Home > The Bright National Bank > Income and Expense
The Bright National Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,070,000 | 2,613 |
| Total interest expense | $6,284,000 | 2,543 |
| Net interest income | $6,786,000 | 2,638 |
| Provision for loan and lease losses | $357,000 | 2,872 |
| Total noninterest income | $1,234,000 | 2,874 |
| Gross Fiduciary activities income | $65,000 | 1,086 |
| Service charges on deposit accounts | $593,000 | 2,456 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $576,000 | 2,899 |
| Total noninterest expense | $4,531,000 | 3,073 |
| Salaries and employee benefits | $2,673,000 | 2,787 |
| Premises and equipment expense | $446,000 | 4,263 |
| Additional noninterest expense | $1,412,000 | 3,033 |
| Pre-tax net operating income | $3,132,000 | 2,172 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $1,179,000 | 1,838 |
| Income before extraordinary items | $1,955,000 | 2,585 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,955,000 | 2,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,124 |
| Cash dividends | $1,192,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,953,720 | 2,509 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,985,000 | 2,484 |
| Total interest expense | $6,775,000 | 2,485 |
| Net interest income | $7,210,000 | 2,462 |
| Provision for loan and lease losses | $779,000 | 1,300 |
| Total noninterest income | $985,000 | 3,166 |
| Gross Fiduciary activities income | $77,000 | 985 |
| Service charges on deposit accounts | $590,000 | 2,325 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $318,000 | 3,795 |
| Total noninterest expense | $4,273,000 | 3,148 |
| Salaries and employee benefits | $2,498,000 | 2,833 |
| Premises and equipment expense | $478,000 | 3,927 |
| Additional noninterest expense | $1,297,000 | 3,181 |
| Pre-tax net operating income | $3,143,000 | 2,304 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,256,000 | 1,758 |
| Income before extraordinary items | $1,887,000 | 2,698 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,887,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $762,000 | 909 |
| Cash dividends | $1,479,000 | 1,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,887,000 | 2,699 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,791,000 | 2,738 |
| Total interest expense | $5,041,000 | 2,901 |
| Net interest income | $6,750,000 | 2,593 |
| Provision for loan and lease losses | $301,000 | 2,616 |
| Total noninterest income | $974,000 | 3,148 |
| Gross Fiduciary activities income | $108,000 | 980 |
| Service charges on deposit accounts | $510,000 | 2,587 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $356,000 | 3,665 |
| Total noninterest expense | $3,988,000 | 3,323 |
| Salaries and employee benefits | $2,415,000 | 2,898 |
| Premises and equipment expense | $412,000 | 4,423 |
| Additional noninterest expense | $1,161,000 | 3,542 |
| Pre-tax net operating income | $3,435,000 | 2,141 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,268,000 | 1,825 |
| Income before extraordinary items | $2,167,000 | 2,406 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,167,000 | 2,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,176 |
| Cash dividends | $1,072,000 | 2,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,167,000 | 2,374 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,050,000 | 2,921 |
| Total interest expense | $4,923,000 | 3,043 |
| Net interest income | $6,127,000 | 2,804 |
| Provision for loan and lease losses | $178,000 | 3,829 |
| Total noninterest income | $1,115,000 | 2,850 |
| Gross Fiduciary activities income | $117,000 | 979 |
| Service charges on deposit accounts | $422,000 | 2,987 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $576,000 | 2,713 |
| Total noninterest expense | $3,882,000 | 3,302 |
| Salaries and employee benefits | $2,323,000 | 2,914 |
| Premises and equipment expense | $461,000 | 3,929 |
| Additional noninterest expense | $1,098,000 | 3,626 |
| Pre-tax net operating income | $3,182,000 | 2,246 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,164,000 | 2,054 |
| Income before extraordinary items | $2,018,000 | 2,529 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,018,000 | 2,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,193 |
| Cash dividends | $1,359,000 | 1,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,018,000 | 2,448 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,296,000 | 3,154 |
| Total interest expense | $4,657,000 | 3,190 |
| Net interest income | $5,639,000 | 3,097 |
| Provision for loan and lease losses | $335,000 | 2,401 |
| Total noninterest income | $877,000 | 3,359 |
| Gross Fiduciary activities income | $95,000 | 1,060 |
| Service charges on deposit accounts | $391,000 | 3,277 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $391,000 | 3,325 |
| Total noninterest expense | $3,554,000 | 3,554 |
| Salaries and employee benefits | $2,159,000 | 3,070 |
| Premises and equipment expense | $447,000 | 4,067 |
| Additional noninterest expense | $948,000 | 4,105 |
| Pre-tax net operating income | $2,627,000 | 2,795 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $927,000 | 2,592 |
| Income before extraordinary items | $1,701,000 | 2,991 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,701,000 | 2,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,907 |
| Cash dividends | $1,310,000 | 1,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,700,350 | 2,936 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,451,000 | 3,448 |
| Total interest expense | $4,455,000 | 3,349 |
| Net interest income | $4,996,000 | 3,538 |
| Provision for loan and lease losses | $318,000 | 2,468 |
| Total noninterest income | $747,000 | 3,888 |
| Gross Fiduciary activities income | $100,000 | 1,107 |
| Service charges on deposit accounts | $330,000 | 3,945 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $317,000 | 3,946 |
| Total noninterest expense | $3,575,000 | 3,705 |
| Salaries and employee benefits | $2,106,000 | 3,178 |
| Premises and equipment expense | $448,000 | 4,127 |
| Additional noninterest expense | $1,021,000 | 4,336 |
| Pre-tax net operating income | $1,850,000 | 3,625 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $602,000 | 3,574 |
| Income before extraordinary items | $1,248,000 | 3,753 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,248,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $973,000 | 2,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,248,000 | 3,702 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,911,000 | 3,647 |
| Total interest expense | $4,262,000 | 3,490 |
| Net interest income | $4,649,000 | 3,777 |
| Provision for loan and lease losses | $298,000 | 2,323 |
| Total noninterest income | $800,000 | 3,687 |
| Gross Fiduciary activities income | $83,000 | 1,202 |
| Service charges on deposit accounts | $305,000 | 4,239 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $412,000 | 3,255 |
| Total noninterest expense | $3,490,000 | 3,759 |
| Salaries and employee benefits | $1,904,000 | 3,458 |
| Premises and equipment expense | $559,000 | 3,412 |
| Additional noninterest expense | $1,027,000 | 4,255 |
| Pre-tax net operating income | $1,661,000 | 4,096 |
| Securities gains (losses) | $-32,000 | 10,879 |
| Applicable income taxes | $787,000 | 2,912 |
| Income before extraordinary items | $842,000 | 5,249 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $842,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,995 |
| Cash dividends | $377,000 | 4,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $862,480 | 5,144 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,089,000 | 3,706 |
| Total interest expense | $3,673,000 | 3,318 |
| Net interest income | $4,416,000 | 3,985 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $856,000 | 3,500 |
| Gross Fiduciary activities income | $88,000 | 1,206 |
| Service charges on deposit accounts | $304,000 | 4,313 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $464,000 | 3,096 |
| Total noninterest expense | $3,679,000 | 3,675 |
| Salaries and employee benefits | $1,947,000 | 3,372 |
| Premises and equipment expense | $574,000 | 3,402 |
| Additional noninterest expense | $1,158,000 | 4,185 |
| Pre-tax net operating income | $1,473,000 | 4,478 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $458,000 | 4,327 |
| Income before extraordinary items | $1,011,000 | 4,504 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,011,000 | 4,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,795 |
| Cash dividends | $310,000 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,013,760 | 4,538 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,928,000 | 3,850 |
| Total interest expense | $3,711,000 | 3,396 |
| Net interest income | $4,217,000 | 4,193 |
| Provision for loan and lease losses | $285,000 | 3,115 |
| Total noninterest income | $795,000 | 4,009 |
| Gross Fiduciary activities income | $68,000 | 1,280 |
| Service charges on deposit accounts | $270,000 | 4,822 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $457,000 | 3,448 |
| Total noninterest expense | $3,445,000 | 3,966 |
| Salaries and employee benefits | $1,754,000 | 3,704 |
| Premises and equipment expense | $521,000 | 3,726 |
| Additional noninterest expense | $1,170,000 | 4,286 |
| Pre-tax net operating income | $1,282,000 | 4,916 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $411,000 | 4,914 |
| Income before extraordinary items | $870,000 | 5,218 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $870,000 | 5,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 4,033 |
| Cash dividends | $240,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $870,680 | 4,996 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,676,000 | 3,982 |
| Total interest expense | $4,328,000 | 3,794 |
| Net interest income | $4,348,000 | 4,134 |
| Provision for loan and lease losses | $295,000 | 4,193 |
| Total noninterest income | $700,000 | 4,411 |
| Gross Fiduciary activities income | $64,000 | 1,329 |
| Service charges on deposit accounts | $241,000 | 5,260 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $395,000 | 3,737 |
| Total noninterest expense | $3,452,000 | 3,974 |
| Salaries and employee benefits | $1,762,000 | 3,629 |
| Premises and equipment expense | $595,000 | 3,389 |
| Additional noninterest expense | $1,095,000 | 4,706 |
| Pre-tax net operating income | $1,301,000 | 4,607 |
| Securities gains (losses) | $74,000 | 3,490 |
| Applicable income taxes | $419,000 | 4,617 |
| Income before extraordinary items | $956,000 | 4,686 |
| Extraordinary gains, net | $-55,000 | 13,594 |
| Net income | $901,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 3,257 |
| Cash dividends | $339,000 | 3,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $904,200 | 4,597 |
* 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.