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Old North State Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$9,887,0003,310
Total interest expense$4,382,0003,398
Net interest income$5,505,0003,213
Provision for loan and lease losses$243,0002,991
Total noninterest income$699,0004,118
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$486,0002,783
Trading account gains and fees$0262
Additional Noninterest Income$213,0005,002
Total noninterest expense$4,519,0003,000
Salaries and employee benefits$2,449,0002,755
Premises and equipment expense$760,0002,574
Additional noninterest expense$1,310,0003,509
Pre-tax net operating income$1,442,0004,489
Securities gains (losses)$-37,00010,927
Applicable income taxes$379,0005,064
Income before extraordinary items$1,026,0004,395
Extraordinary gains, net$053
Net income$1,026,0004,396
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$224,0002,499
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$48,000727
Net operating income$1,053,0104,243
1995-12-31 (YTD Data)Rank
Total interest income$4,283,0006,712
Total interest expense$1,969,0006,541
Net interest income$2,314,0006,653
Provision for loan and lease losses$115,0004,295
Total noninterest income$330,0006,717
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$303,0004,267
Trading account gains and fees$0522
Additional Noninterest Income$27,00010,452
Total noninterest expense$1,959,0006,081
Salaries and employee benefits$1,061,0005,759
Premises and equipment expense$287,0005,828
Additional noninterest expense$611,0006,473
Pre-tax net operating income$570,0008,052
Securities gains (losses)$-5,0009,676
Applicable income taxes$187,0007,653
Income before extraordinary items$378,0008,253
Extraordinary gains, net$065
Net income$378,0008,253
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$126,0003,293
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$-3,00010,431
Net operating income$381,3508,211
1994-12-31 (YTD Data)Rank
Total interest income$2,954,0008,127
Total interest expense$1,156,0008,076
Net interest income$1,798,0008,051
Provision for loan and lease losses$64,0005,501
Total noninterest income$264,0007,750
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$241,0005,174
Trading account gains and feesNANA
Additional Noninterest Income$23,00011,244
Total noninterest expense$1,523,0007,533
Salaries and employee benefits$804,0007,191
Premises and equipment expense$208,0007,250
Additional noninterest expense$511,0007,745
Pre-tax net operating income$475,0008,825
Securities gains (losses)$-20,00010,331
Applicable income taxes$156,0008,187
Income before extraordinary items$299,0009,157
Extraordinary gains, net$0249
Net income$299,0009,160
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0007,184
Cash dividends$29,0008,415
Sale, conversion, retirement of capital stock, net$369,000595
Net operating income$312,2009,084
1993-12-31 (YTD Data)Rank
Total interest income$2,293,0009,595
Total interest expense$954,0009,319
Net interest income$1,339,0009,611
Provision for loan and lease losses$120,0005,200
Total noninterest income$217,0008,897
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$182,0006,334
Trading account gains and feesNANA
Additional Noninterest Income$35,00010,982
Total noninterest expense$1,230,0008,777
Salaries and employee benefits$629,0008,564
Premises and equipment expense$151,0008,878
Additional noninterest expense$450,0008,725
Pre-tax net operating income$206,00010,979
Securities gains (losses)$8,0005,699
Applicable income taxes$-30,00012,849
Income before extraordinary items$244,00010,115
Extraordinary gains, net$03,149
Net income$244,00010,261
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0007,969
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$236,0009,961
1992-12-31 (YTD Data)Rank
Total interest income$2,031,00010,847
Total interest expense$957,00010,593
Net interest income$1,074,00010,795
Provision for loan and lease losses$123,0006,648
Total noninterest income$137,00010,753
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$108,0008,278
Trading account gains and feesNANA
Additional Noninterest Income$29,00011,840
Total noninterest expense$1,009,0009,928
Salaries and employee benefits$524,0009,548
Premises and equipment expense$130,0009,690
Additional noninterest expense$355,00010,133
Pre-tax net operating income$79,00012,210
Securities gains (losses)$26,0005,197
Applicable income taxes$24,00011,995
Income before extraordinary items$81,00012,203
Extraordinary gains, net$24,0001,188
Net income$105,00011,946
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0007,015
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$60,98012,180

* 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.