Home > The Equity Bank > Income and Expense

The Equity Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$9,206,0003,471
Total interest expense$3,508,0004,123
Net interest income$5,698,0003,023
Provision for loan and lease losses$15,0007,946
Total noninterest income$348,0006,026
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$247,0004,531
Trading account gains and fees$0224
Additional Noninterest Income$101,0006,607
Total noninterest expense$2,510,0004,768
Salaries and employee benefits$1,183,0005,115
Premises and equipment expense$362,0004,769
Additional noninterest expense$965,0004,074
Pre-tax net operating income$3,521,0002,058
Securities gains (losses)$104,0001,246
Applicable income taxes$1,486,0001,648
Income before extraordinary items$2,139,0002,405
Extraordinary gains, net$032
Net income$2,139,0002,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,0004,228
Cash dividends$735,0002,763
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,072,4402,393
1997-12-31 (YTD Data)Rank
Total interest income$9,166,0003,525
Total interest expense$3,378,0004,246
Net interest income$5,788,0003,019
Provision for loan and lease losses$248,0002,967
Total noninterest income$291,0006,746
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$222,0005,021
Trading account gains and fees$0239
Additional Noninterest Income$69,0007,730
Total noninterest expense$2,897,0004,213
Salaries and employee benefits$1,213,0005,048
Premises and equipment expense$366,0004,744
Additional noninterest expense$1,318,0003,075
Pre-tax net operating income$2,934,0002,537
Securities gains (losses)$-34,00010,551
Applicable income taxes$1,146,0002,178
Income before extraordinary items$1,754,0002,900
Extraordinary gains, net$044
Net income$1,754,0002,899
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$100,0003,830
Cash dividends$2,189,0001,212
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,775,7602,815
1996-12-31 (YTD Data)Rank
Total interest income$9,130,0003,570
Total interest expense$3,541,0004,149
Net interest income$5,589,0003,163
Provision for loan and lease losses$945,0001,072
Total noninterest income$425,0005,751
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$198,0005,597
Trading account gains and fees$0262
Additional Noninterest Income$227,0004,833
Total noninterest expense$2,718,0004,679
Salaries and employee benefits$1,400,0004,587
Premises and equipment expense$379,0004,733
Additional noninterest expense$939,0004,626
Pre-tax net operating income$2,351,0002,970
Securities gains (losses)$04,148
Applicable income taxes$895,0002,590
Income before extraordinary items$1,456,0003,286
Extraordinary gains, net$053
Net income$1,456,0003,285
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,225,000785
Cash dividends$149,0006,087
Sale, conversion, retirement of capital stock, net$-439,00011,395
Net operating income$1,456,0003,253
1995-12-31 (YTD Data)Rank
Total interest income$772,00011,558
Total interest expense$355,00011,464
Net interest income$417,00011,571
Provision for loan and lease losses$50,0006,165
Total noninterest income$22,00011,760
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$18,00010,054
Trading account gains and fees$0522
Additional Noninterest Income$4,00011,796
Total noninterest expense$249,00011,815
Salaries and employee benefits$110,00011,850
Premises and equipment expense$37,00011,447
Additional noninterest expense$102,00011,596
Pre-tax net operating income$140,00010,831
Securities gains (losses)$-5,0009,676
Applicable income taxes$58,00010,021
Income before extraordinary items$77,00011,122
Extraordinary gains, net$065
Net income$77,00011,120
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0007,374
Cash dividends$118,0006,537
Sale, conversion, retirement of capital stock, net$-1,221,00010,522
Net operating income$80,20011,078
1994-12-31 (YTD Data)Rank
Total interest income$7,803,0003,828
Total interest expense$2,620,0004,456
Net interest income$5,183,0003,449
Provision for loan and lease losses$465,0001,633
Total noninterest income$498,0005,308
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$235,0005,273
Trading account gains and feesNANA
Additional Noninterest Income$263,0004,452
Total noninterest expense$3,482,0003,863
Salaries and employee benefits$1,302,0004,871
Premises and equipment expense$454,0004,125
Additional noninterest expense$1,726,0002,931
Pre-tax net operating income$1,734,0003,889
Securities gains (losses)$-111,00011,601
Applicable income taxes$719,0003,031
Income before extraordinary items$904,0004,895
Extraordinary gains, net$0249
Net income$904,0004,902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$705,0001,084
Cash dividends$121,0006,514
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$975,0404,662
1993-12-31 (YTD Data)Rank
Total interest income$7,133,0004,248
Total interest expense$2,810,0004,358
Net interest income$4,323,0004,101
Provision for loan and lease losses$1,021,0001,276
Total noninterest income$679,0004,534
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$223,0005,548
Trading account gains and feesNANA
Additional Noninterest Income$456,0003,456
Total noninterest expense$3,172,0004,294
Salaries and employee benefits$1,363,0004,676
Premises and equipment expense$419,0004,536
Additional noninterest expense$1,390,0003,728
Pre-tax net operating income$809,0006,761
Securities gains (losses)$526,000869
Applicable income taxes$590,0003,661
Income before extraordinary items$745,0005,853
Extraordinary gains, net$03,149
Net income$745,0006,005
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$471,0001,831
Cash dividends$84,0007,236
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$408,3608,070
1992-12-31 (YTD Data)Rank
Total interest income$7,183,0004,720
Total interest expense$3,379,0004,682
Net interest income$3,804,0004,655
Provision for loan and lease losses$606,0002,604
Total noninterest income$390,0006,648
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$214,0005,737
Trading account gains and feesNANA
Additional Noninterest Income$176,0006,108
Total noninterest expense$2,583,0005,157
Salaries and employee benefits$1,155,0005,359
Premises and equipment expense$396,0004,831
Additional noninterest expense$1,032,0004,928
Pre-tax net operating income$1,005,0005,596
Securities gains (losses)$107,0002,901
Applicable income taxes$492,0004,057
Income before extraordinary items$620,0006,436
Extraordinary gains, net$01,422
Net income$620,0006,503
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$291,0003,394
Cash dividends$56,0007,543
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$551,5206,550

* 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.