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The Phalen Bank, Income and Expense

1994-12-31 (YTD Data)Rank
Total interest income$1,053,00011,606
Total interest expense$282,00012,092
Net interest income$771,00011,149
Provision for loan and lease losses$7,0008,694
Total noninterest income$233,0008,201
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$228,0005,375
Trading account gains and feesNANA
Additional Noninterest Income$5,00012,349
Total noninterest expense$548,00011,363
Salaries and employee benefits$298,00011,226
Premises and equipment expense$61,00011,267
Additional noninterest expense$187,00011,316
Pre-tax net operating income$449,0009,001
Securities gains (losses)$03,600
Applicable income taxes$156,0008,187
Income before extraordinary items$293,0009,217
Extraordinary gains, net$0249
Net income$293,0009,222
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$280,0004,679
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$293,0009,287
1993-12-31 (YTD Data)Rank
Total interest income$1,137,00012,010
Total interest expense$371,00012,350
Net interest income$766,00011,637
Provision for loan and lease losses$18,0009,198
Total noninterest income$289,0007,815
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$285,0004,624
Trading account gains and feesNANA
Additional Noninterest Income$4,00013,083
Total noninterest expense$579,00011,754
Salaries and employee benefits$298,00011,665
Premises and equipment expense$67,00011,617
Additional noninterest expense$214,00011,548
Pre-tax net operating income$458,0008,954
Securities gains (losses)$30,0004,104
Applicable income taxes$168,0008,248
Income before extraordinary items$320,0009,232
Extraordinary gains, net$03,149
Net income$320,0009,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$290,0004,525
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$300,2009,213
1992-12-31 (YTD Data)Rank
Total interest income$1,318,00012,364
Total interest expense$492,00012,794
Net interest income$826,00011,807
Provision for loan and lease losses$40,0009,471
Total noninterest income$221,0009,009
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$215,0005,714
Trading account gains and feesNANA
Additional Noninterest Income$6,00013,603
Total noninterest expense$577,00012,194
Salaries and employee benefits$302,00011,986
Premises and equipment expense$52,00012,611
Additional noninterest expense$223,00011,919
Pre-tax net operating income$430,0008,961
Securities gains (losses)$52,0004,050
Applicable income taxes$168,0008,209
Income before extraordinary items$314,0009,109
Extraordinary gains, net$01,422
Net income$314,0009,256
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0007,883
Cash dividends$190,0005,228
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$280,2009,172

* 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.