Home > The Dulaney National Bank of Marshall > Income and Expense

The Dulaney National Bank of Marshall, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,948,000	7,596
Total interest expense	$1,179,000	7,961
Net interest income	$1,769,000	7,122
Provision for loan and lease losses	$541,000	1,623
Total noninterest income	$59,000	9,700
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	8,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,387
Total noninterest expense	$974,000	8,199
Salaries and employee benefits	$482,000	8,476
Premises and equipment expense	$91,000	8,906
Additional noninterest expense	$401,000	7,210
Pre-tax net operating income	$313,000	8,313
Securities gains (losses)	$8,000	3,124
Applicable income taxes	$-20,000	10,057
Income before extraordinary items	$341,000	7,587
Extraordinary gains, net	$0	32
Net income	$341,000	7,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,450
Cash dividends	$540,000	3,350
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$333,000	7,545
1997-12-31 (YTD Data)		Rank
Total interest income	$2,991,000	7,759
Total interest expense	$1,156,000	8,240
Net interest income	$1,835,000	7,244
Provision for loan and lease losses	$0	8,829
Total noninterest income	$60,000	10,101
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	8,837
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,525
Total noninterest expense	$862,000	8,812
Salaries and employee benefits	$443,000	8,993
Premises and equipment expense	$93,000	9,130
Additional noninterest expense	$326,000	8,063
Pre-tax net operating income	$1,033,000	5,738
Securities gains (losses)	$-6,000	9,765
Applicable income taxes	$250,000	6,261
Income before extraordinary items	$777,000	5,557
Extraordinary gains, net	$0	44
Net income	$777,000	5,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,879
Cash dividends	$360,000	4,163
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$781,560	5,491
1996-12-31 (YTD Data)		Rank
Total interest income	$2,976,000	8,029
Total interest expense	$1,184,000	8,424
Net interest income	$1,792,000	7,576
Provision for loan and lease losses	$0	9,041
Total noninterest income	$60,000	10,673
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$32,000	9,343
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$835,000	9,297
Salaries and employee benefits	$420,000	9,472
Premises and equipment expense	$95,000	9,426
Additional noninterest expense	$320,000	8,670
Pre-tax net operating income	$1,017,000	5,676
Securities gains (losses)	$-5,000	9,952
Applicable income taxes	$217,000	6,883
Income before extraordinary items	$795,000	5,334
Extraordinary gains, net	$0	53
Net income	$795,000	5,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,357
Cash dividends	$270,000	4,778
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$798,950	5,254
1995-12-31 (YTD Data)		Rank
Total interest income	$2,754,000	8,557
Total interest expense	$1,107,000	8,883
Net interest income	$1,647,000	8,151
Provision for loan and lease losses	$0	8,958
Total noninterest income	$54,000	11,282
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	9,769
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,706
Total noninterest expense	$876,000	9,452
Salaries and employee benefits	$403,000	9,924
Premises and equipment expense	$102,000	9,565
Additional noninterest expense	$371,000	8,486
Pre-tax net operating income	$825,000	6,739
Securities gains (losses)	$17,000	2,020
Applicable income taxes	$165,000	8,017
Income before extraordinary items	$677,000	6,134
Extraordinary gains, net	$0	65
Net income	$677,000	6,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-39,000	11,353
Cash dividends	$260,000	4,875
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$663,400	6,201
1994-12-31 (YTD Data)		Rank
Total interest income	$2,409,000	9,077
Total interest expense	$984,000	8,763
Net interest income	$1,425,000	9,086
Provision for loan and lease losses	$0	9,146
Total noninterest income	$49,000	11,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	10,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,244
Total noninterest expense	$836,000	10,067
Salaries and employee benefits	$389,000	10,379
Premises and equipment expense	$91,000	10,316
Additional noninterest expense	$356,000	9,275
Pre-tax net operating income	$638,000	7,780
Securities gains (losses)	$-20,000	10,331
Applicable income taxes	$113,000	9,076
Income before extraordinary items	$505,000	7,268
Extraordinary gains, net	$0	249
Net income	$505,000	7,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	10,867
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$521,400	7,187
1993-12-31 (YTD Data)		Rank
Total interest income	$2,291,000	9,599
Total interest expense	$1,091,000	8,721
Net interest income	$1,200,000	10,064
Provision for loan and lease losses	$0	10,371
Total noninterest income	$52,000	12,494
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$32,000	10,686
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	12,038
Total noninterest expense	$828,000	10,532
Salaries and employee benefits	$400,000	10,634
Premises and equipment expense	$86,000	10,933
Additional noninterest expense	$342,000	9,932
Pre-tax net operating income	$424,000	9,224
Securities gains (losses)	$0	7,477
Applicable income taxes	$65,000	10,597
Income before extraordinary items	$359,000	8,843
Extraordinary gains, net	$0	3,149
Net income	$359,000	9,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	11,292
Cash dividends	$80,000	7,275
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$359,000	8,583
1992-12-31 (YTD Data)		Rank
Total interest income	$2,687,000	9,559
Total interest expense	$1,333,000	9,109
Net interest income	$1,354,000	9,782
Provision for loan and lease losses	$0	11,756
Total noninterest income	$56,000	12,964
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	10,969
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	12,330
Total noninterest expense	$817,000	10,927
Salaries and employee benefits	$401,000	10,848
Premises and equipment expense	$92,000	11,034
Additional noninterest expense	$324,000	10,509
Pre-tax net operating income	$593,000	7,760
Securities gains (losses)	$13,000	6,142
Applicable income taxes	$98,000	9,973
Income before extraordinary items	$508,000	7,252
Extraordinary gains, net	$0	1,422
Net income	$508,000	7,342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	9,274
Cash dividends	$280,000	4,201
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$497,080	6,970

* 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.