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The Lamar Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$32,004,0001,096
Total interest expense$18,352,000970
Net interest income$13,652,0001,285
Provision for loan and lease losses$2,832,000483
Total noninterest income$3,685,0001,136
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$2,295,000580
Trading account gains and fees$0180
Additional Noninterest Income$1,390,0001,468
Total noninterest expense$10,871,0001,266
Salaries and employee benefits$5,882,0001,202
Premises and equipment expense$2,106,000947
Additional noninterest expense$2,883,0001,553
Pre-tax net operating income$3,634,0002,008
Securities gains (losses)$01,956
Applicable income taxes$705,0002,760
Income before extraordinary items$2,929,0001,781
Extraordinary gains, net$038
Net income$2,929,0001,781
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,619,000538
Cash dividends$850,0002,553
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,929,0001,774
1999-12-31 (YTD Data)Rank
Total interest income$30,157,0001,085
Total interest expense$16,809,000931
Net interest income$13,348,0001,305
Provision for loan and lease losses$1,422,000739
Total noninterest income$3,317,0001,250
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$2,116,000624
Trading account gains and fees$0173
Additional Noninterest Income$1,201,0001,637
Total noninterest expense$9,505,0001,457
Salaries and employee benefits$5,204,0001,333
Premises and equipment expense$1,868,0001,083
Additional noninterest expense$2,433,0001,811
Pre-tax net operating income$5,738,0001,330
Securities gains (losses)$6,0002,044
Applicable income taxes$1,543,0001,561
Income before extraordinary items$4,201,0001,288
Extraordinary gains, net$035
Net income$4,201,0001,288
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$716,000913
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$4,196,6201,270
1998-12-31 (YTD Data)Rank
Total interest income$23,990,0001,342
Total interest expense$13,636,0001,130
Net interest income$10,354,0001,644
Provision for loan and lease losses$785,0001,199
Total noninterest income$2,979,0001,355
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,778,000690
Trading account gains and fees$0224
Additional Noninterest Income$1,201,0001,627
Total noninterest expense$8,589,0001,551
Salaries and employee benefits$4,748,0001,384
Premises and equipment expense$1,645,0001,159
Additional noninterest expense$2,196,0001,924
Pre-tax net operating income$3,959,0001,840
Securities gains (losses)$314,000723
Applicable income taxes$1,131,0002,091
Income before extraordinary items$3,142,0001,683
Extraordinary gains, net$032
Net income$3,142,0001,683
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$323,0001,763
Cash dividends$750,0002,706
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,909,6401,739
1997-12-31 (YTD Data)Rank
Total interest income$20,289,0001,625
Total interest expense$10,226,0001,519
Net interest income$10,063,0001,731
Provision for loan and lease losses$644,0001,424
Total noninterest income$1,712,0001,992
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$802,0001,619
Trading account gains and fees$0239
Additional Noninterest Income$910,0001,849
Total noninterest expense$7,474,0001,741
Salaries and employee benefits$4,009,0001,637
Premises and equipment expense$1,477,0001,328
Additional noninterest expense$1,988,0002,098
Pre-tax net operating income$3,657,0002,053
Securities gains (losses)$-13,00010,166
Applicable income taxes$1,073,0002,299
Income before extraordinary items$2,571,0002,060
Extraordinary gains, net$044
Net income$2,571,0002,059
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$460,0001,430
Cash dividends$1,110,0001,997
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,580,2301,998
1996-12-31 (YTD Data)Rank
Total interest income$17,012,0001,984
Total interest expense$8,428,0001,873
Net interest income$8,584,0002,086
Provision for loan and lease losses$470,0001,822
Total noninterest income$1,493,0002,306
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$696,0001,951
Trading account gains and fees$0262
Additional Noninterest Income$797,0002,111
Total noninterest expense$6,831,0002,041
Salaries and employee benefits$3,544,0001,868
Premises and equipment expense$1,292,0001,573
Additional noninterest expense$1,995,0002,462
Pre-tax net operating income$2,776,0002,532
Securities gains (losses)$10,0002,493
Applicable income taxes$721,0003,112
Income before extraordinary items$2,065,0002,387
Extraordinary gains, net$053
Net income$2,065,0002,388
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$267,0002,255
Cash dividends$475,0003,536
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,057,6002,345
1995-12-31 (YTD Data)Rank
Total interest income$14,390,0002,340
Total interest expense$7,100,0002,191
Net interest income$7,290,0002,465
Provision for loan and lease losses$504,0001,554
Total noninterest income$1,266,0002,598
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$588,0002,306
Trading account gains and fees$0522
Additional Noninterest Income$678,0002,342
Total noninterest expense$6,073,0002,240
Salaries and employee benefits$3,038,0002,188
Premises and equipment expense$1,219,0001,653
Additional noninterest expense$1,816,0002,614
Pre-tax net operating income$1,979,0003,529
Securities gains (losses)$03,831
Applicable income taxes$477,0004,345
Income before extraordinary items$1,502,0003,245
Extraordinary gains, net$065
Net income$1,502,0003,244
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$416,0001,559
Cash dividends$615,0002,874
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,502,0003,221
1994-12-31 (YTD Data)Rank
Total interest income$11,728,0002,588
Total interest expense$5,307,0002,329
Net interest income$6,421,0002,816
Provision for loan and lease losses$551,0001,425
Total noninterest income$1,251,0002,652
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$594,0002,293
Trading account gains and fees$0475
Additional Noninterest Income$657,0002,441
Total noninterest expense$5,448,0002,559
Salaries and employee benefits$2,746,0002,437
Premises and equipment expense$1,029,0001,974
Additional noninterest expense$1,673,0003,007
Pre-tax net operating income$1,673,0004,013
Securities gains (losses)$-32,00010,707
Applicable income taxes$425,0004,559
Income before extraordinary items$1,216,0003,804
Extraordinary gains, net$0249
Net income$1,216,0003,809
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$351,0001,717
Cash dividends$275,0004,709
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,239,6803,775
1993-12-31 (YTD Data)Rank
Total interest income$10,370,0002,986
Total interest expense$4,592,0002,810
Net interest income$5,778,0003,136
Provision for loan and lease losses$454,0002,247
Total noninterest income$1,073,0003,160
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$478,0002,926
Trading account gains and fees$3,000479
Additional Noninterest Income$592,0002,920
Total noninterest expense$4,663,0003,031
Salaries and employee benefits$2,377,0002,780
Premises and equipment expense$815,0002,514
Additional noninterest expense$1,471,0003,565
Pre-tax net operating income$1,734,0003,823
Securities gains (losses)$85,0002,724
Applicable income taxes$505,0004,146
Income before extraordinary items$1,314,0003,672
Extraordinary gains, net$03,149
Net income$1,314,0003,785
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$140,0003,831
Cash dividends$275,0004,630
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,252,8003,646
1992-12-31 (YTD Data)Rank
Total interest income$10,290,0003,394
Total interest expense$4,599,0003,570
Net interest income$5,691,0003,217
Provision for loan and lease losses$709,0002,350
Total noninterest income$489,0005,738
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$403,0003,458
Trading account gains and fees$-46,0005,246
Additional Noninterest Income$132,0007,114
Total noninterest expense$3,722,0003,716
Salaries and employee benefits$1,997,0003,210
Premises and equipment expense$587,0003,429
Additional noninterest expense$1,138,0004,556
Pre-tax net operating income$1,749,0003,518
Securities gains (losses)$114,0002,803
Applicable income taxes$617,0003,354
Income before extraordinary items$1,246,0003,679
Extraordinary gains, net$01,422
Net income$1,246,0003,722
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$353,0003,041
Cash dividends$300,0003,979
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,169,6203,617

* 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.