Home > The National Bank of Carmi > Income and Expense
The National Bank of Carmi, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,916,000 | 5,868 |
| Total interest expense | $2,128,000 | 6,029 |
| Net interest income | $2,788,000 | 5,597 |
| Provision for loan and lease losses | $260,000 | 2,876 |
| Total noninterest income | $179,000 | 8,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 6,454 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,689 |
| Total noninterest expense | $1,657,000 | 6,399 |
| Salaries and employee benefits | $885,000 | 6,370 |
| Premises and equipment expense | $212,000 | 6,635 |
| Additional noninterest expense | $560,000 | 6,049 |
| Pre-tax net operating income | $1,050,000 | 5,679 |
| Securities gains (losses) | $-22,000 | 10,409 |
| Applicable income taxes | $439,000 | 4,606 |
| Income before extraordinary items | $589,000 | 6,433 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $589,000 | 6,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,381 |
| Cash dividends | $1,229,000 | 1,857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $603,080 | 6,297 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,680,000 | 6,222 |
| Total interest expense | $2,180,000 | 6,080 |
| Net interest income | $2,500,000 | 6,190 |
| Provision for loan and lease losses | $23,000 | 7,847 |
| Total noninterest income | $177,000 | 8,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,678 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 9,447 |
| Total noninterest expense | $1,722,000 | 6,568 |
| Salaries and employee benefits | $874,000 | 6,590 |
| Premises and equipment expense | $235,000 | 6,465 |
| Additional noninterest expense | $613,000 | 6,274 |
| Pre-tax net operating income | $932,000 | 5,982 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $252,000 | 6,426 |
| Income before extraordinary items | $682,000 | 5,838 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $682,000 | 5,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 1,793 |
| Cash dividends | $1,386,000 | 1,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $680,540 | 5,788 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,767,000 | 6,189 |
| Total interest expense | $2,215,000 | 6,059 |
| Net interest income | $2,552,000 | 6,222 |
| Provision for loan and lease losses | $400,000 | 1,857 |
| Total noninterest income | $206,000 | 8,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,059 |
| Total noninterest expense | $1,768,000 | 6,549 |
| Salaries and employee benefits | $878,000 | 6,665 |
| Premises and equipment expense | $275,000 | 5,986 |
| Additional noninterest expense | $615,000 | 6,443 |
| Pre-tax net operating income | $590,000 | 7,927 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $123,000 | 8,748 |
| Income before extraordinary items | $464,000 | 7,521 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $464,000 | 7,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 11,120 |
| Cash dividends | $746,000 | 2,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $466,370 | 7,475 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,481,000 | 6,163 |
| Total interest expense | $1,885,000 | 5,868 |
| Net interest income | $2,596,000 | 6,279 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $183,000 | 9,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,407 |
| Total noninterest expense | $1,792,000 | 6,706 |
| Salaries and employee benefits | $849,000 | 6,930 |
| Premises and equipment expense | $259,000 | 6,372 |
| Additional noninterest expense | $684,000 | 6,442 |
| Pre-tax net operating income | $987,000 | 6,019 |
| Securities gains (losses) | $-21,000 | 10,372 |
| Applicable income taxes | $237,000 | 6,725 |
| Income before extraordinary items | $729,000 | 5,739 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $729,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $725,000 | 2,453 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $744,750 | 5,710 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,905,000 | 6,980 |
| Total interest expense | $1,686,000 | 6,667 |
| Net interest income | $2,219,000 | 7,131 |
| Provision for loan and lease losses | $86,000 | 6,164 |
| Total noninterest income | $134,000 | 10,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 8,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,209 |
| Total noninterest expense | $1,376,000 | 8,258 |
| Salaries and employee benefits | $668,000 | 8,241 |
| Premises and equipment expense | $214,000 | 7,406 |
| Additional noninterest expense | $494,000 | 8,274 |
| Pre-tax net operating income | $891,000 | 6,380 |
| Securities gains (losses) | $-9,000 | 12,743 |
| Applicable income taxes | $115,000 | 9,413 |
| Income before extraordinary items | $767,000 | 5,742 |
| Extraordinary gains, net | $37,000 | 2,352 |
| Net income | $804,000 | 5,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 2,262 |
| Cash dividends | $650,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $774,830 | 5,469 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,505,000 | 6,891 |
| Total interest expense | $2,121,000 | 6,812 |
| Net interest income | $2,384,000 | 6,820 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $123,000 | 11,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 9,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,399 |
| Total noninterest expense | $1,426,000 | 8,188 |
| Salaries and employee benefits | $660,000 | 8,308 |
| Premises and equipment expense | $227,000 | 7,234 |
| Additional noninterest expense | $539,000 | 8,097 |
| Pre-tax net operating income | $1,069,000 | 5,366 |
| Securities gains (losses) | $67,000 | 3,651 |
| Applicable income taxes | $242,000 | 6,787 |
| Income before extraordinary items | $894,000 | 4,958 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $894,000 | 5,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 13,172 |
| Cash dividends | $800,000 | 1,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $841,070 | 4,853 |
* 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.