Home > The Bank of Alton > Income and Expense
The Bank of Alton, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,136,000 | 2,544 |
| Total interest expense | $6,520,000 | 2,368 |
| Net interest income | $6,616,000 | 2,679 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $1,079,000 | 2,944 |
| Gross Fiduciary activities income | $209,000 | 952 |
| Service charges on deposit accounts | $344,000 | 3,809 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $526,000 | 2,822 |
| Total noninterest expense | $3,964,000 | 3,377 |
| Salaries and employee benefits | $1,935,000 | 3,437 |
| Premises and equipment expense | $513,000 | 3,701 |
| Additional noninterest expense | $1,516,000 | 3,085 |
| Pre-tax net operating income | $3,631,000 | 1,988 |
| Securities gains (losses) | $-11,000 | 10,330 |
| Applicable income taxes | $717,000 | 3,127 |
| Income before extraordinary items | $2,903,000 | 1,714 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,903,000 | 1,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-338,000 | 11,392 |
| Cash dividends | $1,140,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,911,800 | 1,673 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,840,000 | 2,821 |
| Total interest expense | $5,319,000 | 2,866 |
| Net interest income | $6,521,000 | 2,731 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $1,074,000 | 2,946 |
| Gross Fiduciary activities income | $198,000 | 1,009 |
| Service charges on deposit accounts | $341,000 | 3,856 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $535,000 | 2,744 |
| Total noninterest expense | $3,787,000 | 3,490 |
| Salaries and employee benefits | $1,757,000 | 3,722 |
| Premises and equipment expense | $420,000 | 4,345 |
| Additional noninterest expense | $1,610,000 | 2,901 |
| Pre-tax net operating income | $3,766,000 | 1,959 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $967,000 | 2,461 |
| Income before extraordinary items | $2,809,000 | 1,798 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,809,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 1,354 |
| Cash dividends | $720,000 | 2,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,801,600 | 1,780 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,312,000 | 2,951 |
| Total interest expense | $4,051,000 | 3,010 |
| Net interest income | $6,261,000 | 2,887 |
| Provision for loan and lease losses | $-280,000 | 12,383 |
| Total noninterest income | $1,036,000 | 3,032 |
| Gross Fiduciary activities income | $208,000 | 1,007 |
| Service charges on deposit accounts | $361,000 | 3,727 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $467,000 | 3,085 |
| Total noninterest expense | $3,866,000 | 3,530 |
| Salaries and employee benefits | $1,739,000 | 3,746 |
| Premises and equipment expense | $399,000 | 4,592 |
| Additional noninterest expense | $1,728,000 | 2,928 |
| Pre-tax net operating income | $3,711,000 | 1,918 |
| Securities gains (losses) | $-250,000 | 12,039 |
| Applicable income taxes | $850,000 | 2,625 |
| Income before extraordinary items | $2,611,000 | 1,867 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,611,000 | 1,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-208,000 | 12,415 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,798,500 | 1,754 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,700,000 | 3,184 |
| Total interest expense | $3,741,000 | 3,363 |
| Net interest income | $5,959,000 | 3,048 |
| Provision for loan and lease losses | $-960,000 | 13,219 |
| Total noninterest income | $952,000 | 3,475 |
| Gross Fiduciary activities income | $219,000 | 1,039 |
| Service charges on deposit accounts | $326,000 | 4,124 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $407,000 | 3,709 |
| Total noninterest expense | $3,916,000 | 3,556 |
| Salaries and employee benefits | $1,718,000 | 3,781 |
| Premises and equipment expense | $621,000 | 3,218 |
| Additional noninterest expense | $1,577,000 | 3,353 |
| Pre-tax net operating income | $3,955,000 | 1,742 |
| Securities gains (losses) | $176,000 | 1,826 |
| Applicable income taxes | $1,195,000 | 1,929 |
| Income before extraordinary items | $2,936,000 | 1,717 |
| Extraordinary gains, net | $518,000 | 452 |
| Net income | $3,454,000 | 1,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-535,000 | 13,236 |
| Cash dividends | $695,000 | 2,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,811,040 | 1,675 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,595,000 | 3,309 |
| Total interest expense | $4,745,000 | 3,459 |
| Net interest income | $5,850,000 | 3,136 |
| Provision for loan and lease losses | $1,040,000 | 1,789 |
| Total noninterest income | $1,069,000 | 3,137 |
| Gross Fiduciary activities income | $193,000 | 1,091 |
| Service charges on deposit accounts | $334,000 | 4,095 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $542,000 | 3,025 |
| Total noninterest expense | $3,333,000 | 4,113 |
| Salaries and employee benefits | $1,611,000 | 3,970 |
| Premises and equipment expense | $324,000 | 5,670 |
| Additional noninterest expense | $1,398,000 | 3,798 |
| Pre-tax net operating income | $2,546,000 | 2,434 |
| Securities gains (losses) | $1,116,000 | 596 |
| Applicable income taxes | $989,000 | 2,127 |
| Income before extraordinary items | $2,673,000 | 1,711 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,673,000 | 1,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 3,223 |
| Cash dividends | $500,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,858,320 | 2,286 |
* 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.