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The Elverson National Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$22,409,0001,440
Total interest expense$9,843,0001,553
Net interest income$12,566,0001,349
Provision for loan and lease losses$860,0001,111
Total noninterest income$1,706,0002,054
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$809,0001,567
Trading account gains and fees$0224
Additional Noninterest Income$897,0002,016
Total noninterest expense$9,949,0001,322
Salaries and employee benefits$5,003,0001,314
Premises and equipment expense$1,744,0001,111
Additional noninterest expense$3,202,0001,373
Pre-tax net operating income$3,463,0002,089
Securities gains (losses)$17,0002,560
Applicable income taxes$1,045,0002,230
Income before extraordinary items$2,435,0002,143
Extraordinary gains, net$032
Net income$2,435,0002,141
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$716,000958
Cash dividends$616,0003,075
Sale, conversion, retirement of capital stock, net$406,000588
Net operating income$2,423,1002,087
1997-12-31 (YTD Data)Rank
Total interest income$20,477,0001,618
Total interest expense$8,627,0001,799
Net interest income$11,850,0001,462
Provision for loan and lease losses$988,0001,001
Total noninterest income$1,512,0002,180
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$772,0001,679
Trading account gains and fees$0239
Additional Noninterest Income$740,0002,141
Total noninterest expense$8,270,0001,591
Salaries and employee benefits$4,336,0001,499
Premises and equipment expense$1,485,0001,323
Additional noninterest expense$2,449,0001,730
Pre-tax net operating income$4,104,0001,845
Securities gains (losses)$19,0001,923
Applicable income taxes$1,193,0002,097
Income before extraordinary items$2,930,0001,803
Extraordinary gains, net$044
Net income$2,930,0001,801
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$635,0001,105
Cash dividends$563,0003,218
Sale, conversion, retirement of capital stock, net$525,000534
Net operating income$2,916,5101,773
1996-12-31 (YTD Data)Rank
Total interest income$18,113,0001,870
Total interest expense$7,895,0001,983
Net interest income$10,218,0001,731
Provision for loan and lease losses$600,0001,497
Total noninterest income$1,436,0002,373
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$589,0002,306
Trading account gains and fees$0262
Additional Noninterest Income$847,0002,020
Total noninterest expense$7,704,0001,842
Salaries and employee benefits$3,657,0001,804
Premises and equipment expense$1,407,0001,443
Additional noninterest expense$2,640,0001,930
Pre-tax net operating income$3,350,0002,138
Securities gains (losses)$04,148
Applicable income taxes$983,0002,389
Income before extraordinary items$2,367,0002,098
Extraordinary gains, net$053
Net income$2,367,0002,099
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$280,0002,178
Cash dividends$387,0003,998
Sale, conversion, retirement of capital stock, net$542,000456
Net operating income$2,367,0002,053
1995-12-31 (YTD Data)Rank
Total interest income$16,426,0002,044
Total interest expense$7,574,0002,072
Net interest income$8,852,0002,031
Provision for loan and lease losses$700,0001,215
Total noninterest income$1,089,0002,920
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$543,0002,479
Trading account gains and fees$0522
Additional Noninterest Income$546,0002,711
Total noninterest expense$7,018,0001,970
Salaries and employee benefits$3,230,0002,057
Premises and equipment expense$1,291,0001,573
Additional noninterest expense$2,497,0001,995
Pre-tax net operating income$2,223,0003,183
Securities gains (losses)$10,0002,384
Applicable income taxes$611,0003,616
Income before extraordinary items$1,622,0003,022
Extraordinary gains, net$065
Net income$1,622,0003,018
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$237,0002,253
Cash dividends$353,0004,151
Sale, conversion, retirement of capital stock, net$602,000350
Net operating income$1,614,7003,010
1994-12-31 (YTD Data)Rank
Total interest income$13,240,0002,306
Total interest expense$4,988,0002,469
Net interest income$8,252,0002,194
Provision for loan and lease losses$330,0002,106
Total noninterest income$1,700,0002,079
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$436,0003,130
Trading account gains and fees$0475
Additional Noninterest Income$1,264,0001,575
Total noninterest expense$6,412,0002,196
Salaries and employee benefits$2,838,0002,364
Premises and equipment expense$1,280,0001,612
Additional noninterest expense$2,294,0002,296
Pre-tax net operating income$3,210,0002,213
Securities gains (losses)$50,0001,155
Applicable income taxes$906,0002,464
Income before extraordinary items$2,354,0002,077
Extraordinary gains, net$0249
Net income$2,354,0002,075
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$232,0002,255
Cash dividends$287,0004,632
Sale, conversion, retirement of capital stock, net$713,000488
Net operating income$2,318,0002,128
1993-12-31 (YTD Data)Rank
Total interest income$12,547,0002,455
Total interest expense$4,773,0002,693
Net interest income$7,774,0002,304
Provision for loan and lease losses$616,0001,810
Total noninterest income$1,529,0002,414
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$403,0003,416
Trading account gains and fees$0532
Additional Noninterest Income$1,126,0001,878
Total noninterest expense$5,610,0002,554
Salaries and employee benefits$2,321,0002,839
Premises and equipment expense$1,003,0002,045
Additional noninterest expense$2,286,0002,431
Pre-tax net operating income$3,077,0002,213
Securities gains (losses)$07,477
Applicable income taxes$739,0002,953
Income before extraordinary items$2,338,0002,143
Extraordinary gains, net$03,149
Net income$2,338,0002,222
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0007,294
Cash dividends$253,0004,806
Sale, conversion, retirement of capital stock, net$120,000852
Net operating income$2,338,0002,015
1992-12-31 (YTD Data)Rank
Total interest income$12,046,0002,910
Total interest expense$5,258,0003,151
Net interest income$6,788,0002,684
Provision for loan and lease losses$500,0002,991
Total noninterest income$793,0004,007
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$433,0003,235
Trading account gains and fees$0504
Additional Noninterest Income$360,0003,961
Total noninterest expense$4,899,0002,919
Salaries and employee benefits$2,342,0002,770
Premises and equipment expense$733,0002,813
Additional noninterest expense$1,824,0003,026
Pre-tax net operating income$2,182,0002,859
Securities gains (losses)$08,369
Applicable income taxes$468,0004,218
Income before extraordinary items$1,714,0002,681
Extraordinary gains, net$01,422
Net income$1,714,0002,720
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,0004,645
Cash dividends$241,0004,575
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,714,0002,481

* 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.