Home > North Pacific Bank > Income and Expense
North Pacific Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,800,000 | 5,191 |
| Total interest expense | $1,838,000 | 6,593 |
| Net interest income | $3,962,000 | 4,274 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $1,149,000 | 2,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $888,000 | 1,886 |
| Total noninterest expense | $3,654,000 | 3,470 |
| Salaries and employee benefits | $2,167,000 | 3,060 |
| Premises and equipment expense | $539,000 | 3,463 |
| Additional noninterest expense | $948,000 | 4,105 |
| Pre-tax net operating income | $1,367,000 | 4,794 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $415,000 | 4,767 |
| Income before extraordinary items | $952,000 | 4,869 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $952,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,805 |
| Cash dividends | $800,000 | 2,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $952,000 | 4,811 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,865,000 | 5,265 |
| Total interest expense | $2,046,000 | 6,331 |
| Net interest income | $3,819,000 | 4,493 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,157,000 | 2,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $868,000 | 1,996 |
| Total noninterest expense | $3,632,000 | 3,656 |
| Salaries and employee benefits | $2,203,000 | 3,036 |
| Premises and equipment expense | $514,000 | 3,690 |
| Additional noninterest expense | $915,000 | 4,698 |
| Pre-tax net operating income | $1,344,000 | 4,729 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $406,000 | 4,850 |
| Income before extraordinary items | $938,000 | 4,735 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $938,000 | 4,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $938,000 | 4,681 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,597,000 | 5,514 |
| Total interest expense | $1,971,000 | 6,533 |
| Net interest income | $3,626,000 | 4,705 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $974,000 | 3,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $709,000 | 2,273 |
| Total noninterest expense | $3,266,000 | 3,987 |
| Salaries and employee benefits | $1,829,000 | 3,594 |
| Premises and equipment expense | $534,000 | 3,548 |
| Additional noninterest expense | $903,000 | 4,751 |
| Pre-tax net operating income | $1,334,000 | 4,867 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $397,000 | 4,971 |
| Income before extraordinary items | $937,000 | 4,835 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $937,000 | 4,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $550,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $937,000 | 4,828 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,901,000 | 5,754 |
| Total interest expense | $1,424,000 | 7,126 |
| Net interest income | $3,477,000 | 4,970 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $1,103,000 | 2,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $835,000 | 2,079 |
| Total noninterest expense | $3,004,000 | 4,400 |
| Salaries and employee benefits | $1,630,000 | 3,967 |
| Premises and equipment expense | $483,000 | 3,914 |
| Additional noninterest expense | $891,000 | 5,221 |
| Pre-tax net operating income | $1,506,000 | 4,399 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $461,000 | 4,305 |
| Income before extraordinary items | $1,045,000 | 4,367 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,045,000 | 4,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,045,000 | 4,428 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,584,000 | 6,211 |
| Total interest expense | $1,359,000 | 7,681 |
| Net interest income | $3,225,000 | 5,312 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $926,000 | 3,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 4,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $602,000 | 2,893 |
| Total noninterest expense | $3,108,000 | 4,379 |
| Salaries and employee benefits | $1,575,000 | 4,094 |
| Premises and equipment expense | $525,000 | 3,705 |
| Additional noninterest expense | $1,008,000 | 4,890 |
| Pre-tax net operating income | $968,000 | 6,037 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $280,000 | 6,335 |
| Income before extraordinary items | $698,000 | 6,124 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $698,000 | 6,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,557 |
| Cash dividends | $600,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $690,900 | 5,911 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,103,000 | 6,295 |
| Total interest expense | $1,700,000 | 7,893 |
| Net interest income | $3,403,000 | 5,129 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $820,000 | 3,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,598 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $532,000 | 3,063 |
| Total noninterest expense | $2,982,000 | 4,561 |
| Salaries and employee benefits | $1,421,000 | 4,439 |
| Premises and equipment expense | $499,000 | 3,971 |
| Additional noninterest expense | $1,062,000 | 4,808 |
| Pre-tax net operating income | $1,121,000 | 5,179 |
| Securities gains (losses) | $43,000 | 4,369 |
| Applicable income taxes | $376,000 | 5,032 |
| Income before extraordinary items | $788,000 | 5,423 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $788,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $758,760 | 5,247 |
* 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.