Home > NBO National Bank > Income and Expense
NBO National Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,626,000 | 1,742 |
| Total interest expense | $10,480,000 | 1,457 |
| Net interest income | $8,146,000 | 2,092 |
| Provision for loan and lease losses | $360,000 | 2,235 |
| Total noninterest income | $1,029,000 | 3,007 |
| Gross Fiduciary activities income | $496,000 | 639 |
| Service charges on deposit accounts | $214,000 | 4,963 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $319,000 | 3,890 |
| Total noninterest expense | $6,580,000 | 1,988 |
| Salaries and employee benefits | $3,002,000 | 2,245 |
| Premises and equipment expense | $1,150,000 | 1,716 |
| Additional noninterest expense | $2,428,000 | 1,753 |
| Pre-tax net operating income | $2,235,000 | 3,055 |
| Securities gains (losses) | $28,000 | 2,162 |
| Applicable income taxes | $513,000 | 3,769 |
| Income before extraordinary items | $1,750,000 | 2,858 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,750,000 | 2,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,703 |
| Cash dividends | $931,000 | 2,351 |
| Sale, conversion, retirement of capital stock, net | $734,000 | 506 |
| Net operating income | $1,728,440 | 2,803 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,821,000 | 1,760 |
| Total interest expense | $10,282,000 | 1,512 |
| Net interest income | $8,539,000 | 2,039 |
| Provision for loan and lease losses | $420,000 | 2,015 |
| Total noninterest income | $843,000 | 3,449 |
| Gross Fiduciary activities income | $402,000 | 731 |
| Service charges on deposit accounts | $239,000 | 4,804 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $202,000 | 4,932 |
| Total noninterest expense | $6,680,000 | 1,930 |
| Salaries and employee benefits | $2,682,000 | 2,474 |
| Premises and equipment expense | $1,161,000 | 1,681 |
| Additional noninterest expense | $2,837,000 | 1,512 |
| Pre-tax net operating income | $2,282,000 | 3,153 |
| Securities gains (losses) | $-191,000 | 10,831 |
| Applicable income taxes | $447,000 | 4,551 |
| Income before extraordinary items | $1,644,000 | 3,087 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,644,000 | 3,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,430 |
| Cash dividends | $880,000 | 2,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,794,890 | 2,790 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,963,000 | 1,990 |
| Total interest expense | $9,122,000 | 1,735 |
| Net interest income | $7,841,000 | 2,297 |
| Provision for loan and lease losses | $650,000 | 1,408 |
| Total noninterest income | $1,464,000 | 2,333 |
| Gross Fiduciary activities income | $317,000 | 844 |
| Service charges on deposit accounts | $271,000 | 4,545 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $876,000 | 1,988 |
| Total noninterest expense | $6,624,000 | 2,090 |
| Salaries and employee benefits | $3,343,000 | 1,976 |
| Premises and equipment expense | $910,000 | 2,185 |
| Additional noninterest expense | $2,371,000 | 2,104 |
| Pre-tax net operating income | $2,031,000 | 3,390 |
| Securities gains (losses) | $-23,000 | 10,703 |
| Applicable income taxes | $435,000 | 4,624 |
| Income before extraordinary items | $1,573,000 | 3,047 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,573,000 | 3,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 1,390 |
| Cash dividends | $820,000 | 2,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,590,940 | 2,989 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,278,000 | 2,066 |
| Total interest expense | $9,613,000 | 1,653 |
| Net interest income | $6,665,000 | 2,676 |
| Provision for loan and lease losses | $1,000,000 | 940 |
| Total noninterest income | $644,000 | 4,346 |
| Gross Fiduciary activities income | $109,000 | 1,145 |
| Service charges on deposit accounts | $178,000 | 6,102 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $357,000 | 3,558 |
| Total noninterest expense | $6,822,000 | 2,028 |
| Salaries and employee benefits | $2,974,000 | 2,224 |
| Premises and equipment expense | $830,000 | 2,407 |
| Additional noninterest expense | $3,018,000 | 1,696 |
| Pre-tax net operating income | $-513,000 | 11,800 |
| Securities gains (losses) | $189,000 | 693 |
| Applicable income taxes | $-500,000 | 11,869 |
| Income before extraordinary items | $176,000 | 10,204 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $176,000 | 10,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,586,000 | 660 |
| Cash dividends | $650,000 | 2,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $55,040 | 11,233 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,187,000 | 2,048 |
| Total interest expense | $7,479,000 | 1,674 |
| Net interest income | $7,708,000 | 2,337 |
| Provision for loan and lease losses | $1,391,000 | 744 |
| Total noninterest income | $632,000 | 4,473 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $227,000 | 5,388 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $405,000 | 3,377 |
| Total noninterest expense | $5,780,000 | 2,433 |
| Salaries and employee benefits | $2,263,000 | 2,930 |
| Premises and equipment expense | $455,000 | 4,118 |
| Additional noninterest expense | $3,062,000 | 1,775 |
| Pre-tax net operating income | $1,169,000 | 5,339 |
| Securities gains (losses) | $29,000 | 1,487 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $1,198,000 | 3,868 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,198,000 | 3,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,076,000 | 828 |
| Cash dividends | $1,356,000 | 1,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,169,000 | 3,997 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,616,000 | 2,138 |
| Total interest expense | $7,034,000 | 1,850 |
| Net interest income | $7,582,000 | 2,360 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $304,000 | 7,610 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $256,000 | 5,015 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $48,000 | 10,209 |
| Total noninterest expense | $4,835,000 | 2,944 |
| Salaries and employee benefits | $1,783,000 | 3,638 |
| Premises and equipment expense | $816,000 | 2,511 |
| Additional noninterest expense | $2,236,000 | 2,476 |
| Pre-tax net operating income | $3,051,000 | 2,238 |
| Securities gains (losses) | $80,000 | 2,797 |
| Applicable income taxes | $677,000 | 3,212 |
| Income before extraordinary items | $2,454,000 | 2,040 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,454,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 2,227 |
| Cash dividends | $500,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,391,600 | 1,963 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,432,000 | 2,156 |
| Total interest expense | $8,518,000 | 1,999 |
| Net interest income | $7,914,000 | 2,296 |
| Provision for loan and lease losses | $1,335,000 | 1,524 |
| Total noninterest income | $286,000 | 7,919 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $229,000 | 5,444 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $57,000 | 9,979 |
| Total noninterest expense | $3,904,000 | 3,583 |
| Salaries and employee benefits | $1,344,000 | 4,681 |
| Premises and equipment expense | $635,000 | 3,185 |
| Additional noninterest expense | $1,925,000 | 2,892 |
| Pre-tax net operating income | $2,961,000 | 2,100 |
| Securities gains (losses) | $498,000 | 1,089 |
| Applicable income taxes | $706,000 | 2,947 |
| Income before extraordinary items | $2,753,000 | 1,670 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,753,000 | 1,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,012,000 | 1,546 |
| Cash dividends | $188,000 | 5,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,354,600 | 1,783 |
* 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.