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Midland Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$31,730,0001,031
Total interest expense$17,806,000890
Net interest income$13,924,0001,218
Provision for loan and lease losses$-108,00010,329
Total noninterest income$1,900,0001,908
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$652,0001,958
Trading account gains and fees$0224
Additional Noninterest Income$1,248,0001,585
Total noninterest expense$8,059,0001,641
Salaries and employee benefits$4,517,0001,446
Premises and equipment expense$1,169,0001,690
Additional noninterest expense$2,373,0001,787
Pre-tax net operating income$7,873,000980
Securities gains (losses)$04,449
Applicable income taxes$2,242,0001,122
Income before extraordinary items$5,631,000955
Extraordinary gains, net$032
Net income$5,631,000954
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-52,00010,110
Cash dividends$1,962,0001,368
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$5,631,000927
1997-12-31 (YTD Data)Rank
Total interest income$28,518,0001,176
Total interest expense$16,079,0001,015
Net interest income$12,439,0001,384
Provision for loan and lease losses$-103,00010,780
Total noninterest income$1,806,0001,925
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$566,0002,322
Trading account gains and fees$0239
Additional Noninterest Income$1,240,0001,515
Total noninterest expense$7,551,0001,724
Salaries and employee benefits$4,055,0001,620
Premises and equipment expense$1,097,0001,803
Additional noninterest expense$2,399,0001,767
Pre-tax net operating income$6,797,0001,171
Securities gains (losses)$03,944
Applicable income taxes$1,696,0001,529
Income before extraordinary items$5,101,0001,083
Extraordinary gains, net$044
Net income$5,101,0001,084
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,548
Cash dividends$4,445,000693
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$5,101,0001,050
1996-12-31 (YTD Data)Rank
Total interest income$22,671,0001,491
Total interest expense$14,728,0001,110
Net interest income$7,943,0002,267
Provision for loan and lease losses$-431,00011,385
Total noninterest income$2,964,0001,370
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$411,0003,264
Trading account gains and fees$0262
Additional Noninterest Income$2,553,000984
Total noninterest expense$7,234,0001,945
Salaries and employee benefits$3,486,0001,891
Premises and equipment expense$1,044,0001,920
Additional noninterest expense$2,704,0001,887
Pre-tax net operating income$4,104,0001,749
Securities gains (losses)$1,0003,760
Applicable income taxes$1,045,0002,262
Income before extraordinary items$3,060,0001,629
Extraordinary gains, net$053
Net income$3,060,0001,630
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$614,0001,229
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,059,2501,596
1995-12-31 (YTD Data)Rank
Total interest income$22,424,0001,517
Total interest expense$14,214,0001,170
Net interest income$8,210,0002,189
Provision for loan and lease losses$-913,00011,922
Total noninterest income$2,827,0001,411
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$419,0003,211
Trading account gains and fees$0522
Additional Noninterest Income$2,408,0001,010
Total noninterest expense$7,736,0001,811
Salaries and employee benefits$3,547,0001,867
Premises and equipment expense$1,110,0001,818
Additional noninterest expense$3,079,0001,663
Pre-tax net operating income$4,214,0001,752
Securities gains (losses)$146,000789
Applicable income taxes$1,315,0001,846
Income before extraordinary items$3,045,0001,672
Extraordinary gains, net$065
Net income$3,045,0001,671
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,391,000720
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$50,000647
Net operating income$2,942,8001,693
1994-12-31 (YTD Data)Rank
Total interest income$21,593,0001,432
Total interest expense$13,057,0001,011
Net interest income$8,536,0002,105
Provision for loan and lease losses$09,146
Total noninterest income$5,063,000918
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$523,0002,600
Trading account gains and fees$0475
Additional Noninterest Income$4,540,000675
Total noninterest expense$10,598,0001,379
Salaries and employee benefits$3,474,0001,925
Premises and equipment expense$1,035,0001,962
Additional noninterest expense$6,089,0001,009
Pre-tax net operating income$3,001,0002,378
Securities gains (losses)$1,0003,293
Applicable income taxes$135,0008,607
Income before extraordinary items$2,867,0001,712
Extraordinary gains, net$135,00093
Net income$3,002,0001,630
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,277,000513
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,866,0401,721
1993-12-31 (YTD Data)Rank
Total interest income$25,967,0001,230
Total interest expense$17,213,000815
Net interest income$8,754,0002,060
Provision for loan and lease losses$16,140,000192
Total noninterest income$1,999,0001,982
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$729,0001,879
Trading account gains and fees$0532
Additional Noninterest Income$1,270,0001,748
Total noninterest expense$15,077,0001,053
Salaries and employee benefits$3,444,0001,930
Premises and equipment expense$968,0002,122
Additional noninterest expense$10,665,000729
Pre-tax net operating income$-20,464,00013,268
Securities gains (losses)$152,0001,970
Applicable income taxes$-6,172,00013,259
Income before extraordinary items$-14,140,00013,227
Extraordinary gains, net$03,149
Net income$-14,140,00013,227
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,147,000163
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$6,250,000169
Net operating income$-14,246,40013,224
1992-12-31 (YTD Data)Rank
Total interest income$34,411,0001,064
Total interest expense$18,507,000978
Net interest income$15,904,0001,179
Provision for loan and lease losses$12,025,000326
Total noninterest income$1,296,0002,687
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$970,0001,378
Trading account gains and fees$0504
Additional Noninterest Income$326,0004,207
Total noninterest expense$6,444,0002,268
Salaries and employee benefits$3,163,0002,081
Premises and equipment expense$907,0002,291
Additional noninterest expense$2,374,0002,419
Pre-tax net operating income$-1,269,00013,532
Securities gains (losses)$1,102,000604
Applicable income taxes$-210,00013,662
Income before extraordinary items$43,00012,617
Extraordinary gains, net$01,422
Net income$43,00012,625
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,009,000530
Cash dividends$2,500,000692
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-662,28013,355

* 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.