Home > Shady Oaks National Bank > Income and Expense
Shady Oaks National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,181,000 | 7,537 |
| Total interest expense | $979,000 | 8,744 |
| Net interest income | $2,202,000 | 6,527 |
| Provision for loan and lease losses | $85,000 | 5,536 |
| Total noninterest income | $588,000 | 4,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $498,000 | 2,633 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,074 |
| Total noninterest expense | $1,826,000 | 6,020 |
| Salaries and employee benefits | $899,000 | 6,292 |
| Premises and equipment expense | $214,000 | 6,591 |
| Additional noninterest expense | $713,000 | 5,148 |
| Pre-tax net operating income | $879,000 | 6,216 |
| Securities gains (losses) | $16,000 | 2,045 |
| Applicable income taxes | $345,000 | 5,359 |
| Income before extraordinary items | $550,000 | 6,671 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $550,000 | 6,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,034 |
| Cash dividends | $623,000 | 3,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $539,760 | 6,683 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,029,000 | 7,952 |
| Total interest expense | $938,000 | 9,214 |
| Net interest income | $2,091,000 | 6,967 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $651,000 | 4,316 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $509,000 | 2,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,132 |
| Total noninterest expense | $1,768,000 | 6,459 |
| Salaries and employee benefits | $858,000 | 6,667 |
| Premises and equipment expense | $201,000 | 7,007 |
| Additional noninterest expense | $709,000 | 5,691 |
| Pre-tax net operating income | $914,000 | 6,038 |
| Securities gains (losses) | $28,000 | 1,737 |
| Applicable income taxes | $367,000 | 5,162 |
| Income before extraordinary items | $575,000 | 6,431 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $575,000 | 6,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,197 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $557,080 | 6,458 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,190,000 | 9,432 |
| Total interest expense | $714,000 | 10,257 |
| Net interest income | $1,476,000 | 8,600 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $460,000 | 5,478 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $397,000 | 3,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,620 |
| Total noninterest expense | $1,290,000 | 7,889 |
| Salaries and employee benefits | $660,000 | 7,989 |
| Premises and equipment expense | $142,000 | 8,472 |
| Additional noninterest expense | $488,000 | 7,361 |
| Pre-tax net operating income | $626,000 | 7,730 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $239,000 | 6,808 |
| Income before extraordinary items | $387,000 | 8,179 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $387,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $387,000 | 8,144 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,483,000 | 8,934 |
| Total interest expense | $705,000 | 10,068 |
| Net interest income | $1,778,000 | 8,100 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $648,000 | 4,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $516,000 | 2,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,618 |
| Total noninterest expense | $1,556,000 | 7,428 |
| Salaries and employee benefits | $816,000 | 7,117 |
| Premises and equipment expense | $149,000 | 8,576 |
| Additional noninterest expense | $591,000 | 7,102 |
| Pre-tax net operating income | $820,000 | 6,775 |
| Securities gains (losses) | $-17,000 | 10,215 |
| Applicable income taxes | $251,000 | 6,521 |
| Income before extraordinary items | $552,000 | 6,888 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $552,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $260,000 | 4,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $563,730 | 6,860 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,384,000 | 9,419 |
| Total interest expense | $732,000 | 10,397 |
| Net interest income | $1,652,000 | 8,634 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $611,000 | 4,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $523,000 | 2,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,318 |
| Total noninterest expense | $1,609,000 | 7,476 |
| Salaries and employee benefits | $769,000 | 7,500 |
| Premises and equipment expense | $252,000 | 6,639 |
| Additional noninterest expense | $588,000 | 7,455 |
| Pre-tax net operating income | $644,000 | 7,657 |
| Securities gains (losses) | $42,000 | 3,661 |
| Applicable income taxes | $213,000 | 7,377 |
| Income before extraordinary items | $473,000 | 7,764 |
| Extraordinary gains, net | $50,000 | 2,172 |
| Net income | $523,000 | 7,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 6,409 |
| Cash dividends | $260,000 | 4,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $444,020 | 7,756 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,289,000 | 10,307 |
| Total interest expense | $879,000 | 10,959 |
| Net interest income | $1,410,000 | 9,592 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $657,000 | 4,639 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $512,000 | 2,704 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $1,463,000 | 8,060 |
| Salaries and employee benefits | $762,000 | 7,525 |
| Premises and equipment expense | $240,000 | 6,971 |
| Additional noninterest expense | $461,000 | 8,858 |
| Pre-tax net operating income | $604,000 | 7,685 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $133,000 | 9,043 |
| Income before extraordinary items | $491,000 | 7,414 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $491,000 | 7,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $275,000 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $475,200 | 7,166 |
* 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.