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The Oakley Improved Building and Loan Company, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$1,086,0009,530
Total interest expense$667,0009,021
Net interest income$419,0009,798
Provision for loan and lease losses$28,0007,340
Total noninterest income$48,0009,614
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$48,0008,128
Total noninterest expense$488,0009,657
Salaries and employee benefits$400,0008,885
Premises and equipment expense$19,00010,092
Additional noninterest expense$69,00010,097
Pre-tax net operating income$-49,0009,485
Securities gains (losses)$03,155
Applicable income taxes$12,0008,432
Income before extraordinary items$-61,0009,529
Extraordinary gains, net$035
Net income$-61,0009,527
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-61,0009,506
1998-12-31 (YTD Data)Rank
Total interest income$1,146,0009,716
Total interest expense$729,0009,125
Net interest income$417,00010,055
Provision for loan and lease losses$08,652
Total noninterest income$26,00010,144
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$26,0009,196
Total noninterest expense$333,00010,199
Salaries and employee benefits$254,0009,860
Premises and equipment expense$14,00010,370
Additional noninterest expense$65,00010,333
Pre-tax net operating income$110,0009,368
Securities gains (losses)$90,0001,353
Applicable income taxes$65,0008,075
Income before extraordinary items$135,0009,081
Extraordinary gains, net$032
Net income$135,0009,079
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$74,7009,429
1997-12-31 (YTD Data)Rank
Total interest income$1,145,00010,136
Total interest expense$708,0009,517
Net interest income$437,00010,507
Provision for loan and lease losses$08,829
Total noninterest income$29,00010,589
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$29,0009,379
Total noninterest expense$309,00010,684
Salaries and employee benefits$241,00010,323
Premises and equipment expense$14,00010,816
Additional noninterest expense$54,00010,813
Pre-tax net operating income$157,0009,805
Securities gains (losses)$03,944
Applicable income taxes$29,0009,573
Income before extraordinary items$128,0009,776
Extraordinary gains, net$044
Net income$128,0009,776
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$128,0009,730
1996-12-31 (YTD Data)Rank
Total interest income$1,117,00010,648
Total interest expense$690,0009,996
Net interest income$427,00011,048
Provision for loan and lease losses$5,0008,822
Total noninterest income$34,00011,089
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$34,0009,653
Total noninterest expense$402,00010,959
Salaries and employee benefits$230,00010,834
Premises and equipment expense$14,00011,350
Additional noninterest expense$158,00010,460
Pre-tax net operating income$54,00010,577
Securities gains (losses)$04,148
Applicable income taxes$4,00010,471
Income before extraordinary items$50,00010,582
Extraordinary gains, net$053
Net income$50,00010,580
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$50,00010,526
1995-12-31 (YTD Data)Rank
Total interest income$1,106,00011,105
Total interest expense$676,00010,392
Net interest income$430,00011,534
Provision for loan and lease losses$08,958
Total noninterest income$27,00011,697
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$27,00010,452
Total noninterest expense$368,00011,538
Salaries and employee benefits$273,00010,974
Premises and equipment expense$14,00011,861
Additional noninterest expense$81,00011,757
Pre-tax net operating income$89,00011,141
Securities gains (losses)$61,0001,185
Applicable income taxes$48,00010,228
Income before extraordinary items$102,00010,914
Extraordinary gains, net$065
Net income$102,00010,915
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$60,52011,201
1994-12-31 (YTD Data)Rank
Total interest income$1,051,00011,614
Total interest expense$614,00010,536
Net interest income$437,00012,165
Provision for loan and lease losses$2,0009,032
Total noninterest income$27,00012,310
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$27,00010,986
Total noninterest expense$341,00012,238
Salaries and employee benefits$248,00011,681
Premises and equipment expense$16,00012,478
Additional noninterest expense$77,00012,450
Pre-tax net operating income$121,00011,487
Securities gains (losses)$55,0001,094
Applicable income taxes$44,00010,609
Income before extraordinary items$132,00011,039
Extraordinary gains, net$-12,00012,503
Net income$120,00011,168
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$90,75011,516
1993-12-31 (YTD Data)Rank
Total interest income$1,076,00012,125
Total interest expense$615,00011,050
Net interest income$461,00012,663
Provision for loan and lease losses$4,00010,179
Total noninterest income$28,00012,964
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$28,00011,437
Total noninterest expense$319,00012,923
Salaries and employee benefits$234,00012,337
Premises and equipment expense$13,00013,180
Additional noninterest expense$72,00013,126
Pre-tax net operating income$166,00011,348
Securities gains (losses)$07,477
Applicable income taxes$48,00010,991
Income before extraordinary items$118,00011,596
Extraordinary gains, net$03,149
Net income$118,00011,650
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$118,00011,395
1992-12-31 (YTD Data)Rank
Total interest income$1,123,00012,782
Total interest expense$721,00011,701
Net interest income$402,00013,387
Provision for loan and lease losses$4,00011,584
Total noninterest income$37,00013,409
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$37,00011,257
Total noninterest expense$309,00013,539
Salaries and employee benefits$225,00012,882
Premises and equipment expense$16,00013,750
Additional noninterest expense$68,00013,756
Pre-tax net operating income$126,00011,752
Securities gains (losses)$08,369
Applicable income taxes$15,00012,232
Income before extraordinary items$111,00011,796
Extraordinary gains, net$01,422
Net income$111,00011,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$111,00011,482

* 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.