Home > Pinnacle Bank > Income and Expense

Pinnacle Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$3,620,000	6,709
Total interest expense	$1,594,000	6,741
Net interest income	$2,026,000	6,594
Provision for loan and lease losses	$0	8,503
Total noninterest income	$204,000	7,450
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	5,490
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	8,795
Total noninterest expense	$1,214,000	7,530
Salaries and employee benefits	$524,000	8,195
Premises and equipment expense	$136,000	7,908
Additional noninterest expense	$554,000	6,123
Pre-tax net operating income	$1,016,000	5,265
Securities gains (losses)	$0	3,155
Applicable income taxes	$339,000	4,543
Income before extraordinary items	$677,000	5,560
Extraordinary gains, net	$0	35
Net income	$677,000	5,557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	9,843
Cash dividends	$600,000	3,129
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$677,000	5,524
1998-12-31 (YTD Data)		Rank
Total interest income	$3,606,000	6,838
Total interest expense	$1,571,000	7,040
Net interest income	$2,035,000	6,609
Provision for loan and lease losses	$0	8,652
Total noninterest income	$200,000	7,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$171,000	5,591
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	9,064
Total noninterest expense	$1,022,000	8,045
Salaries and employee benefits	$465,000	8,570
Premises and equipment expense	$152,000	7,600
Additional noninterest expense	$405,000	7,178
Pre-tax net operating income	$1,213,000	4,850
Securities gains (losses)	$0	4,449
Applicable income taxes	$397,000	4,435
Income before extraordinary items	$816,000	5,128
Extraordinary gains, net	$0	32
Net income	$816,000	5,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,626
Cash dividends	$4,215,000	730
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$816,000	5,038
1997-12-31 (YTD Data)		Rank
Total interest income	$3,513,000	7,143
Total interest expense	$1,489,000	7,374
Net interest income	$2,024,000	6,874
Provision for loan and lease losses	$0	8,829
Total noninterest income	$182,000	8,092
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$157,000	6,058
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	9,587
Total noninterest expense	$1,101,000	8,000
Salaries and employee benefits	$488,000	8,691
Premises and equipment expense	$128,000	8,292
Additional noninterest expense	$485,000	6,633
Pre-tax net operating income	$1,105,000	5,518
Securities gains (losses)	$0	3,944
Applicable income taxes	$350,000	5,307
Income before extraordinary items	$755,000	5,654
Extraordinary gains, net	$0	44
Net income	$755,000	5,657
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	9,915
Cash dividends	$90,000	6,641
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$755,000	5,611
1996-12-31 (YTD Data)		Rank
Total interest income	$3,487,000	7,413
Total interest expense	$1,506,000	7,559
Net interest income	$1,981,000	7,186
Provision for loan and lease losses	$0	9,041
Total noninterest income	$182,000	8,503
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$156,000	6,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	10,065
Total noninterest expense	$960,000	8,835
Salaries and employee benefits	$464,000	9,152
Premises and equipment expense	$70,000	10,079
Additional noninterest expense	$426,000	7,665
Pre-tax net operating income	$1,203,000	5,115
Securities gains (losses)	$0	4,148
Applicable income taxes	$377,000	5,081
Income before extraordinary items	$826,000	5,190
Extraordinary gains, net	$0	53
Net income	$826,000	5,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	10,644
Cash dividends	$90,000	6,879
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$826,000	5,124
1995-12-31 (YTD Data)		Rank
Total interest income	$3,496,000	7,556
Total interest expense	$1,629,000	7,330
Net interest income	$1,867,000	7,610
Provision for loan and lease losses	$0	8,958
Total noninterest income	$167,000	9,008
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	6,833
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	10,586
Total noninterest expense	$1,115,000	8,510
Salaries and employee benefits	$468,000	9,380
Premises and equipment expense	$91,000	9,885
Additional noninterest expense	$556,000	6,806
Pre-tax net operating income	$919,000	6,329
Securities gains (losses)	$0	3,831
Applicable income taxes	$293,000	6,091
Income before extraordinary items	$626,000	6,451
Extraordinary gains, net	$0	65
Net income	$626,000	6,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,558
Cash dividends	$90,000	6,999
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$626,000	6,441
1994-12-31 (YTD Data)		Rank
Total interest income	$3,123,000	7,859
Total interest expense	$1,277,000	7,629
Net interest income	$1,846,000	7,927
Provision for loan and lease losses	$0	9,146
Total noninterest income	$146,000	9,773
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$122,000	7,537
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,176
Total noninterest expense	$1,039,000	9,212
Salaries and employee benefits	$465,000	9,708
Premises and equipment expense	$100,000	10,031
Additional noninterest expense	$474,000	8,111
Pre-tax net operating income	$953,000	6,153
Securities gains (losses)	$9,000	2,280
Applicable income taxes	$282,000	6,098
Income before extraordinary items	$680,000	6,021
Extraordinary gains, net	$0	249
Net income	$680,000	6,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	11,116
Cash dividends	$180,000	5,708
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$673,610	6,142
1993-12-31 (YTD Data)		Rank
Total interest income	$3,126,000	8,129
Total interest expense	$1,317,000	7,817
Net interest income	$1,809,000	8,226
Provision for loan and lease losses	$-4,000	12,450
Total noninterest income	$131,000	10,604
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	8,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$1,032,000	9,592
Salaries and employee benefits	$475,000	9,897
Premises and equipment expense	$91,000	10,750
Additional noninterest expense	$466,000	8,552
Pre-tax net operating income	$912,000	6,294
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$252,000	6,760
Income before extraordinary items	$663,000	6,332
Extraordinary gains, net	$0	3,149
Net income	$663,000	6,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	12,031
Cash dividends	$195,000	5,540
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$660,840	6,114
1992-12-31 (YTD Data)		Rank
Total interest income	$2,280,000	10,320
Total interest expense	$898,000	10,886
Net interest income	$1,382,000	9,690
Provision for loan and lease losses	$0	11,756
Total noninterest income	$114,000	11,349
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	9,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	10,916
Total noninterest expense	$577,000	12,194
Salaries and employee benefits	$253,000	12,576
Premises and equipment expense	$39,000	13,096
Additional noninterest expense	$285,000	11,055
Pre-tax net operating income	$919,000	5,998
Securities gains (losses)	$-12,000	13,350
Applicable income taxes	$271,000	6,345
Income before extraordinary items	$636,000	6,330
Extraordinary gains, net	$0	1,422
Net income	$636,000	6,397
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-140,000	13,799
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$644,400	5,917

* 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.