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Windthorst National Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$1,981,0008,713
Total interest expense$857,0008,793
Net interest income$1,124,0008,512
Provision for loan and lease losses$68,0005,924
Total noninterest income$166,0008,007
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$148,0005,972
Trading account gains and feesNANA
Additional Noninterest Income$18,0009,566
Total noninterest expense$948,0008,279
Salaries and employee benefits$461,0008,603
Premises and equipment expense$192,0006,833
Additional noninterest expense$295,0008,158
Pre-tax net operating income$274,0008,548
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$274,0008,087
Extraordinary gains, net$032
Net income$274,0008,086
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0007,302
Cash dividends$229,0005,115
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$274,0008,010
1997-12-31 (YTD Data)Rank
Total interest income$1,972,0009,041
Total interest expense$803,0009,252
Net interest income$1,169,0008,754
Provision for loan and lease losses$15,0008,110
Total noninterest income$201,0007,827
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$171,0005,813
Trading account gains and feesNANA
Additional Noninterest Income$30,0009,328
Total noninterest expense$908,0008,654
Salaries and employee benefits$440,0009,014
Premises and equipment expense$185,0007,111
Additional noninterest expense$283,0008,495
Pre-tax net operating income$447,0008,203
Securities gains (losses)$1,0003,559
Applicable income taxes$32,0009,533
Income before extraordinary items$416,0007,533
Extraordinary gains, net$044
Net income$416,0007,536
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0007,272
Cash dividends$193,0005,495
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$415,0707,486
1996-12-31 (YTD Data)Rank
Total interest income$1,760,0009,724
Total interest expense$736,0009,859
Net interest income$1,024,0009,491
Provision for loan and lease losses$50,0006,559
Total noninterest income$192,0008,339
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$174,0006,042
Trading account gains and feesNANA
Additional Noninterest Income$18,00010,521
Total noninterest expense$774,0009,530
Salaries and employee benefits$369,0009,823
Premises and equipment expense$134,0008,428
Additional noninterest expense$271,0009,181
Pre-tax net operating income$392,0008,553
Securities gains (losses)$04,148
Applicable income taxes$128,0008,253
Income before extraordinary items$264,0008,709
Extraordinary gains, net$053
Net income$264,0008,707
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-36,00010,916
Cash dividends$200,0005,388
Sale, conversion, retirement of capital stock, net$0953
Net operating income$264,0008,650
1995-12-31 (YTD Data)Rank
Total interest income$1,551,00010,436
Total interest expense$677,00010,389
Net interest income$874,00010,325
Provision for loan and lease losses$15,0007,935
Total noninterest income$159,0009,157
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$144,0006,790
Trading account gains and feesNANA
Additional Noninterest Income$15,00011,205
Total noninterest expense$654,00010,347
Salaries and employee benefits$321,00010,579
Premises and equipment expense$96,0009,727
Additional noninterest expense$237,0009,968
Pre-tax net operating income$364,0009,301
Securities gains (losses)$03,831
Applicable income taxes$124,0008,732
Income before extraordinary items$240,0009,502
Extraordinary gains, net$065
Net income$240,0009,507
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0005,140
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$240,0009,487
1994-12-31 (YTD Data)Rank
Total interest income$1,333,00011,071
Total interest expense$458,00011,284
Net interest income$875,00010,807
Provision for loan and lease losses$09,146
Total noninterest income$153,0009,643
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$128,0007,411
Trading account gains and feesNANA
Additional Noninterest Income$25,00011,111
Total noninterest expense$708,00010,664
Salaries and employee benefits$334,00010,901
Premises and equipment expense$106,0009,833
Additional noninterest expense$268,00010,315
Pre-tax net operating income$320,0009,989
Securities gains (losses)$03,600
Applicable income taxes$108,0009,171
Income before extraordinary items$212,00010,130
Extraordinary gains, net$0249
Net income$212,00010,142
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,704
Cash dividends$150,0006,052
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$212,00010,181
1993-12-31 (YTD Data)Rank
Total interest income$1,294,00011,698
Total interest expense$460,00011,892
Net interest income$834,00011,393
Provision for loan and lease losses$-25,00012,616
Total noninterest income$150,00010,210
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$130,0007,580
Trading account gains and feesNANA
Additional Noninterest Income$20,00012,038
Total noninterest expense$688,00011,222
Salaries and employee benefits$303,00011,615
Premises and equipment expense$108,00010,198
Additional noninterest expense$277,00010,732
Pre-tax net operating income$321,00010,066
Securities gains (losses)$-1,00012,247
Applicable income taxes$108,0009,551
Income before extraordinary items$212,00010,506
Extraordinary gains, net$03,149
Net income$212,00010,613
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,00012,190
Cash dividends$150,0006,064
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$212,66010,265
1992-12-31 (YTD Data)Rank
Total interest income$1,432,00012,123
Total interest expense$572,00012,427
Net interest income$860,00011,671
Provision for loan and lease losses$-51,00013,629
Total noninterest income$144,00010,610
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$118,0007,999
Trading account gains and feesNANA
Additional Noninterest Income$26,00012,093
Total noninterest expense$653,00011,763
Salaries and employee benefits$262,00012,472
Premises and equipment expense$63,00012,143
Additional noninterest expense$328,00010,457
Pre-tax net operating income$402,0009,233
Securities gains (losses)$08,369
Applicable income taxes$138,0008,935
Income before extraordinary items$264,0009,736
Extraordinary gains, net$01,422
Net income$264,0009,874
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0009,883
Cash dividends$77,0007,084
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$264,0009,367

* 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.