and lease losses$264,0002,856
Total noninterest income$1,874,0001,866
Gross Fiduciary activities income$392,000740
Service charges on deposit accounts$843,0001,543
Trading account gains and fees$0239
Additional Noninterest Income$639,0002,371
Total noninterest expense$4,296,0002,964
Salaries and employee benefits$1,839,0003,563
Premises and equipment expense$492,0003,759
Additional noninterest expense$1,965,0002,127
Pre-tax net operating income$2,791,0002,654
Securities gains (losses)$-1,0009,009
Applicable income taxes$707,0003,213
Income before extraordinary items$2,083,0002,495
Extraordinary gains, net$044
Net income$2,083,0002,494
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$180,0002,708
Cash dividends$1,150,0001,951
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,083,7502,437
1996-12-31 (YTD Data)Rank
Total interest income$9,176,0003,549
Total interest expense$4,273,0003,489
Net interest income$4,903,0003,594
Provision for loan and lease losses$173,0003,789
Total noninterest income$1,307,0002,528
Gross Fiduciary activities income$329,000831
Service charges on deposit accounts$718,0001,894
Trading account gains and fees$0262
Additional Noninterest Income$260,0004,436
Total noninterest expense$3,867,0003,447
Salaries and employee benefits$1,800,0003,670
Premises and equipment expense$438,0004,216
Additional noninterest expense$1,629,0002,921
Pre-tax net operating income$2,170,0003,194
Securities gains (losses)$04,148
Applicable income taxes$551,0003,837
Income before extraordinary items$1,619,0002,973
Extraordinary gains, net$053
Net income$1,619,0002,975
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$123,0003,538
Cash dividends$1,500,0001,563
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,619,0002,934
1995-12-31 (YTD Data)Rank
Total interest income$8,212,0003,915
Total interest expense$4,204,0003,530
Net interest income$4,008,0004,302
Provision for loan and lease losses$51,0006,147
Total noninterest income$1,018,0003,060
Gross Fiduciary activities income$170,0001,040
Service charges on deposit accounts$675,0001,997
Trading account gains and fees$0522
Additional Noninterest Income$173,0005,560
Total noninterest expense$3,586,0003,653
Salaries and employee benefits$1,660,0003,913
Premises and equipment expense$417,0004,366
Additional noninterest expense$1,509,0003,084
Pre-tax net operating income$1,389,0004,721
Securities gains (losses)$-12,00010,219
Applicable income taxes$386,0005,069
Income before extraordinary items$991,0004,663
Extraordinary gains, net$065
Net income$991,0004,662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-50,00011,463
Cash dividends$650,0002,777
Sale, conversion, retirement of capital stock, net$0809
Net operating income$999,6404,604
1994-12-31 (YTD Data)Rank
Total interest income$6,917,0004,270
Total interest expense$3,565,0003,397
Net interest income$3,352,0005,137
Provision for loan and lease losses$-328,00012,411
Total noninterest income$939,0003,254
Gross Fiduciary activities income$139,0001,107
Service charges on deposit accounts$654,0002,067
Trading account gains and fees$0475
Additional Noninterest Income$146,0006,278
Total noninterest expense$3,655,0003,701
Salaries and employee benefits$1,680,0003,868
Premises and equipment expense$411,0004,477
Additional noninterest expense$1,564,0003,185
Pre-tax net operating income$964,0006,099
Securities gains (losses)$03,600
Applicable income taxes$329,0005,526
Income before extraordinary items$635,0006,304
Extraordinary gains, net$0249
Net income$635,0006,317
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-61,00011,990
Cash dividends$200,0005,405
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$635,0006,380
1993-12-31 (YTD Data)Rank
Total interest income$5,774,0005,133
Total interest expense$3,400,0003,695
Net interest income$2,374,0006,784
Provision for loan and lease losses$105,0005,626
Total noninterest income$1,132,0003,048
Gross Fiduciary activities income$344,000896
Service charges on deposit accounts$615,0002,238
Trading account gains and fees$0532
Additional Noninterest Income$173,0006,106
Total noninterest expense$3,476,0003,929
Salaries and employee benefits$1,487,0004,303
Premises and equipment expense$370,0005,020
Additional noninterest expense$1,619,0003,280
Pre-tax net operating income$-75,00012,564
Securities gains (losses)$07,477
Applicable income taxes$-29,00012,847
Income before extraordinary items$-46,00012,611
Extraordinary gains, net$03,149
Net income$-46,00012,639
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-251,00013,155
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$11,300,000116
Net operating income$-46,00012,502

* 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.