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Newberry Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$3,055,0007,693
Total interest expense$1,430,0007,520
Net interest income$1,625,0007,722
Provision for loan and lease losses$498,0001,789
Total noninterest income$204,0007,784
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$162,0005,956
Trading account gains and feesNANA
Additional Noninterest Income$42,0008,774
Total noninterest expense$1,340,0007,205
Salaries and employee benefits$624,0007,762
Premises and equipment expense$200,0006,854
Additional noninterest expense$516,0006,376
Pre-tax net operating income$-9,00010,398
Securities gains (losses)$5,0002,787
Applicable income taxes$32,0009,533
Income before extraordinary items$-36,00010,449
Extraordinary gains, net$044
Net income$-36,00010,452
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$296,0001,975
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$603,000513
Net operating income$-41,00010,420
1996-12-31 (YTD Data)Rank
Total interest income$1,634,0009,926
Total interest expense$630,00010,180
Net interest income$1,004,0009,542
Provision for loan and lease losses$118,0004,759
Total noninterest income$159,0008,869
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$127,0006,933
Trading account gains and feesNANA
Additional Noninterest Income$32,0009,747
Total noninterest expense$767,0009,560
Salaries and employee benefits$369,0009,823
Premises and equipment expense$103,0009,206
Additional noninterest expense$295,0008,937
Pre-tax net operating income$278,0009,274
Securities gains (losses)$04,148
Applicable income taxes$99,0008,762
Income before extraordinary items$179,0009,493
Extraordinary gains, net$30,00034
Net income$209,0009,216
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$116,0003,652
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$300,000527
Net operating income$179,0009,434
1995-12-31 (YTD Data)Rank
Total interest income$1,140,00011,052
Total interest expense$504,00011,001
Net interest income$636,00011,015
Provision for loan and lease losses$08,958
Total noninterest income$204,0008,359
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$131,0007,064
Trading account gains and feesNANA
Additional Noninterest Income$73,0008,234
Total noninterest expense$694,00010,211
Salaries and employee benefits$291,00010,826
Premises and equipment expense$94,0009,797
Additional noninterest expense$309,0009,158
Pre-tax net operating income$146,00010,795
Securities gains (losses)$-2,0009,253
Applicable income taxes$011,151
Income before extraordinary items$144,00010,517
Extraordinary gains, net$126,00017
Net income$270,0009,230
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$64,0004,677
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$146,00010,471
1994-12-31 (YTD Data)Rank
Total interest income$829,00012,025
Total interest expense$264,00012,162
Net interest income$565,00011,819
Provision for loan and lease losses$133,0003,851
Total noninterest income$225,0008,315
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$109,0007,867
Trading account gains and feesNANA
Additional Noninterest Income$116,0007,032
Total noninterest expense$915,0009,707
Salaries and employee benefits$393,00010,348
Premises and equipment expense$122,0009,334
Additional noninterest expense$400,0008,832
Pre-tax net operating income$-258,00012,292
Securities gains (losses)$-1,0008,790
Applicable income taxes$011,630
Income before extraordinary items$-259,00012,252
Extraordinary gains, net$0249
Net income$-259,00012,251
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$52,0005,032
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-258,00012,273
1993-12-31 (YTD Data)Rank
Total interest income$791,00012,691
Total interest expense$279,00012,747
Net interest income$512,00012,517
Provision for loan and lease losses$49,0007,550
Total noninterest income$126,00010,712
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$112,0008,052
Trading account gains and feesNANA
Additional Noninterest Income$14,00012,477
Total noninterest expense$762,00010,870
Salaries and employee benefits$354,00011,105
Premises and equipment expense$131,0009,437
Additional noninterest expense$277,00010,732
Pre-tax net operating income$-173,00012,676
Securities gains (losses)$16,0004,943
Applicable income taxes$-17,00012,817
Income before extraordinary items$-140,00012,701
Extraordinary gains, net$03,149
Net income$-140,00012,719
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0004,512
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-154,24012,628
1992-12-31 (YTD Data)Rank
Total interest income$950,00013,108
Total interest expense$400,00013,177
Net interest income$550,00012,910
Provision for loan and lease losses$136,0006,368
Total noninterest income$141,00010,672
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$123,0007,877
Trading account gains and feesNANA
Additional Noninterest Income$18,00012,735
Total noninterest expense$718,00011,422
Salaries and employee benefits$315,00011,848
Premises and equipment expense$117,00010,138
Additional noninterest expense$286,00011,047
Pre-tax net operating income$-163,00013,038
Securities gains (losses)$1,0007,986
Applicable income taxes$-52,00013,509
Income before extraordinary items$-110,00013,078
Extraordinary gains, net$01,422
Net income$-110,00013,072
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$104,0005,812
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-110,68012,935

* 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.