Home > American Community Bank > Income and Expense
American Community Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $28,785,000 | 1,165 |
| Total interest expense | $14,403,000 | 1,128 |
| Net interest income | $14,382,000 | 1,219 |
| Provision for loan and lease losses | $830,000 | 1,146 |
| Total noninterest income | $3,589,000 | 1,157 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,428,000 | 889 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,161,000 | 1,045 |
| Total noninterest expense | $12,765,000 | 1,062 |
| Salaries and employee benefits | $4,552,000 | 1,436 |
| Premises and equipment expense | $1,523,000 | 1,287 |
| Additional noninterest expense | $6,690,000 | 780 |
| Pre-tax net operating income | $4,376,000 | 1,747 |
| Securities gains (losses) | $-394,000 | 10,869 |
| Applicable income taxes | $1,170,000 | 2,131 |
| Income before extraordinary items | $2,812,000 | 1,871 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,812,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,431 |
| Cash dividends | $5,000,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,091,740 | 1,684 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $27,823,000 | 1,232 |
| Total interest expense | $15,334,000 | 1,067 |
| Net interest income | $12,489,000 | 1,440 |
| Provision for loan and lease losses | $483,000 | 1,781 |
| Total noninterest income | $3,006,000 | 1,354 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,101,000 | 1,208 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,905,000 | 1,192 |
| Total noninterest expense | $12,470,000 | 1,172 |
| Salaries and employee benefits | $4,147,000 | 1,612 |
| Premises and equipment expense | $1,469,000 | 1,384 |
| Additional noninterest expense | $6,854,000 | 908 |
| Pre-tax net operating income | $2,542,000 | 2,740 |
| Securities gains (losses) | $99,000 | 966 |
| Applicable income taxes | $703,000 | 3,165 |
| Income before extraordinary items | $1,938,000 | 2,521 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,938,000 | 2,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,887 |
| Cash dividends | $2,000,000 | 1,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,865,730 | 2,573 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $28,727,000 | 1,202 |
| Total interest expense | $16,107,000 | 1,055 |
| Net interest income | $12,620,000 | 1,423 |
| Provision for loan and lease losses | $135,000 | 3,846 |
| Total noninterest income | $1,919,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $950,000 | 1,439 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $969,000 | 1,836 |
| Total noninterest expense | $11,384,000 | 1,264 |
| Salaries and employee benefits | $3,649,000 | 1,818 |
| Premises and equipment expense | $1,467,000 | 1,409 |
| Additional noninterest expense | $6,268,000 | 942 |
| Pre-tax net operating income | $3,020,000 | 2,418 |
| Securities gains (losses) | $118,000 | 888 |
| Applicable income taxes | $852,000 | 2,737 |
| Income before extraordinary items | $2,286,000 | 2,206 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,286,000 | 2,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,289 |
| Cash dividends | $6,350,000 | 531 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,199,860 | 2,271 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,601,000 | 1,174 |
| Total interest expense | $12,718,000 | 1,041 |
| Net interest income | $13,883,000 | 1,303 |
| Provision for loan and lease losses | $170,000 | 3,353 |
| Total noninterest income | $2,104,000 | 1,780 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $858,000 | 1,582 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,246,000 | 1,585 |
| Total noninterest expense | $11,955,000 | 1,241 |
| Salaries and employee benefits | $4,011,000 | 1,667 |
| Premises and equipment expense | $1,582,000 | 1,322 |
| Additional noninterest expense | $6,362,000 | 970 |
| Pre-tax net operating income | $3,862,000 | 1,837 |
| Securities gains (losses) | $336,000 | 358 |
| Applicable income taxes | $1,099,000 | 2,052 |
| Income before extraordinary items | $3,099,000 | 1,576 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,099,000 | 1,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,825 |
| Cash dividends | $5,200,000 | 549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,850,360 | 1,728 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $27,266,000 | 1,171 |
| Total interest expense | $13,487,000 | 1,004 |
| Net interest income | $13,779,000 | 1,309 |
| Provision for loan and lease losses | $1,183,000 | 1,168 |
| Total noninterest income | $3,078,000 | 1,430 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $905,000 | 1,499 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,173,000 | 1,185 |
| Total noninterest expense | $11,676,000 | 1,311 |
| Salaries and employee benefits | $4,066,000 | 1,661 |
| Premises and equipment expense | $1,016,000 | 2,019 |
| Additional noninterest expense | $6,594,000 | 1,027 |
| Pre-tax net operating income | $3,998,000 | 1,724 |
| Securities gains (losses) | $700,000 | 709 |
| Applicable income taxes | $1,493,000 | 1,560 |
| Income before extraordinary items | $3,205,000 | 1,589 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,205,000 | 1,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $676,000 | 1,469 |
| Cash dividends | $1,948,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,729,000 | 1,723 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,003,000 | 1,975 |
| Total interest expense | $9,712,000 | 1,758 |
| Net interest income | $8,291,000 | 2,191 |
| Provision for loan and lease losses | $839,000 | 2,093 |
| Total noninterest income | $1,568,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $540,000 | 2,553 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,028,000 | 1,960 |
| Total noninterest expense | $6,832,000 | 2,149 |
| Salaries and employee benefits | $2,408,000 | 2,693 |
| Premises and equipment expense | $646,000 | 3,134 |
| Additional noninterest expense | $3,778,000 | 1,661 |
| Pre-tax net operating income | $2,188,000 | 2,856 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $410,000 | 4,696 |
| Income before extraordinary items | $1,798,000 | 2,557 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,798,000 | 2,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $922,000 | 1,641 |
| Cash dividends | $1,008,000 | 1,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,781,800 | 2,386 |
* 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.