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Princeton Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$13,655,0002,386
Total interest expense$6,761,0002,247
Net interest income$6,894,0002,456
Provision for loan and lease losses$100,0005,089
Total noninterest income$2,167,0001,711
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$928,0001,351
Trading account gains and fees$0224
Additional Noninterest Income$1,239,0001,595
Total noninterest expense$6,673,0001,961
Salaries and employee benefits$3,809,0001,737
Premises and equipment expense$968,0002,020
Additional noninterest expense$1,896,0002,211
Pre-tax net operating income$2,288,0002,999
Securities gains (losses)$223,000867
Applicable income taxes$738,0002,912
Income before extraordinary items$1,773,0002,824
Extraordinary gains, net$032
Net income$1,773,0002,825
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$158,0002,831
Cash dividends$1,300,0001,837
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,614,6702,974
1997-12-31 (YTD Data)Rank
Total interest income$12,916,0002,548
Total interest expense$6,156,0002,439
Net interest income$6,760,0002,573
Provision for loan and lease losses$148,0004,189
Total noninterest income$2,693,0001,392
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$839,0001,553
Trading account gains and fees$0239
Additional Noninterest Income$1,854,0001,158
Total noninterest expense$6,355,0002,030
Salaries and employee benefits$3,422,0001,923
Premises and equipment expense$723,0002,658
Additional noninterest expense$2,210,0001,922
Pre-tax net operating income$2,950,0002,527
Securities gains (losses)$-8,0009,909
Applicable income taxes$893,0002,680
Income before extraordinary items$2,049,0002,530
Extraordinary gains, net$044
Net income$2,049,0002,529
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$165,0002,872
Cash dividends$900,0002,364
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,054,6002,475
1996-12-31 (YTD Data)Rank
Total interest income$11,731,0002,814
Total interest expense$5,162,0002,911
Net interest income$6,569,0002,699
Provision for loan and lease losses$580,0001,557
Total noninterest income$1,747,0002,047
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$882,0001,522
Trading account gains and fees$0262
Additional Noninterest Income$865,0002,002
Total noninterest expense$5,291,0002,573
Salaries and employee benefits$2,817,0002,355
Premises and equipment expense$777,0002,522
Additional noninterest expense$1,697,0002,820
Pre-tax net operating income$2,445,0002,829
Securities gains (losses)$04,148
Applicable income taxes$612,0003,525
Income before extraordinary items$1,833,0002,653
Extraordinary gains, net$053
Net income$1,833,0002,655
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$173,0002,918
Cash dividends$693,0002,787
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,833,0002,610
1995-12-31 (YTD Data)Rank
Total interest income$10,402,0003,192
Total interest expense$4,315,0003,456
Net interest income$6,087,0002,919
Provision for loan and lease losses$250,0002,552
Total noninterest income$1,377,0002,434
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$868,0001,561
Trading account gains and fees$0522
Additional Noninterest Income$509,0002,846
Total noninterest expense$5,110,0002,653
Salaries and employee benefits$2,561,0002,618
Premises and equipment expense$727,0002,710
Additional noninterest expense$1,822,0002,605
Pre-tax net operating income$2,104,0003,336
Securities gains (losses)$95,000988
Applicable income taxes$788,0002,907
Income before extraordinary items$1,411,0003,430
Extraordinary gains, net$065
Net income$1,411,0003,429
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$333,0001,815
Cash dividends$570,0003,052
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,350,2003,533
1994-12-31 (YTD Data)Rank
Total interest income$8,658,0003,462
Total interest expense$2,982,0003,987
Net interest income$5,676,0003,157
Provision for loan and lease losses$125,0003,960
Total noninterest income$1,338,0002,511
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$858,0001,582
Trading account gains and fees$0475
Additional Noninterest Income$480,0003,028
Total noninterest expense$5,038,0002,765
Salaries and employee benefits$2,434,0002,733
Premises and equipment expense$716,0002,778
Additional noninterest expense$1,888,0002,705
Pre-tax net operating income$1,851,0003,659
Securities gains (losses)$21,0001,738
Applicable income taxes$675,0003,176
Income before extraordinary items$1,197,0003,869
Extraordinary gains, net$0249
Net income$1,197,0003,875
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$179,0002,680
Cash dividends$552,0002,968
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,183,5603,947
1993-12-31 (YTD Data)Rank
Total interest income$8,111,0003,771
Total interest expense$2,977,0004,136
Net interest income$5,134,0003,481
Provision for loan and lease losses$138,0004,876
Total noninterest income$1,201,0002,905
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$805,0001,706
Trading account gains and fees$0532
Additional Noninterest Income$396,0003,778
Total noninterest expense$4,571,0003,072
Salaries and employee benefits$2,181,0003,002
Premises and equipment expense$572,0003,470
Additional noninterest expense$1,818,0002,965
Pre-tax net operating income$1,626,0004,035
Securities gains (losses)$143,0002,032
Applicable income taxes$611,0003,541
Income before extraordinary items$1,158,0004,152
Extraordinary gains, net$03,149
Net income$1,158,0004,266
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,0004,368
Cash dividends$480,0003,215
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,065,0504,213
1992-12-31 (YTD Data)Rank
Total interest income$8,656,0003,994
Total interest expense$3,691,0004,365
Net interest income$4,965,0003,662
Provision for loan and lease losses$170,0005,731
Total noninterest income$1,288,0002,695
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$895,0001,511
Trading account gains and fees$0504
Additional Noninterest Income$393,0003,755
Total noninterest expense$4,676,0003,049
Salaries and employee benefits$2,106,0003,068
Premises and equipment expense$549,0003,655
Additional noninterest expense$2,021,0002,781
Pre-tax net operating income$1,407,0004,292
Securities gains (losses)$249,0001,729
Applicable income taxes$610,0003,389
Income before extraordinary items$1,046,0004,326
Extraordinary gains, net$01,422
Net income$1,046,0004,366
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$146,0004,954
Cash dividends$402,0003,278
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$886,6404,679

* 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.