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Pinnacle Bank of the Quad Cities, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$8,376,0003,767
Total interest expense$4,519,0003,291
Net interest income$3,857,0004,248
Provision for loan and lease losses$08,652
Total noninterest income$551,0004,652
Gross Fiduciary activities income$39,0001,146
Service charges on deposit accounts$320,0003,742
Trading account gains and fees$0224
Additional Noninterest Income$192,0005,065
Total noninterest expense$2,572,0004,674
Salaries and employee benefits$1,310,0004,731
Premises and equipment expense$475,0003,840
Additional noninterest expense$787,0004,738
Pre-tax net operating income$1,836,0003,577
Securities gains (losses)$-9,00010,176
Applicable income taxes$574,0003,514
Income before extraordinary items$1,253,0003,787
Extraordinary gains, net$032
Net income$1,253,0003,786
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-58,00010,134
Cash dividends$1,296,0001,854
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,259,2103,689
1997-12-31 (YTD Data)Rank
Total interest income$8,005,0003,968
Total interest expense$4,268,0003,441
Net interest income$3,737,0004,485
Provision for loan and lease losses$200,0003,424
Total noninterest income$486,0005,090
Gross Fiduciary activities income$28,0001,246
Service charges on deposit accounts$316,0003,910
Trading account gains and fees$0239
Additional Noninterest Income$142,0005,840
Total noninterest expense$2,289,0005,120
Salaries and employee benefits$1,230,0004,985
Premises and equipment expense$361,0004,786
Additional noninterest expense$698,0005,233
Pre-tax net operating income$1,734,0003,976
Securities gains (losses)$629,000377
Applicable income taxes$712,0003,197
Income before extraordinary items$1,651,0003,074
Extraordinary gains, net$044
Net income$1,651,0003,073
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$205,0002,514
Cash dividends$1,463,0001,651
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,210,7003,954
1996-12-31 (YTD Data)Rank
Total interest income$7,736,0004,161
Total interest expense$3,951,0003,751
Net interest income$3,785,0004,523
Provision for loan and lease losses$09,041
Total noninterest income$487,0005,258
Gross Fiduciary activities income$24,0001,336
Service charges on deposit accounts$329,0003,952
Trading account gains and fees$0262
Additional Noninterest Income$134,0006,294
Total noninterest expense$2,228,0005,483
Salaries and employee benefits$1,160,0005,356
Premises and equipment expense$377,0004,754
Additional noninterest expense$691,0005,796
Pre-tax net operating income$2,044,0003,373
Securities gains (losses)$15,0002,201
Applicable income taxes$574,0003,716
Income before extraordinary items$1,485,0003,213
Extraordinary gains, net$053
Net income$1,485,0003,212
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0006,197
Cash dividends$1,494,0001,604
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,474,2003,198
1995-12-31 (YTD Data)Rank
Total interest income$7,301,0004,389
Total interest expense$3,658,0003,995
Net interest income$3,643,0004,687
Provision for loan and lease losses$08,958
Total noninterest income$472,0005,391
Gross Fiduciary activities income$48,0001,290
Service charges on deposit accounts$301,0004,286
Trading account gains and fees$0522
Additional Noninterest Income$123,0006,567
Total noninterest expense$2,295,0005,367
Salaries and employee benefits$1,146,0005,421
Premises and equipment expense$365,0004,887
Additional noninterest expense$784,0005,337
Pre-tax net operating income$1,820,0003,809
Securities gains (losses)$414,000406
Applicable income taxes$593,0003,688
Income before extraordinary items$1,641,0002,993
Extraordinary gains, net$065
Net income$1,641,0002,989
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,482
Cash dividends$1,623,0001,420
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,338,7803,557
1994-12-31 (YTD Data)Rank
Total interest income$6,901,0004,278
Total interest expense$2,873,0004,118
Net interest income$4,028,0004,350
Provision for loan and lease losses$54,0005,980
Total noninterest income$490,0005,370
Gross Fiduciary activities income$25,0001,400
Service charges on deposit accounts$304,0004,313
Trading account gains and fees$0475
Additional Noninterest Income$161,0005,988
Total noninterest expense$2,307,0005,532
Salaries and employee benefits$1,109,0005,605
Premises and equipment expense$331,0005,289
Additional noninterest expense$867,0005,348
Pre-tax net operating income$2,157,0003,220
Securities gains (losses)$-1,249,00012,427
Applicable income taxes$119,0008,946
Income before extraordinary items$789,0005,415
Extraordinary gains, net$0249
Net income$789,0005,430
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,524
Cash dividends$1,678,0001,288
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,875,6302,609
1993-12-31 (YTD Data)Rank
Total interest income$6,897,0004,369
Total interest expense$3,003,0004,110
Net interest income$3,894,0004,517
Provision for loan and lease losses$72,0006,563
Total noninterest income$546,0005,282
Gross Fiduciary activities income$30,0001,411
Service charges on deposit accounts$343,0003,962
Trading account gains and fees$0532
Additional Noninterest Income$173,0006,106
Total noninterest expense$2,410,0005,430
Salaries and employee benefits$1,155,0005,410
Premises and equipment expense$362,0005,095
Additional noninterest expense$893,0005,399
Pre-tax net operating income$1,958,0003,376
Securities gains (losses)$685,000722
Applicable income taxes$640,0003,393
Income before extraordinary items$2,003,0002,521
Extraordinary gains, net$175,0001,102
Net income$2,178,0002,385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0007,730
Cash dividends$2,830,000763
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,482,4003,105
1992-12-31 (YTD Data)Rank
Total interest income$7,970,0004,300
Total interest expense$4,015,0004,065
Net interest income$3,955,0004,495
Provision for loan and lease losses$48,0009,164
Total noninterest income$475,0005,842
Gross Fiduciary activities income$25,0001,465
Service charges on deposit accounts$321,0004,212
Trading account gains and fees$0504
Additional Noninterest Income$129,0007,194
Total noninterest expense$2,568,0005,186
Salaries and employee benefits$1,139,0005,425
Premises and equipment expense$373,0005,080
Additional noninterest expense$1,056,0004,835
Pre-tax net operating income$1,814,0003,402
Securities gains (losses)$1,374,000522
Applicable income taxes$704,0002,957
Income before extraordinary items$2,484,0001,831
Extraordinary gains, net$01,422
Net income$2,484,0001,850
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$117,0005,509
Cash dividends$2,350,000736
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,412,2803,020

* 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.