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Academy Bank, Income and Expense

2005-03-31 (YTD Data)Rank
Total interest income$643,0006,944
Total interest expense$212,0006,390
Net interest income$431,0007,084
Provision for loan and lease losses$9,0005,480
Total noninterest income$113,0005,424
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$53,0004,860
Trading account gains and fees$0115
Additional Noninterest Income$60,0004,776
Total noninterest expense$381,0006,897
Salaries and employee benefits$199,0006,989
Premises and equipment expense$49,0006,814
Additional noninterest expense$133,0006,382
Pre-tax net operating income$154,0006,506
Securities gains (losses)$01,685
Applicable income taxes$59,0004,561
Income before extraordinary items$95,0006,983
Extraordinary gains, net$024
Net income$95,0006,985
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0003,295
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$95,0006,956
2004-12-31 (YTD Data)Rank
Total interest income$2,475,0006,912
Total interest expense$782,0006,324
Net interest income$1,693,0007,056
Provision for loan and lease losses$73,0005,442
Total noninterest income$539,0005,076
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$195,0005,277
Trading account gains and fees$0138
Additional Noninterest Income$344,0004,005
Total noninterest expense$1,547,0006,806
Salaries and employee benefits$794,0006,959
Premises and equipment expense$199,0006,782
Additional noninterest expense$554,0006,247
Pre-tax net operating income$612,0006,360
Securities gains (losses)$03,819
Applicable income taxes$223,0004,613
Income before extraordinary items$389,0006,831
Extraordinary gains, net$034
Net income$389,0006,833
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0004,446
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$389,0006,767
2004-09-30 (YTD Data)Rank
Total interest income$1,794,0007,010
Total interest expense$576,0006,350
Net interest income$1,218,0007,158
Provision for loan and lease losses$64,0005,058
Total noninterest income$367,0005,342
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$145,0005,337
Trading account gains and fees$0134
Additional Noninterest Income$222,0004,298
Total noninterest expense$1,142,0006,817
Salaries and employee benefits$588,0006,954
Premises and equipment expense$146,0006,792
Additional noninterest expense$408,0006,248
Pre-tax net operating income$379,0006,830
Securities gains (losses)$03,710
Applicable income taxes$118,0005,155
Income before extraordinary items$261,0007,144
Extraordinary gains, net$026
Net income$261,0007,145
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0005,128
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$261,0007,079
2004-06-30 (YTD Data)Rank
Total interest income$1,170,0007,107
Total interest expense$378,0006,419
Net interest income$792,0007,243
Provision for loan and lease losses$50,0004,677
Total noninterest income$223,0005,588
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$91,0005,462
Trading account gains and fees$0130
Additional Noninterest Income$132,0004,565
Total noninterest expense$734,0006,947
Salaries and employee benefits$387,0007,021
Premises and equipment expense$97,0006,845
Additional noninterest expense$250,0006,531
Pre-tax net operating income$231,0006,970
Securities gains (losses)$03,413
Applicable income taxes$62,0005,405
Income before extraordinary items$169,0007,171
Extraordinary gains, net$021
Net income$169,0007,170
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0004,323
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$169,0007,093
2004-03-31 (YTD Data)Rank
Total interest income$587,0007,140
Total interest expense$187,0006,515
Net interest income$400,0007,256
Provision for loan and lease losses$26,0004,484
Total noninterest income$90,0006,013
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$47,0005,338
Trading account gains and fees$0121
Additional Noninterest Income$43,0005,417
Total noninterest expense$360,0007,045
Salaries and employee benefits$190,0007,115
Premises and equipment expense$48,0006,879
Additional noninterest expense$122,0006,621
Pre-tax net operating income$104,0007,094
Securities gains (losses)$02,934
Applicable income taxes$13,0006,097
Income before extraordinary items$91,0007,053
Extraordinary gains, net$016
Net income$91,0007,055
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0003,502
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$91,0006,965
2003-12-31 (YTD Data)Rank
Total interest income$2,277,0007,281
Total interest expense$797,0006,722
Net interest income$1,480,0007,393
Provision for loan and lease losses$113,0005,139
Total noninterest income$465,0005,611
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$149,0005,872
Trading account gains and fees$0160
Additional Noninterest Income$316,0004,400
Total noninterest expense$1,464,0006,958
Salaries and employee benefits$770,0007,034
Premises and equipment expense$184,0006,974
Additional noninterest expense$510,0006,508
Pre-tax net operating income$368,0007,162
Securities gains (losses)$04,500
Applicable income taxes$07,459
Income before extraordinary items$368,0006,954
Extraordinary gains, net$054
Net income$368,0006,956
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,704
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$368,0006,804
2003-09-30 (YTD Data)Rank
Total interest income$1,683,0007,401
Total interest expense$584,0006,922
Net interest income$1,099,0007,467
Provision for loan and lease losses$96,0004,730
Total noninterest income$362,0005,571
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$104,0006,055
Trading account gains and fees$0153
Additional Noninterest Income$258,0004,327
Total noninterest expense$1,117,0006,907
Salaries and employee benefits$588,0006,973
Premises and equipment expense$158,0006,660
Additional noninterest expense$371,0006,561
Pre-tax net operating income$248,0007,450
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$248,0007,265
Extraordinary gains, net$040
Net income$248,0007,267
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0005,765
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$248,0007,100
2003-06-30 (YTD Data)Rank
Total interest income$1,108,0007,477
Total interest expense$390,0007,035
Net interest income$718,0007,528
Provision for loan and lease losses$47,0005,247
Total noninterest income$230,0005,672
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$59,0006,330
Trading account gains and fees$0150
Additional Noninterest Income$171,0004,325
Total noninterest expense$734,0006,967
Salaries and employee benefits$379,0007,089
Premises and equipment expense$105,0006,641
Additional noninterest expense$243,0006,617
Pre-tax net operating income$167,0007,479
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$167,0007,285
Extraordinary gains, net$030
Net income$167,0007,288
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0005,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$167,0007,101
2003-03-31 (YTD Data)Rank
Total interest income$548,0007,537
Total interest expense$199,0007,083
Net interest income$349,0007,617
Provision for loan and lease losses$22,0005,127
Total noninterest income$132,0005,205
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$23,0006,666
Trading account gains and fees$0134
Additional Noninterest Income$109,0003,778
Total noninterest expense$353,0007,096
Salaries and employee benefits$190,0007,100
Premises and equipment expense$56,0006,474
Additional noninterest expense$107,0006,979
Pre-tax net operating income$106,0007,094
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$106,0006,785
Extraordinary gains, net$021
Net income$106,0006,787
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$106,0006,614
2002-12-31 (YTD Data)Rank
Total interest income$2,005,0007,842
Total interest expense$781,0007,572
Net interest income$1,224,0007,891
Provision for loan and lease losses$90,0005,880
Total noninterest income$460,0005,437
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$94,0006,675
Trading account gains and fees$0153
Additional Noninterest Income$366,0003,851
Total noninterest expense$1,317,0007,209
Salaries and employee benefits$697,0007,277
Premises and equipment expense$191,0006,877
Additional noninterest expense$429,0006,941
Pre-tax net operating income$277,0007,638
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$277,0007,440
Extraordinary gains, net$070
Net income$277,0007,439
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,420
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$277,0007,332
2001-12-31 (YTD Data)Rank
Total interest income$1,625,0008,606
Total interest expense$805,0008,422
Net interest income$820,0008,626
Provision for loan and lease losses$201,0004,110
Total noninterest income$308,0006,354
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$79,0006,996
Trading account gains and fees$0177
Additional Noninterest Income$229,0004,650
Total noninterest expense$1,086,0007,735
Salaries and employee benefits$537,0007,995
Premises and equipment expense$164,0007,301
Additional noninterest expense$385,0007,268
Pre-tax net operating income$-159,0008,923
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-159,0009,008
Extraordinary gains, net$0105
Net income$-159,0009,009
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0004,976
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-159,0008,949
2000-12-31 (YTD Data)Rank
Total interest income$610,0009,641
Total interest expense$377,0009,454
Net interest income$233,0009,747
Provision for loan and lease losses$117,0005,008
Total noninterest income$114,0008,392
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$34,0008,004
Trading account gains and feesNANA
Additional Noninterest Income$80,0006,911
Total noninterest expense$655,0008,948
Salaries and employee benefits$330,0009,110
Premises and equipment expense$77,0008,850
Additional noninterest expense$248,0008,358
Pre-tax net operating income$-425,0009,493
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-425,0009,529
Extraordinary gains, net$038
Net income$-425,0009,529
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,027
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$4,994,000223
Net operating income$-425,0009,528

* 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.