Home > The Bank of North Arkansas > Income and Expense
The Bank of North Arkansas, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,079,000 | 4,904 |
| Total interest expense | $2,444,000 | 5,264 |
| Net interest income | $3,635,000 | 4,524 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $476,000 | 5,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,096 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,076 |
| Total noninterest expense | $1,983,000 | 5,716 |
| Salaries and employee benefits | $904,000 | 6,289 |
| Premises and equipment expense | $338,000 | 5,088 |
| Additional noninterest expense | $741,000 | 5,052 |
| Pre-tax net operating income | $1,948,000 | 3,404 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $646,000 | 3,064 |
| Income before extraordinary items | $1,304,000 | 3,636 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,304,000 | 3,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,940 |
| Cash dividends | $900,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,302,660 | 3,599 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,747,000 | 5,162 |
| Total interest expense | $2,447,000 | 5,440 |
| Net interest income | $3,300,000 | 4,806 |
| Provision for loan and lease losses | $159,000 | 4,044 |
| Total noninterest income | $446,000 | 5,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,488 |
| Total noninterest expense | $1,920,000 | 5,747 |
| Salaries and employee benefits | $872,000 | 6,346 |
| Premises and equipment expense | $367,000 | 4,727 |
| Additional noninterest expense | $681,000 | 5,275 |
| Pre-tax net operating income | $1,667,000 | 3,870 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $460,000 | 4,072 |
| Income before extraordinary items | $1,215,000 | 3,889 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,215,000 | 3,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,378 |
| Cash dividends | $957,000 | 2,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,209,160 | 3,814 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,415,000 | 5,475 |
| Total interest expense | $2,425,000 | 5,527 |
| Net interest income | $2,990,000 | 5,316 |
| Provision for loan and lease losses | $124,000 | 4,561 |
| Total noninterest income | $406,000 | 5,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,345 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,052 |
| Total noninterest expense | $1,847,000 | 5,979 |
| Salaries and employee benefits | $829,000 | 6,640 |
| Premises and equipment expense | $351,000 | 4,886 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $1,425,000 | 4,670 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $331,000 | 5,464 |
| Income before extraordinary items | $1,095,000 | 4,385 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,095,000 | 4,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,640 |
| Cash dividends | $775,000 | 2,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,094,230 | 4,316 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,018,000 | 5,914 |
| Total interest expense | $2,341,000 | 5,774 |
| Net interest income | $2,677,000 | 5,914 |
| Provision for loan and lease losses | $155,000 | 3,992 |
| Total noninterest income | $350,000 | 6,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,185 |
| Total noninterest expense | $1,634,000 | 6,755 |
| Salaries and employee benefits | $785,000 | 7,055 |
| Premises and equipment expense | $281,000 | 5,823 |
| Additional noninterest expense | $568,000 | 6,563 |
| Pre-tax net operating income | $1,238,000 | 5,022 |
| Securities gains (losses) | $49,000 | 1,339 |
| Applicable income taxes | $279,000 | 6,074 |
| Income before extraordinary items | $1,008,000 | 4,477 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,008,000 | 4,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $1,090,000 | 2,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $969,780 | 4,556 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,675,000 | 6,263 |
| Total interest expense | $2,439,000 | 5,676 |
| Net interest income | $2,236,000 | 6,804 |
| Provision for loan and lease losses | $49,000 | 6,287 |
| Total noninterest income | $321,000 | 6,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,966 |
| Total noninterest expense | $1,617,000 | 6,935 |
| Salaries and employee benefits | $740,000 | 7,460 |
| Premises and equipment expense | $267,000 | 6,100 |
| Additional noninterest expense | $610,000 | 6,476 |
| Pre-tax net operating income | $891,000 | 6,466 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $115,000 | 8,883 |
| Income before extraordinary items | $777,000 | 5,557 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $777,000 | 5,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $405,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $776,130 | 5,546 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,250,000 | 6,416 |
| Total interest expense | $2,031,000 | 5,551 |
| Net interest income | $2,219,000 | 7,045 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $265,000 | 7,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,391 |
| Total noninterest expense | $1,621,000 | 7,230 |
| Salaries and employee benefits | $702,000 | 7,868 |
| Premises and equipment expense | $283,000 | 5,959 |
| Additional noninterest expense | $636,000 | 6,764 |
| Pre-tax net operating income | $863,000 | 6,574 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $130,000 | 8,710 |
| Income before extraordinary items | $730,000 | 5,730 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $730,000 | 5,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $182,000 | 5,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $732,550 | 5,788 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,370,000 | 6,447 |
| Total interest expense | $1,841,000 | 6,237 |
| Net interest income | $2,529,000 | 6,483 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $241,000 | 8,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,698 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,845 |
| Total noninterest expense | $1,714,000 | 7,152 |
| Salaries and employee benefits | $693,000 | 8,044 |
| Premises and equipment expense | $311,000 | 5,674 |
| Additional noninterest expense | $710,000 | 6,490 |
| Pre-tax net operating income | $906,000 | 6,322 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $150,000 | 8,653 |
| Income before extraordinary items | $756,000 | 5,798 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $756,000 | 5,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 7,435 |
| Cash dividends | $276,000 | 4,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $756,000 | 5,550 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,709,000 | 6,663 |
| Total interest expense | $2,254,000 | 6,497 |
| Net interest income | $2,455,000 | 6,684 |
| Provision for loan and lease losses | $49,000 | 9,137 |
| Total noninterest income | $268,000 | 8,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $1,572,000 | 7,664 |
| Salaries and employee benefits | $628,000 | 8,568 |
| Premises and equipment expense | $295,000 | 6,046 |
| Additional noninterest expense | $649,000 | 7,108 |
| Pre-tax net operating income | $1,102,000 | 5,255 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $127,000 | 9,192 |
| Income before extraordinary items | $977,000 | 4,594 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $977,000 | 4,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $327,000 | 3,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $975,240 | 4,279 |
* 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.