Home > Academy Bank > Income and Expense
Academy Bank, Income and Expense
2005-03-31 (YTD Data) | Rank | |
Total interest income | $643,000 | 6,944 |
Total interest expense | $212,000 | 6,390 |
Net interest income | $431,000 | 7,084 |
Provision for loan and lease losses | $9,000 | 5,480 |
Total noninterest income | $113,000 | 5,424 |
Gross Fiduciary activities income | $0 | 1,418 |
Service charges on deposit accounts | $53,000 | 4,860 |
Trading account gains and fees | $0 | 115 |
Additional Noninterest Income | $60,000 | 4,776 |
Total noninterest expense | $381,000 | 6,897 |
Salaries and employee benefits | $199,000 | 6,989 |
Premises and equipment expense | $49,000 | 6,814 |
Additional noninterest expense | $133,000 | 6,382 |
Pre-tax net operating income | $154,000 | 6,506 |
Securities gains (losses) | $0 | 1,685 |
Applicable income taxes | $59,000 | 4,561 |
Income before extraordinary items | $95,000 | 6,983 |
Extraordinary gains, net | $0 | 24 |
Net income | $95,000 | 6,985 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $9,000 | 3,295 |
Cash dividends | $0 | 3,863 |
Sale, conversion, retirement of capital stock, net | $0 | 491 |
Net operating income | $95,000 | 6,956 |
2004-12-31 (YTD Data) | Rank | |
Total interest income | $2,475,000 | 6,912 |
Total interest expense | $782,000 | 6,324 |
Net interest income | $1,693,000 | 7,056 |
Provision for loan and lease losses | $73,000 | 5,442 |
Total noninterest income | $539,000 | 5,076 |
Gross Fiduciary activities income | $0 | 1,582 |
Service charges on deposit accounts | $195,000 | 5,277 |
Trading account gains and fees | $0 | 138 |
Additional Noninterest Income | $344,000 | 4,005 |
Total noninterest expense | $1,547,000 | 6,806 |
Salaries and employee benefits | $794,000 | 6,959 |
Premises and equipment expense | $199,000 | 6,782 |
Additional noninterest expense | $554,000 | 6,247 |
Pre-tax net operating income | $612,000 | 6,360 |
Securities gains (losses) | $0 | 3,819 |
Applicable income taxes | $223,000 | 4,613 |
Income before extraordinary items | $389,000 | 6,831 |
Extraordinary gains, net | $0 | 34 |
Net income | $389,000 | 6,833 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $58,000 | 4,446 |
Cash dividends | $0 | 6,149 |
Sale, conversion, retirement of capital stock, net | $0 | 872 |
Net operating income | $389,000 | 6,767 |
2004-09-30 (YTD Data) | Rank | |
Total interest income | $1,794,000 | 7,010 |
Total interest expense | $576,000 | 6,350 |
Net interest income | $1,218,000 | 7,158 |
Provision for loan and lease losses | $64,000 | 5,058 |
Total noninterest income | $367,000 | 5,342 |
Gross Fiduciary activities income | $0 | 1,547 |
Service charges on deposit accounts | $145,000 | 5,337 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $222,000 | 4,298 |
Total noninterest expense | $1,142,000 | 6,817 |
Salaries and employee benefits | $588,000 | 6,954 |
Premises and equipment expense | $146,000 | 6,792 |
Additional noninterest expense | $408,000 | 6,248 |
Pre-tax net operating income | $379,000 | 6,830 |
Securities gains (losses) | $0 | 3,710 |
Applicable income taxes | $118,000 | 5,155 |
Income before extraordinary items | $261,000 | 7,144 |
Extraordinary gains, net | $0 | 26 |
Net income | $261,000 | 7,145 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $16,000 | 5,128 |
Cash dividends | $0 | 5,363 |
Sale, conversion, retirement of capital stock, net | $0 | 738 |
Net operating income | $261,000 | 7,079 |
2004-06-30 (YTD Data) | Rank | |
Total interest income | $1,170,000 | 7,107 |
Total interest expense | $378,000 | 6,419 |
Net interest income | $792,000 | 7,243 |
Provision for loan and lease losses | $50,000 | 4,677 |
Total noninterest income | $223,000 | 5,588 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $91,000 | 5,462 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $132,000 | 4,565 |
Total noninterest expense | $734,000 | 6,947 |
Salaries and employee benefits | $387,000 | 7,021 |
Premises and equipment expense | $97,000 | 6,845 |
Additional noninterest expense | $250,000 | 6,531 |
Pre-tax net operating income | $231,000 | 6,970 |
Securities gains (losses) | $0 | 3,413 |
Applicable income taxes | $62,000 | 5,405 |
Income before extraordinary items | $169,000 | 7,171 |
Extraordinary gains, net | $0 | 21 |
Net income | $169,000 | 7,170 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $17,000 | 4,323 |
Cash dividends | $0 | 5,087 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $169,000 | 7,093 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $587,000 | 7,140 |
Total interest expense | $187,000 | 6,515 |
Net interest income | $400,000 | 7,256 |
Provision for loan and lease losses | $26,000 | 4,484 |
Total noninterest income | $90,000 | 6,013 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $47,000 | 5,338 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $43,000 | 5,417 |
Total noninterest expense | $360,000 | 7,045 |
Salaries and employee benefits | $190,000 | 7,115 |
Premises and equipment expense | $48,000 | 6,879 |
Additional noninterest expense | $122,000 | 6,621 |
Pre-tax net operating income | $104,000 | 7,094 |
Securities gains (losses) | $0 | 2,934 |
Applicable income taxes | $13,000 | 6,097 |
Income before extraordinary items | $91,000 | 7,053 |
Extraordinary gains, net | $0 | 16 |
Net income | $91,000 | 7,055 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $11,000 | 3,502 |
Cash dividends | $0 | 3,841 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $91,000 | 6,965 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $2,277,000 | 7,281 |
Total interest expense | $797,000 | 6,722 |
Net interest income | $1,480,000 | 7,393 |
Provision for loan and lease losses | $113,000 | 5,139 |
Total noninterest income | $465,000 | 5,611 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $149,000 | 5,872 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $316,000 | 4,400 |
Total noninterest expense | $1,464,000 | 6,958 |
Salaries and employee benefits | $770,000 | 7,034 |
Premises and equipment expense | $184,000 | 6,974 |
Additional noninterest expense | $510,000 | 6,508 |
Pre-tax net operating income | $368,000 | 7,162 |
Securities gains (losses) | $0 | 4,500 |
Applicable income taxes | $0 | 7,459 |
Income before extraordinary items | $368,000 | 6,954 |
Extraordinary gains, net | $0 | 54 |
Net income | $368,000 | 6,956 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $30,000 | 5,704 |
Cash dividends | $0 | 6,283 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $368,000 | 6,804 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $1,683,000 | 7,401 |
Total interest expense | $584,000 | 6,922 |
Net interest income | $1,099,000 | 7,467 |
Provision for loan and lease losses | $96,000 | 4,730 |
Total noninterest income | $362,000 | 5,571 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $104,000 | 6,055 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $258,000 | 4,327 |
Total noninterest expense | $1,117,000 | 6,907 |
Salaries and employee benefits | $588,000 | 6,973 |
Premises and equipment expense | $158,000 | 6,660 |
Additional noninterest expense | $371,000 | 6,561 |
Pre-tax net operating income | $248,000 | 7,450 |
Securities gains (losses) | $0 | 4,204 |
Applicable income taxes | $0 | 7,524 |
Income before extraordinary items | $248,000 | 7,265 |
Extraordinary gains, net | $0 | 40 |
Net income | $248,000 | 7,267 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $13,000 | 5,765 |
Cash dividends | $0 | 5,519 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $248,000 | 7,100 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $1,108,000 | 7,477 |
Total interest expense | $390,000 | 7,035 |
Net interest income | $718,000 | 7,528 |
Provision for loan and lease losses | $47,000 | 5,247 |
Total noninterest income | $230,000 | 5,672 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $59,000 | 6,330 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $171,000 | 4,325 |
Total noninterest expense | $734,000 | 6,967 |
Salaries and employee benefits | $379,000 | 7,089 |
Premises and equipment expense | $105,000 | 6,641 |
Additional noninterest expense | $243,000 | 6,617 |
Pre-tax net operating income | $167,000 | 7,479 |
Securities gains (losses) | $0 | 3,782 |
Applicable income taxes | $0 | 7,529 |
Income before extraordinary items | $167,000 | 7,285 |
Extraordinary gains, net | $0 | 30 |
Net income | $167,000 | 7,288 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $7,000 | 5,535 |
Cash dividends | $0 | 5,215 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $167,000 | 7,101 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $548,000 | 7,537 |
Total interest expense | $199,000 | 7,083 |
Net interest income | $349,000 | 7,617 |
Provision for loan and lease losses | $22,000 | 5,127 |
Total noninterest income | $132,000 | 5,205 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $23,000 | 6,666 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $109,000 | 3,778 |
Total noninterest expense | $353,000 | 7,096 |
Salaries and employee benefits | $190,000 | 7,100 |
Premises and equipment expense | $56,000 | 6,474 |
Additional noninterest expense | $107,000 | 6,979 |
Pre-tax net operating income | $106,000 | 7,094 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $0 | 7,403 |
Income before extraordinary items | $106,000 | 6,785 |
Extraordinary gains, net | $0 | 21 |
Net income | $106,000 | 6,787 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 5,539 |
Cash dividends | $0 | 3,930 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $106,000 | 6,614 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $2,005,000 | 7,842 |
Total interest expense | $781,000 | 7,572 |
Net interest income | $1,224,000 | 7,891 |
Provision for loan and lease losses | $90,000 | 5,880 |
Total noninterest income | $460,000 | 5,437 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $94,000 | 6,675 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $366,000 | 3,851 |
Total noninterest expense | $1,317,000 | 7,209 |
Salaries and employee benefits | $697,000 | 7,277 |
Premises and equipment expense | $191,000 | 6,877 |
Additional noninterest expense | $429,000 | 6,941 |
Pre-tax net operating income | $277,000 | 7,638 |
Securities gains (losses) | $0 | 4,537 |
Applicable income taxes | $0 | 7,681 |
Income before extraordinary items | $277,000 | 7,440 |
Extraordinary gains, net | $0 | 70 |
Net income | $277,000 | 7,439 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $2,000 | 7,420 |
Cash dividends | $0 | 6,377 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $277,000 | 7,332 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $1,625,000 | 8,606 |
Total interest expense | $805,000 | 8,422 |
Net interest income | $820,000 | 8,626 |
Provision for loan and lease losses | $201,000 | 4,110 |
Total noninterest income | $308,000 | 6,354 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $79,000 | 6,996 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $229,000 | 4,650 |
Total noninterest expense | $1,086,000 | 7,735 |
Salaries and employee benefits | $537,000 | 7,995 |
Premises and equipment expense | $164,000 | 7,301 |
Additional noninterest expense | $385,000 | 7,268 |
Pre-tax net operating income | $-159,000 | 8,923 |
Securities gains (losses) | $0 | 4,612 |
Applicable income taxes | $0 | 7,903 |
Income before extraordinary items | $-159,000 | 9,008 |
Extraordinary gains, net | $0 | 105 |
Net income | $-159,000 | 9,009 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $57,000 | 4,976 |
Cash dividends | $0 | 6,617 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $-159,000 | 8,949 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $610,000 | 9,641 |
Total interest expense | $377,000 | 9,454 |
Net interest income | $233,000 | 9,747 |
Provision for loan and lease losses | $117,000 | 5,008 |
Total noninterest income | $114,000 | 8,392 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $34,000 | 8,004 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $80,000 | 6,911 |
Total noninterest expense | $655,000 | 8,948 |
Salaries and employee benefits | $330,000 | 9,110 |
Premises and equipment expense | $77,000 | 8,850 |
Additional noninterest expense | $248,000 | 8,358 |
Pre-tax net operating income | $-425,000 | 9,493 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $0 | 8,362 |
Income before extraordinary items | $-425,000 | 9,529 |
Extraordinary gains, net | $0 | 38 |
Net income | $-425,000 | 9,529 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $5,000 | 7,027 |
Cash dividends | $0 | 6,853 |
Sale, conversion, retirement of capital stock, net | $4,994,000 | 223 |
Net operating income | $-425,000 | 9,528 |
* 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.