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The Champaign National Bank, Income and Expense

1994-12-31 (YTD Data)Rank
Total interest income$18,010,0001,706
Total interest expense$7,693,0001,639
Net interest income$10,317,0001,753
Provision for loan and lease losses$525,0001,486
Total noninterest income$3,003,0001,362
Gross Fiduciary activities income$1,145,000495
Service charges on deposit accounts$663,0002,043
Trading account gains and fees$0475
Additional Noninterest Income$1,195,0001,630
Total noninterest expense$9,103,0001,617
Salaries and employee benefits$4,978,0001,358
Premises and equipment expense$1,191,0001,733
Additional noninterest expense$2,934,0001,848
Pre-tax net operating income$3,692,0001,928
Securities gains (losses)$173,000548
Applicable income taxes$1,239,0001,833
Income before extraordinary items$2,626,0001,858
Extraordinary gains, net$0249
Net income$2,626,0001,856
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-98,00012,214
Cash dividends$815,0002,241
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,508,3601,949
1993-12-31 (YTD Data)Rank
Total interest income$16,104,0001,949
Total interest expense$6,787,0001,913
Net interest income$9,317,0001,946
Provision for loan and lease losses$600,0001,833
Total noninterest income$3,195,0001,388
Gross Fiduciary activities income$1,077,000529
Service charges on deposit accounts$704,0001,936
Trading account gains and fees$0532
Additional Noninterest Income$1,414,0001,624
Total noninterest expense$8,698,0001,742
Salaries and employee benefits$4,843,0001,386
Premises and equipment expense$1,056,0001,958
Additional noninterest expense$2,799,0002,021
Pre-tax net operating income$3,214,0002,124
Securities gains (losses)$198,0001,706
Applicable income taxes$1,067,0002,115
Income before extraordinary items$2,345,0002,137
Extraordinary gains, net$03,149
Net income$2,345,0002,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$657,0001,493
Cash dividends$300,0004,359
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,208,3802,132
1992-12-31 (YTD Data)Rank
Total interest income$17,217,0002,056
Total interest expense$8,746,0001,938
Net interest income$8,471,0002,151
Provision for loan and lease losses$645,0002,503
Total noninterest income$3,002,0001,439
Gross Fiduciary activities income$994,000558
Service charges on deposit accounts$674,0002,017
Trading account gains and fees$0504
Additional Noninterest Income$1,334,0001,637
Total noninterest expense$8,140,0001,860
Salaries and employee benefits$4,606,0001,441
Premises and equipment expense$820,0002,527
Additional noninterest expense$2,714,0002,171
Pre-tax net operating income$2,688,0002,299
Securities gains (losses)$209,0001,956
Applicable income taxes$877,0002,378
Income before extraordinary items$2,020,0002,268
Extraordinary gains, net$01,422
Net income$2,020,0002,300
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$367,0002,973
Cash dividends$285,0004,167
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,873,7002,273

* 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.