Home > The Irving Bank > Income and Expense
The Irving Bank, Income and Expense
1998-12-31 (YTD Data) | Rank | |
Total interest income | $8,501,000 | 3,712 |
Total interest expense | $4,052,000 | 3,645 |
Net interest income | $4,449,000 | 3,764 |
Provision for loan and lease losses | $0 | 8,652 |
Total noninterest income | $198,000 | 7,604 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $143,000 | 6,047 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $55,000 | 7,990 |
Total noninterest expense | $2,629,000 | 4,601 |
Salaries and employee benefits | $1,452,000 | 4,344 |
Premises and equipment expense | $390,000 | 4,514 |
Additional noninterest expense | $787,000 | 4,738 |
Pre-tax net operating income | $2,018,000 | 3,321 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $784,000 | 2,789 |
Income before extraordinary items | $1,234,000 | 3,841 |
Extraordinary gains, net | $0 | 32 |
Net income | $1,234,000 | 3,839 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $26,000 | 5,973 |
Cash dividends | $1,333,000 | 1,811 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $1,234,000 | 3,750 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $8,101,000 | 3,929 |
Total interest expense | $3,719,000 | 3,939 |
Net interest income | $4,382,000 | 3,898 |
Provision for loan and lease losses | $0 | 8,829 |
Total noninterest income | $260,000 | 7,102 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $190,000 | 5,493 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $70,000 | 7,697 |
Total noninterest expense | $2,378,000 | 4,987 |
Salaries and employee benefits | $1,400,000 | 4,501 |
Premises and equipment expense | $379,000 | 4,626 |
Additional noninterest expense | $599,000 | 5,821 |
Pre-tax net operating income | $2,264,000 | 3,177 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $787,000 | 2,968 |
Income before extraordinary items | $1,477,000 | 3,406 |
Extraordinary gains, net | $0 | 44 |
Net income | $1,477,000 | 3,406 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $177,000 | 2,743 |
Cash dividends | $555,000 | 3,238 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $1,477,000 | 3,331 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $7,717,000 | 4,170 |
Total interest expense | $3,417,000 | 4,272 |
Net interest income | $4,300,000 | 4,032 |
Provision for loan and lease losses | $-96,000 | 11,255 |
Total noninterest income | $212,000 | 8,058 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $170,000 | 6,126 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $42,000 | 9,253 |
Total noninterest expense | $2,550,000 | 4,925 |
Salaries and employee benefits | $1,308,000 | 4,829 |
Premises and equipment expense | $395,000 | 4,577 |
Additional noninterest expense | $847,000 | 4,969 |
Pre-tax net operating income | $2,058,000 | 3,354 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $710,000 | 3,144 |
Income before extraordinary items | $1,348,000 | 3,516 |
Extraordinary gains, net | $0 | 53 |
Net income | $1,348,000 | 3,515 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-63,000 | 11,105 |
Cash dividends | $747,000 | 2,644 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $1,348,000 | 3,471 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $7,997,000 | 4,017 |
Total interest expense | $3,326,000 | 4,339 |
Net interest income | $4,671,000 | 3,752 |
Provision for loan and lease losses | $480,000 | 1,623 |
Total noninterest income | $203,000 | 8,383 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $152,000 | 6,619 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $51,000 | 9,186 |
Total noninterest expense | $2,313,000 | 5,328 |
Salaries and employee benefits | $1,254,000 | 5,021 |
Premises and equipment expense | $412,000 | 4,418 |
Additional noninterest expense | $647,000 | 6,223 |
Pre-tax net operating income | $2,081,000 | 3,363 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $680,000 | 3,320 |
Income before extraordinary items | $1,401,000 | 3,463 |
Extraordinary gains, net | $0 | 65 |
Net income | $1,401,000 | 3,461 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $175,000 | 2,724 |
Cash dividends | $737,000 | 2,572 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $1,401,000 | 3,428 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $7,077,000 | 4,184 |
Total interest expense | $2,707,000 | 4,327 |
Net interest income | $4,370,000 | 4,031 |
Provision for loan and lease losses | $400,000 | 1,822 |
Total noninterest income | $172,000 | 9,264 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $115,000 | 7,712 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $57,000 | 9,251 |
Total noninterest expense | $2,362,000 | 5,417 |
Salaries and employee benefits | $1,268,000 | 4,995 |
Premises and equipment expense | $418,000 | 4,420 |
Additional noninterest expense | $676,000 | 6,499 |
Pre-tax net operating income | $1,780,000 | 3,780 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $551,000 | 3,762 |
Income before extraordinary items | $1,229,000 | 3,770 |
Extraordinary gains, net | $0 | 249 |
Net income | $1,229,000 | 3,776 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $196,000 | 2,531 |
Cash dividends | $3,669,000 | 700 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $1,229,000 | 3,805 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $6,408,000 | 4,668 |
Total interest expense | $2,693,000 | 4,521 |
Net interest income | $3,715,000 | 4,713 |
Provision for loan and lease losses | $230,000 | 3,613 |
Total noninterest income | $205,000 | 9,141 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $146,000 | 7,195 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $59,000 | 9,584 |
Total noninterest expense | $2,274,000 | 5,714 |
Salaries and employee benefits | $1,157,000 | 5,400 |
Premises and equipment expense | $404,000 | 4,673 |
Additional noninterest expense | $713,000 | 6,460 |
Pre-tax net operating income | $1,416,000 | 4,556 |
Securities gains (losses) | $0 | 7,477 |
Applicable income taxes | $400,000 | 5,007 |
Income before extraordinary items | $1,016,000 | 4,646 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $1,016,000 | 4,773 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $336,000 | 2,300 |
Cash dividends | $618,000 | 2,593 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $1,016,000 | 4,402 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $6,518,000 | 5,127 |
Total interest expense | $3,258,000 | 4,829 |
Net interest income | $3,260,000 | 5,325 |
Provision for loan and lease losses | $125,000 | 6,594 |
Total noninterest income | $207,000 | 9,281 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $142,000 | 7,335 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $65,000 | 9,539 |
Total noninterest expense | $2,059,000 | 6,223 |
Salaries and employee benefits | $1,011,000 | 5,965 |
Premises and equipment expense | $357,000 | 5,287 |
Additional noninterest expense | $691,000 | 6,815 |
Pre-tax net operating income | $1,283,000 | 4,658 |
Securities gains (losses) | $175,000 | 2,204 |
Applicable income taxes | $356,000 | 5,267 |
Income before extraordinary items | $1,102,000 | 4,123 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $1,102,000 | 4,167 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-317,000 | 13,890 |
Cash dividends | $383,000 | 3,442 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $969,000 | 4,308 |
* 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.