Home > The Oakland National Bank > Income and Expense

The Oakland National Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,468,000	10,158
Total interest expense	$653,000	10,111
Net interest income	$815,000	10,071
Provision for loan and lease losses	$0	9,041
Total noninterest income	$104,000	9,819
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	8,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	8,719
Total noninterest expense	$645,000	10,012
Salaries and employee benefits	$353,000	9,931
Premises and equipment expense	$58,000	10,410
Additional noninterest expense	$234,000	9,568
Pre-tax net operating income	$274,000	9,298
Securities gains (losses)	$0	4,148
Applicable income taxes	$99,000	8,762
Income before extraordinary items	$175,000	9,540
Extraordinary gains, net	$0	53
Net income	$175,000	9,541
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,320
Cash dividends	$65,000	7,287
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$175,000	9,485
1995-12-31 (YTD Data)		Rank
Total interest income	$1,383,000	10,709
Total interest expense	$591,000	10,699
Net interest income	$792,000	10,555
Provision for loan and lease losses	$0	8,958
Total noninterest income	$95,000	10,385
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	8,987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	9,867
Total noninterest expense	$645,000	10,388
Salaries and employee benefits	$345,000	10,374
Premises and equipment expense	$55,000	10,933
Additional noninterest expense	$245,000	9,885
Pre-tax net operating income	$242,000	10,175
Securities gains (losses)	$-5,000	9,676
Applicable income taxes	$88,000	9,430
Income before extraordinary items	$149,000	10,471
Extraordinary gains, net	$0	65
Net income	$149,000	10,475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	10,972
Cash dividends	$100,000	6,741
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$152,200	10,421
1994-12-31 (YTD Data)		Rank
Total interest income	$316,000	12,512
Total interest expense	$123,000	12,483
Net interest income	$193,000	12,512
Provision for loan and lease losses	$0	9,146
Total noninterest income	$16,000	12,418
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	10,704
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	12,349
Total noninterest expense	$184,000	12,528
Salaries and employee benefits	$100,000	12,510
Premises and equipment expense	$15,000	12,492
Additional noninterest expense	$69,000	12,474
Pre-tax net operating income	$25,000	12,005
Securities gains (losses)	$0	3,600
Applicable income taxes	$9,000	11,400
Income before extraordinary items	$16,000	11,982
Extraordinary gains, net	$0	249
Net income	$16,000	11,982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,447
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$16,000	12,016
1993-12-31 (YTD Data)		Rank
Total interest income	$1,277,000	11,738
Total interest expense	$544,000	11,449
Net interest income	$733,000	11,745
Provision for loan and lease losses	$0	10,371
Total noninterest income	$79,000	11,824
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,068
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	11,374
Total noninterest expense	$643,000	11,416
Salaries and employee benefits	$331,000	11,347
Premises and equipment expense	$74,000	11,370
Additional noninterest expense	$238,000	11,227
Pre-tax net operating income	$169,000	11,324
Securities gains (losses)	$6,000	5,977
Applicable income taxes	$4,000	11,985
Income before extraordinary items	$171,000	10,966
Extraordinary gains, net	$0	3,149
Net income	$171,000	11,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-34,000	12,436
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$165,120	10,820
1992-12-31 (YTD Data)		Rank
Total interest income	$1,420,000	12,148
Total interest expense	$719,000	11,710
Net interest income	$701,000	12,313
Provision for loan and lease losses	$0	11,756
Total noninterest income	$118,000	11,242
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	10,268
Trading account gains and fees	NA	NA
Additional Noninterest Income	$67,000	9,442
Total noninterest expense	$610,000	12,001
Salaries and employee benefits	$315,000	11,848
Premises and equipment expense	$69,000	11,913
Additional noninterest expense	$226,000	11,876
Pre-tax net operating income	$209,000	10,992
Securities gains (losses)	$0	8,369
Applicable income taxes	$55,000	11,116
Income before extraordinary items	$154,000	11,216
Extraordinary gains, net	$21,000	1,217
Net income	$175,000	11,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	10,255
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$154,000	10,876

* 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.