Home > The Exchange Bank of Lenora > Income and Expense
The Exchange Bank of Lenora, Income and Expense
1998-12-31 (YTD Data) | Rank | |
Total interest income | $1,680,000 | 9,077 |
Total interest expense | $931,000 | 8,609 |
Net interest income | $749,000 | 9,380 |
Provision for loan and lease losses | $0 | 8,652 |
Total noninterest income | $102,000 | 8,996 |
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 | $65,000 | 7,637 |
Total noninterest expense | $784,000 | 8,826 |
Salaries and employee benefits | $580,000 | 7,872 |
Premises and equipment expense | $29,000 | 10,190 |
Additional noninterest expense | $175,000 | 9,400 |
Pre-tax net operating income | $67,000 | 9,555 |
Securities gains (losses) | $2,000 | 3,909 |
Applicable income taxes | $4,000 | 9,224 |
Income before extraordinary items | $65,000 | 9,538 |
Extraordinary gains, net | $0 | 32 |
Net income | $65,000 | 9,537 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-44,000 | 10,074 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $63,120 | 9,488 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $1,590,000 | 9,563 |
Total interest expense | $840,000 | 9,136 |
Net interest income | $750,000 | 9,808 |
Provision for loan and lease losses | $0 | 8,829 |
Total noninterest income | $95,000 | 9,510 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $37,000 | 8,760 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $58,000 | 8,093 |
Total noninterest expense | $747,000 | 9,231 |
Salaries and employee benefits | $544,000 | 8,294 |
Premises and equipment expense | $40,000 | 10,440 |
Additional noninterest expense | $163,000 | 9,847 |
Pre-tax net operating income | $98,000 | 10,078 |
Securities gains (losses) | $-10,000 | 10,039 |
Applicable income taxes | $19,000 | 9,739 |
Income before extraordinary items | $69,000 | 10,140 |
Extraordinary gains, net | $0 | 44 |
Net income | $69,000 | 10,142 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-2,000 | 9,540 |
Cash dividends | $0 | 7,871 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $76,800 | 10,062 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $1,498,000 | 10,111 |
Total interest expense | $782,000 | 9,702 |
Net interest income | $716,000 | 10,342 |
Provision for loan and lease losses | $11,000 | 8,496 |
Total noninterest income | $102,000 | 9,859 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $45,000 | 8,974 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $57,000 | 8,577 |
Total noninterest expense | $662,000 | 9,947 |
Salaries and employee benefits | $439,000 | 9,335 |
Premises and equipment expense | $48,000 | 10,693 |
Additional noninterest expense | $175,000 | 10,235 |
Pre-tax net operating income | $145,000 | 10,114 |
Securities gains (losses) | $1,000 | 3,760 |
Applicable income taxes | $8,000 | 10,393 |
Income before extraordinary items | $138,000 | 9,904 |
Extraordinary gains, net | $0 | 53 |
Net income | $138,000 | 9,903 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $11,000 | 7,424 |
Cash dividends | $0 | 8,336 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $137,050 | 9,861 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $1,444,000 | 10,624 |
Total interest expense | $769,000 | 10,056 |
Net interest income | $675,000 | 10,914 |
Provision for loan and lease losses | $1,000 | 8,909 |
Total noninterest income | $111,000 | 10,047 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $46,000 | 9,371 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $65,000 | 8,550 |
Total noninterest expense | $570,000 | 10,707 |
Salaries and employee benefits | $362,000 | 10,237 |
Premises and equipment expense | $38,000 | 11,427 |
Additional noninterest expense | $170,000 | 10,813 |
Pre-tax net operating income | $215,000 | 10,368 |
Securities gains (losses) | $-132,000 | 11,587 |
Applicable income taxes | $16,000 | 10,816 |
Income before extraordinary items | $67,000 | 11,190 |
Extraordinary gains, net | $0 | 65 |
Net income | $67,000 | 11,187 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 8,856 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $173,920 | 10,202 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $1,195,000 | 11,366 |
Total interest expense | $558,000 | 10,812 |
Net interest income | $637,000 | 11,587 |
Provision for loan and lease losses | $0 | 9,146 |
Total noninterest income | $95,000 | 10,864 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $43,000 | 9,936 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $52,000 | 9,512 |
Total noninterest expense | $608,000 | 11,083 |
Salaries and employee benefits | $379,000 | 10,473 |
Premises and equipment expense | $37,000 | 12,064 |
Additional noninterest expense | $192,000 | 11,243 |
Pre-tax net operating income | $124,000 | 11,457 |
Securities gains (losses) | $-68,000 | 11,275 |
Applicable income taxes | $35,000 | 10,807 |
Income before extraordinary items | $21,000 | 11,966 |
Extraordinary gains, net | $0 | 249 |
Net income | $21,000 | 11,967 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-3,000 | 10,214 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $64,520 | 11,742 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $1,278,000 | 11,735 |
Total interest expense | $542,000 | 11,462 |
Net interest income | $736,000 | 11,738 |
Provision for loan and lease losses | $0 | 10,371 |
Total noninterest income | $86,000 | 11,666 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $35,000 | 10,569 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $51,000 | 10,038 |
Total noninterest expense | $629,000 | 11,491 |
Salaries and employee benefits | $407,000 | 10,563 |
Premises and equipment expense | $34,000 | 12,727 |
Additional noninterest expense | $188,000 | 11,892 |
Pre-tax net operating income | $193,000 | 11,104 |
Securities gains (losses) | $3,000 | 6,505 |
Applicable income taxes | $43,000 | 11,097 |
Income before extraordinary items | $153,000 | 11,170 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $153,000 | 11,258 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 9,922 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $150,660 | 10,990 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $1,442,000 | 12,097 |
Total interest expense | $727,000 | 11,680 |
Net interest income | $715,000 | 12,261 |
Provision for loan and lease losses | $0 | 11,756 |
Total noninterest income | $145,000 | 10,591 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $31,000 | 11,039 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $114,000 | 7,627 |
Total noninterest expense | $591,000 | 12,116 |
Salaries and employee benefits | $382,000 | 11,066 |
Premises and equipment expense | $38,000 | 13,134 |
Additional noninterest expense | $171,000 | 12,650 |
Pre-tax net operating income | $269,000 | 10,433 |
Securities gains (losses) | $4,000 | 7,235 |
Applicable income taxes | $35,000 | 11,656 |
Income before extraordinary items | $238,000 | 10,066 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $238,000 | 10,219 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-8,000 | 12,698 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $234,520 | 9,764 |
* 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.