Home > Monarch Bank > Income and Expense
Monarch Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,435,000 | 5,580 |
| Total interest expense | $1,755,000 | 6,948 |
| Net interest income | $3,680,000 | 4,631 |
| Provision for loan and lease losses | $195,000 | 3,475 |
| Total noninterest income | $859,000 | 3,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $527,000 | 2,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,825 |
| Total noninterest expense | $3,626,000 | 3,660 |
| Salaries and employee benefits | $1,750,000 | 3,760 |
| Premises and equipment expense | $625,000 | 3,078 |
| Additional noninterest expense | $1,251,000 | 3,649 |
| Pre-tax net operating income | $718,000 | 6,853 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-2,000 | 10,899 |
| Income before extraordinary items | $720,000 | 5,677 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $720,000 | 5,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $720,000 | 5,623 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,505,000 | 6,454 |
| Total interest expense | $1,393,000 | 7,998 |
| Net interest income | $3,112,000 | 5,344 |
| Provision for loan and lease losses | $425,000 | 1,782 |
| Total noninterest income | $847,000 | 3,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $487,000 | 2,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $360,000 | 3,539 |
| Total noninterest expense | $3,381,000 | 3,870 |
| Salaries and employee benefits | $1,754,000 | 3,728 |
| Premises and equipment expense | $556,000 | 3,432 |
| Additional noninterest expense | $1,071,000 | 4,120 |
| Pre-tax net operating income | $153,000 | 10,758 |
| Securities gains (losses) | $36,000 | 1,516 |
| Applicable income taxes | $-496,000 | 11,868 |
| Income before extraordinary items | $685,000 | 6,086 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $685,000 | 6,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $707,000 | 1,107 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $649,000 | 6,299 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,958,000 | 6,753 |
| Total interest expense | $1,101,000 | 8,287 |
| Net interest income | $2,857,000 | 5,816 |
| Provision for loan and lease losses | $920,000 | 986 |
| Total noninterest income | $555,000 | 4,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $395,000 | 3,412 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 6,008 |
| Total noninterest expense | $4,216,000 | 3,255 |
| Salaries and employee benefits | $1,682,000 | 3,859 |
| Premises and equipment expense | $613,000 | 3,209 |
| Additional noninterest expense | $1,921,000 | 2,659 |
| Pre-tax net operating income | $-1,724,000 | 12,510 |
| Securities gains (losses) | $-47,000 | 10,984 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-1,771,000 | 12,483 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,771,000 | 12,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $913,000 | 918 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-1,724,000 | 12,481 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,389,000 | 6,427 |
| Total interest expense | $1,253,000 | 8,065 |
| Net interest income | $3,136,000 | 5,464 |
| Provision for loan and lease losses | $1,280,000 | 1,110 |
| Total noninterest income | $778,000 | 4,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $444,000 | 3,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $334,000 | 4,215 |
| Total noninterest expense | $4,019,000 | 3,482 |
| Salaries and employee benefits | $1,806,000 | 3,602 |
| Premises and equipment expense | $865,000 | 2,361 |
| Additional noninterest expense | $1,348,000 | 3,823 |
| Pre-tax net operating income | $-1,385,000 | 13,030 |
| Securities gains (losses) | $40,000 | 3,728 |
| Applicable income taxes | $2,000 | 12,040 |
| Income before extraordinary items | $-1,347,000 | 13,037 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,347,000 | 13,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $725,000 | 1,410 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $255,000 | 734 |
| Net operating income | $-1,387,000 | 13,014 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,073,000 | 6,319 |
| Total interest expense | $1,749,000 | 7,766 |
| Net interest income | $3,324,000 | 5,253 |
| Provision for loan and lease losses | $67,000 | 8,339 |
| Total noninterest income | $853,000 | 3,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $450,000 | 3,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $403,000 | 3,690 |
| Total noninterest expense | $3,817,000 | 3,645 |
| Salaries and employee benefits | $1,756,000 | 3,642 |
| Premises and equipment expense | $867,000 | 2,383 |
| Additional noninterest expense | $1,194,000 | 4,357 |
| Pre-tax net operating income | $293,000 | 10,205 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $117,000 | 9,465 |
| Income before extraordinary items | $176,000 | 10,926 |
| Extraordinary gains, net | $82,000 | 820 |
| Net income | $258,000 | 9,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 4,125 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $176,000 | 10,590 |
* 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.