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OneCentral Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$5,526,0005,503
Total interest expense$1,208,0008,356
Net interest income$4,318,0004,020
Provision for loan and lease losses$725,0001,288
Total noninterest income$378,0006,132
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$259,0004,701
Trading account gains and fees$0262
Additional Noninterest Income$119,0006,619
Total noninterest expense$3,226,0004,069
Salaries and employee benefits$1,697,0003,861
Premises and equipment expense$502,0003,767
Additional noninterest expense$1,027,0004,313
Pre-tax net operating income$745,0006,729
Securities gains (losses)$7,0002,762
Applicable income taxes$200,0007,145
Income before extraordinary items$552,0006,549
Extraordinary gains, net$053
Net income$552,0006,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$704,0001,107
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$19,000827
Net operating income$546,8906,518
1995-12-31 (YTD Data)Rank
Total interest income$5,258,0005,774
Total interest expense$962,0009,384
Net interest income$4,296,0004,068
Provision for loan and lease losses$1,315,000776
Total noninterest income$675,0004,196
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$247,0004,995
Trading account gains and fees$0522
Additional Noninterest Income$428,0003,179
Total noninterest expense$3,441,0003,804
Salaries and employee benefits$1,621,0004,001
Premises and equipment expense$469,0003,959
Additional noninterest expense$1,351,0003,370
Pre-tax net operating income$215,00010,368
Securities gains (losses)$03,831
Applicable income taxes$011,151
Income before extraordinary items$215,0009,773
Extraordinary gains, net$065
Net income$215,0009,777
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,065,000854
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$215,0009,742
1994-12-31 (YTD Data)Rank
Total interest income$4,816,0005,834
Total interest expense$818,0009,505
Net interest income$3,998,0004,383
Provision for loan and lease losses$961,000953
Total noninterest income$1,482,0002,325
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$296,0004,402
Trading account gains and fees$0475
Additional Noninterest Income$1,186,0001,637
Total noninterest expense$4,359,0003,162
Salaries and employee benefits$2,213,0002,992
Premises and equipment expense$645,0003,051
Additional noninterest expense$1,501,0003,291
Pre-tax net operating income$160,00011,189
Securities gains (losses)$03,600
Applicable income taxes$50,00010,470
Income before extraordinary items$110,00011,284
Extraordinary gains, net$0249
Net income$110,00011,290
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,202,000779
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$380,000588
Net operating income$110,00011,323
1993-12-31 (YTD Data)Rank
Total interest income$4,800,0005,987
Total interest expense$858,0009,751
Net interest income$3,942,0004,467
Provision for loan and lease losses$438,0002,313
Total noninterest income$1,557,0002,373
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$348,0003,887
Trading account gains and fees$0532
Additional Noninterest Income$1,209,0001,801
Total noninterest expense$5,130,0002,786
Salaries and employee benefits$2,442,0002,709
Premises and equipment expense$545,0003,599
Additional noninterest expense$2,143,0002,574
Pre-tax net operating income$-69,00012,561
Securities gains (losses)$338,0001,194
Applicable income taxes$104,0009,642
Income before extraordinary items$165,00011,027
Extraordinary gains, net$03,149
Net income$165,00011,115
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$707,0001,434
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-51,32012,509
1992-12-31 (YTD Data)Rank
Total interest income$5,501,0005,896
Total interest expense$1,437,0008,715
Net interest income$4,064,0004,379
Provision for loan and lease losses$1,357,0001,509
Total noninterest income$2,031,0001,911
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$362,0003,798
Trading account gains and fees$0504
Additional Noninterest Income$1,669,0001,418
Total noninterest expense$5,845,0002,481
Salaries and employee benefits$2,764,0002,343
Premises and equipment expense$797,0002,609
Additional noninterest expense$2,284,0002,509
Pre-tax net operating income$-1,107,00013,497
Securities gains (losses)$84,0003,291
Applicable income taxes$-561,00013,767
Income before extraordinary items$-462,00013,364
Extraordinary gains, net$01,422
Net income$-462,00013,362
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,133,0001,448
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$-77,00013,818
Net operating income$-515,76013,285

* 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.