Home > The Irving Bank > Income and Expense

The Irving Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$8,501,0003,712
Total interest expense$4,052,0003,645
Net interest income$4,449,0003,764
Provision for loan and lease losses$08,652
Total noninterest income$198,0007,604
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$143,0006,047
Trading account gains and feesNANA
Additional Noninterest Income$55,0007,990
Total noninterest expense$2,629,0004,601
Salaries and employee benefits$1,452,0004,344
Premises and equipment expense$390,0004,514
Additional noninterest expense$787,0004,738
Pre-tax net operating income$2,018,0003,321
Securities gains (losses)$04,449
Applicable income taxes$784,0002,789
Income before extraordinary items$1,234,0003,841
Extraordinary gains, net$032
Net income$1,234,0003,839
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0005,973
Cash dividends$1,333,0001,811
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,234,0003,750
1997-12-31 (YTD Data)Rank
Total interest income$8,101,0003,929
Total interest expense$3,719,0003,939
Net interest income$4,382,0003,898
Provision for loan and lease losses$08,829
Total noninterest income$260,0007,102
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$190,0005,493
Trading account gains and feesNANA
Additional Noninterest Income$70,0007,697
Total noninterest expense$2,378,0004,987
Salaries and employee benefits$1,400,0004,501
Premises and equipment expense$379,0004,626
Additional noninterest expense$599,0005,821
Pre-tax net operating income$2,264,0003,177
Securities gains (losses)$03,944
Applicable income taxes$787,0002,968
Income before extraordinary items$1,477,0003,406
Extraordinary gains, net$044
Net income$1,477,0003,406
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$177,0002,743
Cash dividends$555,0003,238
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,477,0003,331
1996-12-31 (YTD Data)Rank
Total interest income$7,717,0004,170
Total interest expense$3,417,0004,272
Net interest income$4,300,0004,032
Provision for loan and lease losses$-96,00011,255
Total noninterest income$212,0008,058
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$170,0006,126
Trading account gains and feesNANA
Additional Noninterest Income$42,0009,253
Total noninterest expense$2,550,0004,925
Salaries and employee benefits$1,308,0004,829
Premises and equipment expense$395,0004,577
Additional noninterest expense$847,0004,969
Pre-tax net operating income$2,058,0003,354
Securities gains (losses)$04,148
Applicable income taxes$710,0003,144
Income before extraordinary items$1,348,0003,516
Extraordinary gains, net$053
Net income$1,348,0003,515
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-63,00011,105
Cash dividends$747,0002,644
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,348,0003,471
1995-12-31 (YTD Data)Rank
Total interest income$7,997,0004,017
Total interest expense$3,326,0004,339
Net interest income$4,671,0003,752
Provision for loan and lease losses$480,0001,623
Total noninterest income$203,0008,383
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$152,0006,619
Trading account gains and feesNANA
Additional Noninterest Income$51,0009,186
Total noninterest expense$2,313,0005,328
Salaries and employee benefits$1,254,0005,021
Premises and equipment expense$412,0004,418
Additional noninterest expense$647,0006,223
Pre-tax net operating income$2,081,0003,363
Securities gains (losses)$03,831
Applicable income taxes$680,0003,320
Income before extraordinary items$1,401,0003,463
Extraordinary gains, net$065
Net income$1,401,0003,461
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$175,0002,724
Cash dividends$737,0002,572
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,401,0003,428
1994-12-31 (YTD Data)Rank
Total interest income$7,077,0004,184
Total interest expense$2,707,0004,327
Net interest income$4,370,0004,031
Provision for loan and lease losses$400,0001,822
Total noninterest income$172,0009,264
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$115,0007,712
Trading account gains and feesNANA
Additional Noninterest Income$57,0009,251
Total noninterest expense$2,362,0005,417
Salaries and employee benefits$1,268,0004,995
Premises and equipment expense$418,0004,420
Additional noninterest expense$676,0006,499
Pre-tax net operating income$1,780,0003,780
Securities gains (losses)$03,600
Applicable income taxes$551,0003,762
Income before extraordinary items$1,229,0003,770
Extraordinary gains, net$0249
Net income$1,229,0003,776
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$196,0002,531
Cash dividends$3,669,000700
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,229,0003,805
1993-12-31 (YTD Data)Rank
Total interest income$6,408,0004,668
Total interest expense$2,693,0004,521
Net interest income$3,715,0004,713
Provision for loan and lease losses$230,0003,613
Total noninterest income$205,0009,141
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$146,0007,195
Trading account gains and feesNANA
Additional Noninterest Income$59,0009,584
Total noninterest expense$2,274,0005,714
Salaries and employee benefits$1,157,0005,400
Premises and equipment expense$404,0004,673
Additional noninterest expense$713,0006,460
Pre-tax net operating income$1,416,0004,556
Securities gains (losses)$07,477
Applicable income taxes$400,0005,007
Income before extraordinary items$1,016,0004,646
Extraordinary gains, net$03,149
Net income$1,016,0004,773
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$336,0002,300
Cash dividends$618,0002,593
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,016,0004,402
1992-12-31 (YTD Data)Rank
Total interest income$6,518,0005,127
Total interest expense$3,258,0004,829
Net interest income$3,260,0005,325
Provision for loan and lease losses$125,0006,594
Total noninterest income$207,0009,281
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$142,0007,335
Trading account gains and feesNANA
Additional Noninterest Income$65,0009,539
Total noninterest expense$2,059,0006,223
Salaries and employee benefits$1,011,0005,965
Premises and equipment expense$357,0005,287
Additional noninterest expense$691,0006,815
Pre-tax net operating income$1,283,0004,658
Securities gains (losses)$175,0002,204
Applicable income taxes$356,0005,267
Income before extraordinary items$1,102,0004,123
Extraordinary gains, net$01,422
Net income$1,102,0004,167
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-317,00013,890
Cash dividends$383,0003,442
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$969,0004,308

* 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.