Home > American Commercial Bank > Income and Expense
American Commercial Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,604,000 | 1,597 |
| Total interest expense | $5,865,000 | 2,847 |
| Net interest income | $15,739,000 | 1,117 |
| Provision for loan and lease losses | $1,634,000 | 716 |
| Total noninterest income | $2,739,000 | 1,462 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,381,000 | 978 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,358,000 | 1,496 |
| Total noninterest expense | $12,067,000 | 1,153 |
| Salaries and employee benefits | $5,948,000 | 1,187 |
| Premises and equipment expense | $1,937,000 | 1,032 |
| Additional noninterest expense | $4,182,000 | 1,110 |
| Pre-tax net operating income | $4,777,000 | 1,548 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $1,065,000 | 2,011 |
| Income before extraordinary items | $3,719,000 | 1,424 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,719,000 | 1,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,481 |
| Cash dividends | $1,760,000 | 1,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,713,540 | 1,417 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,821,000 | 1,724 |
| Total interest expense | $4,604,000 | 3,148 |
| Net interest income | $14,217,000 | 1,240 |
| Provision for loan and lease losses | $720,000 | 1,277 |
| Total noninterest income | $2,913,000 | 1,388 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,531,000 | 864 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,382,000 | 1,475 |
| Total noninterest expense | $11,847,000 | 1,167 |
| Salaries and employee benefits | $5,932,000 | 1,161 |
| Premises and equipment expense | $2,105,000 | 957 |
| Additional noninterest expense | $3,810,000 | 1,213 |
| Pre-tax net operating income | $4,563,000 | 1,650 |
| Securities gains (losses) | $-15,000 | 9,468 |
| Applicable income taxes | $1,178,000 | 1,956 |
| Income before extraordinary items | $3,370,000 | 1,580 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,370,000 | 1,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $511,000 | 1,204 |
| Cash dividends | $1,029,000 | 2,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,381,100 | 1,549 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,617,000 | 3,044 |
| Total interest expense | $2,920,000 | 4,836 |
| Net interest income | $7,697,000 | 2,222 |
| Provision for loan and lease losses | $265,000 | 2,894 |
| Total noninterest income | $1,748,000 | 2,016 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $716,000 | 1,787 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,032,000 | 1,806 |
| Total noninterest expense | $7,721,000 | 1,693 |
| Salaries and employee benefits | $3,750,000 | 1,769 |
| Premises and equipment expense | $997,000 | 1,969 |
| Additional noninterest expense | $2,974,000 | 1,464 |
| Pre-tax net operating income | $1,459,000 | 4,263 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $459,000 | 4,080 |
| Income before extraordinary items | $1,001,000 | 4,527 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,001,000 | 4,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,595 |
| Cash dividends | $532,000 | 3,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,000,310 | 4,423 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,727,000 | 3,322 |
| Total interest expense | $2,746,000 | 5,049 |
| Net interest income | $6,981,000 | 2,485 |
| Provision for loan and lease losses | $410,000 | 2,057 |
| Total noninterest income | $1,652,000 | 2,048 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $698,000 | 1,867 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $954,000 | 1,794 |
| Total noninterest expense | $6,758,000 | 1,911 |
| Salaries and employee benefits | $3,338,000 | 1,969 |
| Premises and equipment expense | $884,000 | 2,224 |
| Additional noninterest expense | $2,536,000 | 1,671 |
| Pre-tax net operating income | $1,465,000 | 4,580 |
| Securities gains (losses) | $54,000 | 1,299 |
| Applicable income taxes | $395,000 | 4,920 |
| Income before extraordinary items | $1,123,000 | 4,289 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,123,000 | 4,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,815 |
| Cash dividends | $508,000 | 3,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,083,040 | 4,348 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,750,000 | 3,701 |
| Total interest expense | $2,739,000 | 5,160 |
| Net interest income | $6,011,000 | 2,953 |
| Provision for loan and lease losses | $1,000,000 | 1,019 |
| Total noninterest income | $1,590,000 | 2,198 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $619,000 | 2,179 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $971,000 | 1,851 |
| Total noninterest expense | $6,213,000 | 2,213 |
| Salaries and employee benefits | $2,774,000 | 2,397 |
| Premises and equipment expense | $741,000 | 2,634 |
| Additional noninterest expense | $2,698,000 | 1,892 |
| Pre-tax net operating income | $388,000 | 8,578 |
| Securities gains (losses) | $-207,000 | 11,311 |
| Applicable income taxes | $12,000 | 10,336 |
| Income before extraordinary items | $169,000 | 9,619 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $169,000 | 9,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $844,000 | 986 |
| Cash dividends | $501,000 | 3,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $361,510 | 7,856 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,478,000 | 3,810 |
| Total interest expense | $2,520,000 | 5,530 |
| Net interest income | $5,958,000 | 2,991 |
| Provision for loan and lease losses | $450,000 | 1,710 |
| Total noninterest income | $1,755,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $563,000 | 2,399 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,192,000 | 1,607 |
| Total noninterest expense | $5,996,000 | 2,270 |
| Salaries and employee benefits | $2,824,000 | 2,349 |
| Premises and equipment expense | $595,000 | 3,222 |
| Additional noninterest expense | $2,577,000 | 1,949 |
| Pre-tax net operating income | $1,267,000 | 5,061 |
| Securities gains (losses) | $-83,000 | 11,405 |
| Applicable income taxes | $225,000 | 7,020 |
| Income before extraordinary items | $959,000 | 4,754 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $959,000 | 4,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 1,740 |
| Cash dividends | $479,000 | 3,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,026,230 | 4,483 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,468,000 | 3,980 |
| Total interest expense | $2,017,000 | 5,580 |
| Net interest income | $5,451,000 | 3,290 |
| Provision for loan and lease losses | $220,000 | 2,852 |
| Total noninterest income | $2,367,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $546,000 | 2,498 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,821,000 | 1,201 |
| Total noninterest expense | $6,243,000 | 2,263 |
| Salaries and employee benefits | $2,768,000 | 2,423 |
| Premises and equipment expense | $565,000 | 3,447 |
| Additional noninterest expense | $2,910,000 | 1,860 |
| Pre-tax net operating income | $1,355,000 | 4,781 |
| Securities gains (losses) | $-29,000 | 10,630 |
| Applicable income taxes | $279,000 | 6,136 |
| Income before extraordinary items | $1,047,000 | 4,364 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,047,000 | 4,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,751 |
| Cash dividends | $470,000 | 3,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,069,910 | 4,330 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,879,000 | 4,378 |
| Total interest expense | $2,372,000 | 5,037 |
| Net interest income | $4,507,000 | 3,931 |
| Provision for loan and lease losses | $299,000 | 3,049 |
| Total noninterest income | $2,068,000 | 1,933 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $522,000 | 2,668 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,546,000 | 1,521 |
| Total noninterest expense | $5,689,000 | 2,516 |
| Salaries and employee benefits | $2,437,000 | 2,716 |
| Premises and equipment expense | $566,000 | 3,498 |
| Additional noninterest expense | $2,686,000 | 2,083 |
| Pre-tax net operating income | $587,000 | 8,028 |
| Securities gains (losses) | $197,000 | 1,709 |
| Applicable income taxes | $38,000 | 11,202 |
| Income before extraordinary items | $746,000 | 5,850 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $746,000 | 6,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 4,272 |
| Cash dividends | $404,000 | 3,615 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 944 |
| Net operating income | $558,850 | 6,828 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,226,000 | 4,699 |
| Total interest expense | $2,982,000 | 5,189 |
| Net interest income | $4,244,000 | 4,211 |
| Provision for loan and lease losses | $286,000 | 4,258 |
| Total noninterest income | $957,000 | 3,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $764,000 | 1,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,787 |
| Total noninterest expense | $4,533,000 | 3,137 |
| Salaries and employee benefits | $2,209,000 | 2,923 |
| Premises and equipment expense | $566,000 | 3,549 |
| Additional noninterest expense | $1,758,000 | 3,122 |
| Pre-tax net operating income | $382,000 | 9,406 |
| Securities gains (losses) | $515,000 | 1,065 |
| Applicable income taxes | $264,000 | 6,447 |
| Income before extraordinary items | $633,000 | 6,350 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $633,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 3,247 |
| Cash dividends | $448,000 | 3,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $267,350 | 9,340 |
* 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.