Home > The Bank Josephine > Income and Expense

The Bank Josephine, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$6,885,0004,453
Total interest expense$3,215,0004,461
Net interest income$3,670,0004,415
Provision for loan and lease losses$08,652
Total noninterest income$563,0004,588
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$364,0003,399
Trading account gains and fees$0224
Additional Noninterest Income$199,0004,964
Total noninterest expense$3,476,0003,636
Salaries and employee benefits$1,488,0004,270
Premises and equipment expense$327,0005,108
Additional noninterest expense$1,661,0002,513
Pre-tax net operating income$757,0006,266
Securities gains (losses)$126,0001,142
Applicable income taxes$256,0005,584
Income before extraordinary items$627,0005,924
Extraordinary gains, net$032
Net income$627,0005,923
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$135,0003,111
Cash dividends$3,150,000935
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$537,5406,280
1997-12-31 (YTD Data)Rank
Total interest income$1,791,0009,292
Total interest expense$788,0009,297
Net interest income$1,003,0009,178
Provision for loan and lease losses$90,0005,371
Total noninterest income$128,0008,924
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$90,0007,424
Trading account gains and fees$0239
Additional Noninterest Income$38,0008,946
Total noninterest expense$884,0008,738
Salaries and employee benefits$397,0009,276
Premises and equipment expense$85,0009,322
Additional noninterest expense$402,0007,336
Pre-tax net operating income$157,0009,805
Securities gains (losses)$03,944
Applicable income taxes$52,0009,232
Income before extraordinary items$105,0009,930
Extraordinary gains, net$044
Net income$105,0009,930
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$292,0001,995
Cash dividends$100,0006,450
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$105,0009,888
1996-12-31 (YTD Data)Rank
Total interest income$8,930,0003,641
Total interest expense$3,959,0003,741
Net interest income$4,971,0003,550
Provision for loan and lease losses$481,0001,785
Total noninterest income$621,0004,471
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$371,0003,568
Trading account gains and fees$0262
Additional Noninterest Income$250,0004,535
Total noninterest expense$3,139,0004,159
Salaries and employee benefits$1,757,0003,748
Premises and equipment expense$365,0004,881
Additional noninterest expense$1,017,0004,350
Pre-tax net operating income$1,972,0003,451
Securities gains (losses)$-5,0009,952
Applicable income taxes$604,0003,559
Income before extraordinary items$1,363,0003,490
Extraordinary gains, net$053
Net income$1,363,0003,489
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$904,000959
Cash dividends$752,0002,607
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,366,4503,432
1995-12-31 (YTD Data)Rank
Total interest income$9,713,0003,367
Total interest expense$3,958,0003,711
Net interest income$5,755,0003,088
Provision for loan and lease losses$1,145,000857
Total noninterest income$487,0005,285
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$356,0003,716
Trading account gains and fees$0522
Additional Noninterest Income$131,0006,381
Total noninterest expense$3,190,0004,075
Salaries and employee benefits$1,690,0003,844
Premises and equipment expense$303,0005,581
Additional noninterest expense$1,197,0003,748
Pre-tax net operating income$1,907,0003,649
Securities gains (losses)$14,0002,143
Applicable income taxes$710,0003,199
Income before extraordinary items$1,211,0003,928
Extraordinary gains, net$065
Net income$1,211,0003,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$918,000930
Cash dividends$790,0002,461
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,202,0403,938
1994-12-31 (YTD Data)Rank
Total interest income$8,888,0003,375
Total interest expense$3,201,0003,732
Net interest income$5,687,0003,146
Provision for loan and lease losses$1,528,000705
Total noninterest income$441,0005,756
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$295,0004,421
Trading account gains and fees$0475
Additional Noninterest Income$146,0006,278
Total noninterest expense$2,834,0004,632
Salaries and employee benefits$1,480,0004,328
Premises and equipment expense$284,0005,952
Additional noninterest expense$1,070,0004,447
Pre-tax net operating income$1,766,0003,816
Securities gains (losses)$-35,00010,774
Applicable income taxes$778,0002,836
Income before extraordinary items$953,0004,692
Extraordinary gains, net$0249
Net income$953,0004,692
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$678,0001,119
Cash dividends$720,0002,468
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$975,4004,660
1993-12-31 (YTD Data)Rank
Total interest income$7,727,0003,943
Total interest expense$2,642,0004,589
Net interest income$5,085,0003,514
Provision for loan and lease losses$359,0002,666
Total noninterest income$469,0005,834
Gross Fiduciary activities income$2,0001,590
Service charges on deposit accounts$312,0004,273
Trading account gains and fees$0532
Additional Noninterest Income$155,0006,451
Total noninterest expense$3,147,0004,324
Salaries and employee benefits$1,622,0003,978
Premises and equipment expense$303,0005,803
Additional noninterest expense$1,222,0004,128
Pre-tax net operating income$2,048,0003,239
Securities gains (losses)$312,0001,264
Applicable income taxes$442,0004,647
Income before extraordinary items$1,918,0002,624
Extraordinary gains, net$03,149
Net income$1,918,0002,715
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-241,00013,147
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,665,2802,788
1992-12-31 (YTD Data)Rank
Total interest income$8,104,0004,241
Total interest expense$3,404,0004,654
Net interest income$4,700,0003,850
Provision for loan and lease losses$801,0002,147
Total noninterest income$530,0005,420
Gross Fiduciary activities income$7,0001,569
Service charges on deposit accounts$313,0004,295
Trading account gains and fees$0504
Additional Noninterest Income$210,0005,505
Total noninterest expense$3,382,0004,060
Salaries and employee benefits$1,663,0003,866
Premises and equipment expense$340,0005,484
Additional noninterest expense$1,379,0003,847
Pre-tax net operating income$1,047,0005,444
Securities gains (losses)$-412,00013,892
Applicable income taxes$205,0007,460
Income before extraordinary items$430,0007,931
Extraordinary gains, net$109,000709
Net income$539,0007,100
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$857,0001,736
Cash dividends$120,0006,190
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$710,1605,524

* 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.