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The Home Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$863,00010,419
Total interest expense$405,00010,325
Net interest income$458,00010,467
Provision for loan and lease losses$115,0004,888
Total noninterest income$53,00010,234
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$33,0008,861
Trading account gains and feesNANA
Additional Noninterest Income$20,0009,849
Total noninterest expense$326,00010,646
Salaries and employee benefits$166,00010,672
Premises and equipment expense$40,00010,440
Additional noninterest expense$120,00010,343
Pre-tax net operating income$70,00010,182
Securities gains (losses)$03,944
Applicable income taxes$14,0009,835
Income before extraordinary items$56,00010,202
Extraordinary gains, net$044
Net income$56,00010,204
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0003,790
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$56,00010,169
1996-12-31 (YTD Data)Rank
Total interest income$826,00011,003
Total interest expense$381,00010,919
Net interest income$445,00011,009
Provision for loan and lease losses$31,0007,373
Total noninterest income$65,00010,584
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$45,0008,974
Trading account gains and feesNANA
Additional Noninterest Income$20,00010,411
Total noninterest expense$353,00011,106
Salaries and employee benefits$191,00011,059
Premises and equipment expense$45,00010,780
Additional noninterest expense$117,00010,924
Pre-tax net operating income$126,00010,229
Securities gains (losses)$-2,0009,485
Applicable income taxes$37,0009,921
Income before extraordinary items$87,00010,340
Extraordinary gains, net$053
Net income$87,00010,339
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0008,019
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$88,40010,278
1995-12-31 (YTD Data)Rank
Total interest income$754,00011,573
Total interest expense$376,00011,394
Net interest income$378,00011,647
Provision for loan and lease losses$10,0008,319
Total noninterest income$59,00011,185
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$44,0009,427
Trading account gains and feesNANA
Additional Noninterest Income$15,00011,205
Total noninterest expense$335,00011,635
Salaries and employee benefits$167,00011,665
Premises and equipment expense$51,00011,056
Additional noninterest expense$117,00011,452
Pre-tax net operating income$92,00011,128
Securities gains (losses)$03,831
Applicable income taxes$20,00010,754
Income before extraordinary items$72,00011,159
Extraordinary gains, net$065
Net income$72,00011,156
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$72,00011,134
1994-12-31 (YTD Data)Rank
Total interest income$709,00012,192
Total interest expense$331,00011,900
Net interest income$378,00012,271
Provision for loan and lease losses$09,146
Total noninterest income$54,00011,857
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$43,0009,936
Trading account gains and feesNANA
Additional Noninterest Income$11,00012,029
Total noninterest expense$307,00012,338
Salaries and employee benefits$158,00012,312
Premises and equipment expense$39,00012,012
Additional noninterest expense$110,00012,212
Pre-tax net operating income$125,00011,450
Securities gains (losses)$03,600
Applicable income taxes$31,00010,901
Income before extraordinary items$94,00011,442
Extraordinary gains, net$0249
Net income$94,00011,448
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$94,00011,483
1993-12-31 (YTD Data)Rank
Total interest income$648,00012,886
Total interest expense$306,00012,653
Net interest income$342,00012,924
Provision for loan and lease losses$010,371
Total noninterest income$49,00012,571
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$41,00010,371
Trading account gains and feesNANA
Additional Noninterest Income$8,00012,880
Total noninterest expense$308,00012,960
Salaries and employee benefits$149,00012,986
Premises and equipment expense$48,00012,290
Additional noninterest expense$111,00012,846
Pre-tax net operating income$83,00011,978
Securities gains (losses)$2,0006,773
Applicable income taxes$17,00011,667
Income before extraordinary items$68,00012,112
Extraordinary gains, net$03,149
Net income$68,00012,143
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0008,555
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$66,40011,973
1992-12-31 (YTD Data)Rank
Total interest income$635,00013,567
Total interest expense$320,00013,427
Net interest income$315,00013,597
Provision for loan and lease losses$14,00010,934
Total noninterest income$45,00013,226
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$38,00010,777
Trading account gains and feesNANA
Additional Noninterest Income$7,00013,545
Total noninterest expense$272,00013,649
Salaries and employee benefits$137,00013,639
Premises and equipment expense$29,00013,446
Additional noninterest expense$106,00013,469
Pre-tax net operating income$74,00012,246
Securities gains (losses)$08,369
Applicable income taxes$18,00012,166
Income before extraordinary items$56,00012,500
Extraordinary gains, net$01,422
Net income$56,00012,510
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,00010,474
Cash dividends$6,0008,796
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$56,00012,230

* 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.