NBC Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,639,000 | 1,466 |
| Total interest expense | $11,359,000 | 1,510 |
| Net interest income | $12,280,000 | 1,433 |
| Provision for loan and lease losses | $454,000 | 2,046 |
| Total noninterest income | $2,634,000 | 1,512 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,049,000 | 658 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $585,000 | 2,669 |
| Total noninterest expense | $9,456,000 | 1,470 |
| Salaries and employee benefits | $4,892,000 | 1,448 |
| Premises and equipment expense | $1,406,000 | 1,480 |
| Additional noninterest expense | $3,158,000 | 1,424 |
| Pre-tax net operating income | $5,004,000 | 1,481 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,723,000 | 1,339 |
| Income before extraordinary items | $3,281,000 | 1,610 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,281,000 | 1,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,998 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,281,000 | 1,601 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,186,000 | 1,692 |
| Total interest expense | $8,400,000 | 1,763 |
| Net interest income | $10,786,000 | 1,612 |
| Provision for loan and lease losses | $435,000 | 1,967 |
| Total noninterest income | $1,435,000 | 2,365 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,224,000 | 1,095 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $211,000 | 4,819 |
| Total noninterest expense | $8,159,000 | 1,686 |
| Salaries and employee benefits | $4,341,000 | 1,593 |
| Premises and equipment expense | $1,239,000 | 1,645 |
| Additional noninterest expense | $2,579,000 | 1,725 |
| Pre-tax net operating income | $3,627,000 | 2,013 |
| Securities gains (losses) | $18,000 | 1,449 |
| Applicable income taxes | $1,239,000 | 1,864 |
| Income before extraordinary items | $2,406,000 | 2,180 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,406,000 | 2,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $441,000 | 1,341 |
| Cash dividends | $1,650,000 | 1,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,394,120 | 2,160 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,574,000 | 1,845 |
| Total interest expense | $7,878,000 | 1,946 |
| Net interest income | $9,696,000 | 1,762 |
| Provision for loan and lease losses | $122,000 | 4,587 |
| Total noninterest income | $1,405,000 | 2,386 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,189,000 | 1,052 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $216,000 | 4,763 |
| Total noninterest expense | $6,881,000 | 1,890 |
| Salaries and employee benefits | $3,644,000 | 1,840 |
| Premises and equipment expense | $405,000 | 4,386 |
| Additional noninterest expense | $2,832,000 | 1,527 |
| Pre-tax net operating income | $4,098,000 | 1,778 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,386,000 | 1,749 |
| Income before extraordinary items | $2,712,000 | 1,922 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,712,000 | 1,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 9,971 |
| Cash dividends | $1,150,000 | 2,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,712,000 | 1,849 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,115,000 | 2,310 |
| Total interest expense | $6,068,000 | 2,469 |
| Net interest income | $8,047,000 | 2,183 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,319,000 | 2,432 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,054,000 | 1,202 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $265,000 | 4,226 |
| Total noninterest expense | $5,554,000 | 2,330 |
| Salaries and employee benefits | $2,854,000 | 2,314 |
| Premises and equipment expense | $325,000 | 5,166 |
| Additional noninterest expense | $2,375,000 | 1,788 |
| Pre-tax net operating income | $3,812,000 | 1,973 |
| Securities gains (losses) | $-137,000 | 10,806 |
| Applicable income taxes | $1,241,000 | 2,012 |
| Income before extraordinary items | $2,434,000 | 2,163 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,434,000 | 2,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $700,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,524,420 | 2,045 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,656,000 | 2,834 |
| Total interest expense | $4,466,000 | 3,339 |
| Net interest income | $7,190,000 | 2,490 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,205,000 | 2,671 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $900,000 | 1,493 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $305,000 | 4,034 |
| Total noninterest expense | $4,865,000 | 2,811 |
| Salaries and employee benefits | $2,476,000 | 2,729 |
| Premises and equipment expense | $275,000 | 5,903 |
| Additional noninterest expense | $2,114,000 | 2,335 |
| Pre-tax net operating income | $3,530,000 | 2,038 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,193,000 | 2,000 |
| Income before extraordinary items | $2,337,000 | 2,119 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,337,000 | 2,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 11,059 |
| Cash dividends | $1,350,000 | 1,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,337,000 | 2,073 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,574,000 | 3,134 |
| Total interest expense | $3,986,000 | 3,690 |
| Net interest income | $6,588,000 | 2,706 |
| Provision for loan and lease losses | $-800,000 | 11,917 |
| Total noninterest income | $1,308,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $764,000 | 1,784 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $544,000 | 2,717 |
| Total noninterest expense | $4,349,000 | 3,083 |
| Salaries and employee benefits | $2,218,000 | 3,002 |
| Premises and equipment expense | $196,000 | 7,269 |
| Additional noninterest expense | $1,935,000 | 2,468 |
| Pre-tax net operating income | $4,347,000 | 1,697 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,479,000 | 1,665 |
| Income before extraordinary items | $2,868,000 | 1,769 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,868,000 | 1,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-210,000 | 11,861 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,868,000 | 1,741 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,889,000 | 3,374 |
| Total interest expense | $2,629,000 | 4,442 |
| Net interest income | $6,260,000 | 2,888 |
| Provision for loan and lease losses | $-1,000,000 | 12,527 |
| Total noninterest income | $913,000 | 3,328 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $680,000 | 1,980 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $233,000 | 4,786 |
| Total noninterest expense | $4,081,000 | 3,364 |
| Salaries and employee benefits | $2,124,000 | 3,104 |
| Premises and equipment expense | $176,000 | 7,948 |
| Additional noninterest expense | $1,781,000 | 2,859 |
| Pre-tax net operating income | $4,092,000 | 1,729 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,386,000 | 1,667 |
| Income before extraordinary items | $2,706,000 | 1,800 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,706,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-432,000 | 12,522 |
| Cash dividends | $1,683,000 | 1,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,706,000 | 1,808 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,191,000 | 3,731 |
| Total interest expense | $2,418,000 | 4,969 |
| Net interest income | $5,773,000 | 3,137 |
| Provision for loan and lease losses | $-750,000 | 13,205 |
| Total noninterest income | $888,000 | 3,671 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $617,000 | 2,231 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $271,000 | 4,756 |
| Total noninterest expense | $4,266,000 | 3,285 |
| Salaries and employee benefits | $2,190,000 | 2,992 |
| Premises and equipment expense | $421,000 | 4,510 |
| Additional noninterest expense | $1,655,000 | 3,220 |
| Pre-tax net operating income | $3,145,000 | 2,172 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $777,000 | 2,823 |
| Income before extraordinary items | $2,368,000 | 2,112 |
| Extraordinary gains, net | $770,000 | 295 |
| Net income | $3,138,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 12,645 |
| Cash dividends | $1,300,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,368,000 | 1,985 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,819,000 | 3,931 |
| Total interest expense | $3,019,000 | 5,127 |
| Net interest income | $5,800,000 | 3,167 |
| Provision for loan and lease losses | $-2,275,000 | 13,924 |
| Total noninterest income | $789,000 | 4,018 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $572,000 | 2,417 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $217,000 | 5,400 |
| Total noninterest expense | $4,113,000 | 3,412 |
| Salaries and employee benefits | $2,092,000 | 3,091 |
| Premises and equipment expense | $136,000 | 9,504 |
| Additional noninterest expense | $1,885,000 | 2,944 |
| Pre-tax net operating income | $4,751,000 | 1,343 |
| Securities gains (losses) | $183,000 | 2,134 |
| Applicable income taxes | $861,000 | 2,421 |
| Income before extraordinary items | $4,073,000 | 1,150 |
| Extraordinary gains, net | $820,000 | 141 |
| Net income | $4,893,000 | 981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 3,473 |
| Cash dividends | $140,000 | 5,918 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 352 |
| Net operating income | $3,921,110 | 1,102 |
* 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.