Home > The Equity Bank > Income and Expense
The Equity Bank, Income and Expense
1998-12-31 (YTD Data) | Rank | |
Total interest income | $9,206,000 | 3,471 |
Total interest expense | $3,508,000 | 4,123 |
Net interest income | $5,698,000 | 3,023 |
Provision for loan and lease losses | $15,000 | 7,946 |
Total noninterest income | $348,000 | 6,026 |
Gross Fiduciary activities income | $0 | 1,398 |
Service charges on deposit accounts | $247,000 | 4,531 |
Trading account gains and fees | $0 | 224 |
Additional Noninterest Income | $101,000 | 6,607 |
Total noninterest expense | $2,510,000 | 4,768 |
Salaries and employee benefits | $1,183,000 | 5,115 |
Premises and equipment expense | $362,000 | 4,769 |
Additional noninterest expense | $965,000 | 4,074 |
Pre-tax net operating income | $3,521,000 | 2,058 |
Securities gains (losses) | $104,000 | 1,246 |
Applicable income taxes | $1,486,000 | 1,648 |
Income before extraordinary items | $2,139,000 | 2,405 |
Extraordinary gains, net | $0 | 32 |
Net income | $2,139,000 | 2,403 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $73,000 | 4,228 |
Cash dividends | $735,000 | 2,763 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $2,072,440 | 2,393 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $9,166,000 | 3,525 |
Total interest expense | $3,378,000 | 4,246 |
Net interest income | $5,788,000 | 3,019 |
Provision for loan and lease losses | $248,000 | 2,967 |
Total noninterest income | $291,000 | 6,746 |
Gross Fiduciary activities income | $0 | 1,450 |
Service charges on deposit accounts | $222,000 | 5,021 |
Trading account gains and fees | $0 | 239 |
Additional Noninterest Income | $69,000 | 7,730 |
Total noninterest expense | $2,897,000 | 4,213 |
Salaries and employee benefits | $1,213,000 | 5,048 |
Premises and equipment expense | $366,000 | 4,744 |
Additional noninterest expense | $1,318,000 | 3,075 |
Pre-tax net operating income | $2,934,000 | 2,537 |
Securities gains (losses) | $-34,000 | 10,551 |
Applicable income taxes | $1,146,000 | 2,178 |
Income before extraordinary items | $1,754,000 | 2,900 |
Extraordinary gains, net | $0 | 44 |
Net income | $1,754,000 | 2,899 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $100,000 | 3,830 |
Cash dividends | $2,189,000 | 1,212 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $1,775,760 | 2,815 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $9,130,000 | 3,570 |
Total interest expense | $3,541,000 | 4,149 |
Net interest income | $5,589,000 | 3,163 |
Provision for loan and lease losses | $945,000 | 1,072 |
Total noninterest income | $425,000 | 5,751 |
Gross Fiduciary activities income | $0 | 1,526 |
Service charges on deposit accounts | $198,000 | 5,597 |
Trading account gains and fees | $0 | 262 |
Additional Noninterest Income | $227,000 | 4,833 |
Total noninterest expense | $2,718,000 | 4,679 |
Salaries and employee benefits | $1,400,000 | 4,587 |
Premises and equipment expense | $379,000 | 4,733 |
Additional noninterest expense | $939,000 | 4,626 |
Pre-tax net operating income | $2,351,000 | 2,970 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $895,000 | 2,590 |
Income before extraordinary items | $1,456,000 | 3,286 |
Extraordinary gains, net | $0 | 53 |
Net income | $1,456,000 | 3,285 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,225,000 | 785 |
Cash dividends | $149,000 | 6,087 |
Sale, conversion, retirement of capital stock, net | $-439,000 | 11,395 |
Net operating income | $1,456,000 | 3,253 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $772,000 | 11,558 |
Total interest expense | $355,000 | 11,464 |
Net interest income | $417,000 | 11,571 |
Provision for loan and lease losses | $50,000 | 6,165 |
Total noninterest income | $22,000 | 11,760 |
Gross Fiduciary activities income | $0 | 1,590 |
Service charges on deposit accounts | $18,000 | 10,054 |
Trading account gains and fees | $0 | 522 |
Additional Noninterest Income | $4,000 | 11,796 |
Total noninterest expense | $249,000 | 11,815 |
Salaries and employee benefits | $110,000 | 11,850 |
Premises and equipment expense | $37,000 | 11,447 |
Additional noninterest expense | $102,000 | 11,596 |
Pre-tax net operating income | $140,000 | 10,831 |
Securities gains (losses) | $-5,000 | 9,676 |
Applicable income taxes | $58,000 | 10,021 |
Income before extraordinary items | $77,000 | 11,122 |
Extraordinary gains, net | $0 | 65 |
Net income | $77,000 | 11,120 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $11,000 | 7,374 |
Cash dividends | $118,000 | 6,537 |
Sale, conversion, retirement of capital stock, net | $-1,221,000 | 10,522 |
Net operating income | $80,200 | 11,078 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $7,803,000 | 3,828 |
Total interest expense | $2,620,000 | 4,456 |
Net interest income | $5,183,000 | 3,449 |
Provision for loan and lease losses | $465,000 | 1,633 |
Total noninterest income | $498,000 | 5,308 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $235,000 | 5,273 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $263,000 | 4,452 |
Total noninterest expense | $3,482,000 | 3,863 |
Salaries and employee benefits | $1,302,000 | 4,871 |
Premises and equipment expense | $454,000 | 4,125 |
Additional noninterest expense | $1,726,000 | 2,931 |
Pre-tax net operating income | $1,734,000 | 3,889 |
Securities gains (losses) | $-111,000 | 11,601 |
Applicable income taxes | $719,000 | 3,031 |
Income before extraordinary items | $904,000 | 4,895 |
Extraordinary gains, net | $0 | 249 |
Net income | $904,000 | 4,902 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $705,000 | 1,084 |
Cash dividends | $121,000 | 6,514 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $975,040 | 4,662 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $7,133,000 | 4,248 |
Total interest expense | $2,810,000 | 4,358 |
Net interest income | $4,323,000 | 4,101 |
Provision for loan and lease losses | $1,021,000 | 1,276 |
Total noninterest income | $679,000 | 4,534 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $223,000 | 5,548 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $456,000 | 3,456 |
Total noninterest expense | $3,172,000 | 4,294 |
Salaries and employee benefits | $1,363,000 | 4,676 |
Premises and equipment expense | $419,000 | 4,536 |
Additional noninterest expense | $1,390,000 | 3,728 |
Pre-tax net operating income | $809,000 | 6,761 |
Securities gains (losses) | $526,000 | 869 |
Applicable income taxes | $590,000 | 3,661 |
Income before extraordinary items | $745,000 | 5,853 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $745,000 | 6,005 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $471,000 | 1,831 |
Cash dividends | $84,000 | 7,236 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $408,360 | 8,070 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $7,183,000 | 4,720 |
Total interest expense | $3,379,000 | 4,682 |
Net interest income | $3,804,000 | 4,655 |
Provision for loan and lease losses | $606,000 | 2,604 |
Total noninterest income | $390,000 | 6,648 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $214,000 | 5,737 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $176,000 | 6,108 |
Total noninterest expense | $2,583,000 | 5,157 |
Salaries and employee benefits | $1,155,000 | 5,359 |
Premises and equipment expense | $396,000 | 4,831 |
Additional noninterest expense | $1,032,000 | 4,928 |
Pre-tax net operating income | $1,005,000 | 5,596 |
Securities gains (losses) | $107,000 | 2,901 |
Applicable income taxes | $492,000 | 4,057 |
Income before extraordinary items | $620,000 | 6,436 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $620,000 | 6,503 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $291,000 | 3,394 |
Cash dividends | $56,000 | 7,543 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $551,520 | 6,550 |
* 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.