Home > Empire Bank > Income and Expense
Empire Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,305,000 | 3,213 |
| Total interest expense | $6,306,000 | 1,811 |
| Net interest income | $2,999,000 | 5,282 |
| Provision for loan and lease losses | $830,000 | 1,579 |
| Total noninterest income | $1,013,000 | 3,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,013,000 | 2,162 |
| Total noninterest expense | $3,904,000 | 3,623 |
| Salaries and employee benefits | $2,073,000 | 3,634 |
| Premises and equipment expense | $897,000 | 2,419 |
| Additional noninterest expense | $934,000 | 4,412 |
| Pre-tax net operating income | $-722,000 | 9,063 |
| Securities gains (losses) | $1,147,000 | 389 |
| Applicable income taxes | $166,000 | 5,375 |
| Income before extraordinary items | $259,000 | 7,515 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $259,000 | 7,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $911,000 | 1,056 |
| Cash dividends | $870,000 | 2,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-475,080 | 8,986 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,428,000 | 3,485 |
| Total interest expense | $5,104,000 | 3,100 |
| Net interest income | $4,324,000 | 3,885 |
| Provision for loan and lease losses | $255,000 | 3,548 |
| Total noninterest income | $1,017,000 | 3,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,017,000 | 2,017 |
| Total noninterest expense | $3,602,000 | 3,737 |
| Salaries and employee benefits | $2,016,000 | 3,571 |
| Premises and equipment expense | $798,000 | 2,635 |
| Additional noninterest expense | $788,000 | 4,835 |
| Pre-tax net operating income | $1,484,000 | 3,893 |
| Securities gains (losses) | $874,000 | 426 |
| Applicable income taxes | $976,000 | 2,106 |
| Income before extraordinary items | $1,382,000 | 3,431 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,382,000 | 3,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $930,000 | 2,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $822,640 | 4,680 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,604,000 | 3,896 |
| Total interest expense | $4,168,000 | 3,851 |
| Net interest income | $4,436,000 | 3,849 |
| Provision for loan and lease losses | $110,000 | 5,095 |
| Total noninterest income | $1,126,000 | 2,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,126,000 | 1,718 |
| Total noninterest expense | $3,428,000 | 3,769 |
| Salaries and employee benefits | $2,015,000 | 3,437 |
| Premises and equipment expense | $679,000 | 2,945 |
| Additional noninterest expense | $734,000 | 5,008 |
| Pre-tax net operating income | $2,024,000 | 3,297 |
| Securities gains (losses) | $243,000 | 375 |
| Applicable income taxes | $871,000 | 2,363 |
| Income before extraordinary items | $1,396,000 | 3,444 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,396,000 | 3,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,240,480 | 3,756 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,489,000 | 4,159 |
| Total interest expense | $3,386,000 | 4,151 |
| Net interest income | $4,103,000 | 4,084 |
| Provision for loan and lease losses | $18,000 | 7,756 |
| Total noninterest income | $1,033,000 | 3,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,033,000 | 1,820 |
| Total noninterest expense | $2,900,000 | 4,320 |
| Salaries and employee benefits | $1,736,000 | 3,859 |
| Premises and equipment expense | $531,000 | 3,585 |
| Additional noninterest expense | $633,000 | 5,628 |
| Pre-tax net operating income | $2,218,000 | 3,073 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $853,000 | 2,496 |
| Income before extraordinary items | $1,365,000 | 3,491 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,365,000 | 3,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,365,000 | 3,454 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,566,000 | 4,130 |
| Total interest expense | $3,609,000 | 4,010 |
| Net interest income | $3,957,000 | 4,156 |
| Provision for loan and lease losses | $20,000 | 7,729 |
| Total noninterest income | $973,000 | 3,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $973,000 | 1,890 |
| Total noninterest expense | $2,558,000 | 4,694 |
| Salaries and employee benefits | $1,511,000 | 4,212 |
| Premises and equipment expense | $485,000 | 3,789 |
| Additional noninterest expense | $562,000 | 6,004 |
| Pre-tax net operating income | $2,352,000 | 2,939 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $919,000 | 2,461 |
| Income before extraordinary items | $1,433,000 | 3,375 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,433,000 | 3,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,433,000 | 3,283 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,601,000 | 4,164 |
| Total interest expense | $3,743,000 | 3,922 |
| Net interest income | $3,858,000 | 4,370 |
| Provision for loan and lease losses | $21,000 | 7,856 |
| Total noninterest income | $966,000 | 3,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $966,000 | 1,778 |
| Total noninterest expense | $2,665,000 | 4,532 |
| Salaries and employee benefits | $1,589,000 | 4,035 |
| Premises and equipment expense | $458,000 | 3,991 |
| Additional noninterest expense | $618,000 | 5,699 |
| Pre-tax net operating income | $2,138,000 | 3,329 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $821,000 | 2,868 |
| Income before extraordinary items | $1,317,000 | 3,755 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,317,000 | 3,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $9,501,000 | 96 |
| Net operating income | $1,317,000 | 3,688 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,311,000 | 4,998 |
| Total interest expense | $3,255,000 | 4,453 |
| Net interest income | $3,056,000 | 5,361 |
| Provision for loan and lease losses | $55,000 | 6,421 |
| Total noninterest income | $799,000 | 3,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $799,000 | 2,106 |
| Total noninterest expense | $2,884,000 | 4,427 |
| Salaries and employee benefits | $1,379,000 | 4,636 |
| Premises and equipment expense | $481,000 | 3,893 |
| Additional noninterest expense | $1,024,000 | 4,323 |
| Pre-tax net operating income | $916,000 | 6,031 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $331,000 | 5,511 |
| Income before extraordinary items | $585,000 | 6,358 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $585,000 | 6,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $585,000 | 6,287 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,149,000 | 5,097 |
| Total interest expense | $3,178,000 | 4,510 |
| Net interest income | $2,971,000 | 5,538 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $300,000 | 7,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $300,000 | 4,001 |
| Total noninterest expense | $2,233,000 | 5,486 |
| Salaries and employee benefits | $1,286,000 | 4,903 |
| Premises and equipment expense | $389,000 | 4,649 |
| Additional noninterest expense | $558,000 | 6,793 |
| Pre-tax net operating income | $1,038,000 | 5,842 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $299,000 | 6,006 |
| Income before extraordinary items | $739,000 | 5,765 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $739,000 | 5,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $739,000 | 5,743 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,157,000 | 4,754 |
| Total interest expense | $2,684,000 | 4,361 |
| Net interest income | $3,473,000 | 4,976 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $205,000 | 8,647 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $205,000 | 5,180 |
| Total noninterest expense | $1,943,000 | 6,358 |
| Salaries and employee benefits | $1,123,000 | 5,559 |
| Premises and equipment expense | $313,000 | 5,526 |
| Additional noninterest expense | $507,000 | 7,773 |
| Pre-tax net operating income | $1,735,000 | 3,885 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $570,000 | 3,659 |
| Income before extraordinary items | $1,165,000 | 3,966 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,165,000 | 3,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,165,000 | 4,011 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,378,000 | 4,693 |
| Total interest expense | $2,733,000 | 4,466 |
| Net interest income | $3,645,000 | 4,782 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $277,000 | 7,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $277,000 | 4,693 |
| Total noninterest expense | $1,731,000 | 7,099 |
| Salaries and employee benefits | $975,000 | 6,275 |
| Premises and equipment expense | $364,000 | 5,080 |
| Additional noninterest expense | $392,000 | 9,347 |
| Pre-tax net operating income | $2,186,000 | 3,033 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $940,000 | 2,414 |
| Income before extraordinary items | $1,246,000 | 3,871 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,246,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,246,000 | 3,661 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,582,000 | 5,084 |
| Total interest expense | $3,226,000 | 4,866 |
| Net interest income | $3,356,000 | 5,202 |
| Provision for loan and lease losses | $82,000 | 7,825 |
| Total noninterest income | $277,000 | 8,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $277,000 | 4,654 |
| Total noninterest expense | $1,755,000 | 7,087 |
| Salaries and employee benefits | $832,000 | 7,050 |
| Premises and equipment expense | $349,000 | 5,384 |
| Additional noninterest expense | $574,000 | 7,740 |
| Pre-tax net operating income | $1,796,000 | 3,443 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $676,000 | 3,084 |
| Income before extraordinary items | $1,120,000 | 4,055 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,120,000 | 4,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,120,000 | 3,758 |
* 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.