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The Arkansas Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$13,087,0002,486
Total interest expense$6,845,0002,214
Net interest income$6,242,0002,746
Provision for loan and lease losses$322,0002,456
Total noninterest income$1,437,0002,339
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,043,0001,204
Trading account gains and fees$0224
Additional Noninterest Income$394,0003,464
Total noninterest expense$4,050,0003,175
Salaries and employee benefits$1,734,0003,773
Premises and equipment expense$565,0003,354
Additional noninterest expense$1,751,0002,373
Pre-tax net operating income$3,307,0002,178
Securities gains (losses)$04,449
Applicable income taxes$1,228,0001,953
Income before extraordinary items$2,079,0002,469
Extraordinary gains, net$032
Net income$2,079,0002,468
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$207,0002,384
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,079,0002,389
1997-12-31 (YTD Data)Rank
Total interest income$10,937,0002,977
Total interest expense$5,511,0002,717
Net interest income$5,426,0003,218
Provision for loan and lease losses$300,0002,568
Total noninterest income$1,355,0002,393
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,003,0001,277
Trading account gains and fees$0239
Additional Noninterest Income$352,0003,569
Total noninterest expense$3,694,0003,419
Salaries and employee benefits$1,536,0004,172
Premises and equipment expense$493,0003,756
Additional noninterest expense$1,665,0002,474
Pre-tax net operating income$2,787,0002,657
Securities gains (losses)$03,944
Applicable income taxes$1,012,0002,411
Income before extraordinary items$1,775,0002,868
Extraordinary gains, net$044
Net income$1,775,0002,867
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$119,0003,457
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,775,0002,817
1996-12-31 (YTD Data)Rank
Total interest income$9,478,0003,439
Total interest expense$4,637,0003,225
Net interest income$4,841,0003,643
Provision for loan and lease losses$425,0001,987
Total noninterest income$1,304,0002,534
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$974,0001,384
Trading account gains and fees$0262
Additional Noninterest Income$330,0003,841
Total noninterest expense$3,815,0003,485
Salaries and employee benefits$1,477,0004,373
Premises and equipment expense$533,0003,588
Additional noninterest expense$1,805,0002,684
Pre-tax net operating income$1,905,0003,536
Securities gains (losses)$04,148
Applicable income taxes$585,0003,670
Income before extraordinary items$1,320,0003,584
Extraordinary gains, net$053
Net income$1,320,0003,584
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$222,0002,511
Cash dividends$965,0002,218
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,320,0003,534
1995-12-31 (YTD Data)Rank
Total interest income$7,530,0004,248
Total interest expense$4,240,0003,504
Net interest income$3,290,0005,116
Provision for loan and lease losses$330,0002,136
Total noninterest income$897,0003,373
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$667,0002,027
Trading account gains and fees$0522
Additional Noninterest Income$230,0004,721
Total noninterest expense$3,199,0004,060
Salaries and employee benefits$1,340,0004,749
Premises and equipment expense$442,0004,167
Additional noninterest expense$1,417,0003,233
Pre-tax net operating income$658,0007,549
Securities gains (losses)$03,831
Applicable income taxes$236,0006,858
Income before extraordinary items$422,0007,868
Extraordinary gains, net$065
Net income$422,0007,866
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$126,0003,293
Cash dividends$415,0003,766
Sale, conversion, retirement of capital stock, net$0809
Net operating income$422,0007,834
1994-12-31 (YTD Data)Rank
Total interest income$6,465,0004,544
Total interest expense$3,212,0003,723
Net interest income$3,253,0005,256
Provision for loan and lease losses$404,0001,810
Total noninterest income$734,0003,969
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$628,0002,159
Trading account gains and fees$0475
Additional Noninterest Income$106,0007,329
Total noninterest expense$3,090,0004,304
Salaries and employee benefits$1,486,0004,306
Premises and equipment expense$436,0004,276
Additional noninterest expense$1,168,0004,152
Pre-tax net operating income$493,0008,700
Securities gains (losses)$03,600
Applicable income taxes$83,0009,725
Income before extraordinary items$410,0008,109
Extraordinary gains, net$0249
Net income$410,0008,113
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$243,0002,196
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$410,0008,148
1993-12-31 (YTD Data)Rank
Total interest income$6,318,0004,734
Total interest expense$3,228,0003,866
Net interest income$3,090,0005,525
Provision for loan and lease losses$25,0008,682
Total noninterest income$925,0003,556
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$625,0002,191
Trading account gains and fees$0532
Additional Noninterest Income$300,0004,467
Total noninterest expense$2,936,0004,604
Salaries and employee benefits$1,427,0004,467
Premises and equipment expense$307,0005,726
Additional noninterest expense$1,202,0004,182
Pre-tax net operating income$1,054,0005,668
Securities gains (losses)$215,0001,613
Applicable income taxes$470,0004,408
Income before extraordinary items$799,0005,578
Extraordinary gains, net$03,149
Net income$799,0005,714
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,00011,729
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$661,4006,108
1992-12-31 (YTD Data)Rank
Total interest income$6,311,0005,269
Total interest expense$3,208,0004,881
Net interest income$3,103,0005,571
Provision for loan and lease losses$350,0003,771
Total noninterest income$799,0003,976
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$551,0002,499
Trading account gains and fees$0504
Additional Noninterest Income$248,0004,980
Total noninterest expense$2,723,0004,933
Salaries and employee benefits$1,290,0004,853
Premises and equipment expense$221,0007,368
Additional noninterest expense$1,212,0004,307
Pre-tax net operating income$829,0006,432
Securities gains (losses)$782,000778
Applicable income taxes$630,0003,289
Income before extraordinary items$981,0004,579
Extraordinary gains, net$01,422
Net income$981,0004,626
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$202,0004,180
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$4,000,000200
Net operating income$480,5207,123

* 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.