Home > American Community Bank > Income and Expense
American Community Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,072,000 | 3,368 |
| Total interest expense | $6,181,000 | 2,704 |
| Net interest income | $3,891,000 | 4,283 |
| Provision for loan and lease losses | $158,000 | 4,296 |
| Total noninterest income | $520,000 | 4,807 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $76,000 | 7,081 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $444,000 | 3,138 |
| Total noninterest expense | $2,011,000 | 5,667 |
| Salaries and employee benefits | $1,090,000 | 5,594 |
| Premises and equipment expense | $386,000 | 4,623 |
| Additional noninterest expense | $535,000 | 6,165 |
| Pre-tax net operating income | $2,242,000 | 3,045 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $727,000 | 2,709 |
| Income before extraordinary items | $1,515,000 | 3,228 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,515,000 | 3,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,939 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,515,000 | 3,220 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,223,000 | 3,812 |
| Total interest expense | $4,520,000 | 3,229 |
| Net interest income | $3,703,000 | 4,458 |
| Provision for loan and lease losses | $129,000 | 4,610 |
| Total noninterest income | $637,000 | 4,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 7,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $588,000 | 2,664 |
| Total noninterest expense | $2,007,000 | 5,668 |
| Salaries and employee benefits | $1,094,000 | 5,525 |
| Premises and equipment expense | $354,000 | 4,940 |
| Additional noninterest expense | $559,000 | 6,092 |
| Pre-tax net operating income | $2,204,000 | 3,094 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $766,000 | 2,730 |
| Income before extraordinary items | $1,438,000 | 3,350 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,438,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,438,000 | 3,312 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,215,000 | 4,292 |
| Total interest expense | $4,318,000 | 3,429 |
| Net interest income | $2,897,000 | 5,262 |
| Provision for loan and lease losses | $225,000 | 3,261 |
| Total noninterest income | $773,000 | 3,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 8,384 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $737,000 | 2,302 |
| Total noninterest expense | $1,839,000 | 5,904 |
| Salaries and employee benefits | $1,023,000 | 5,695 |
| Premises and equipment expense | $338,000 | 5,006 |
| Additional noninterest expense | $478,000 | 6,590 |
| Pre-tax net operating income | $1,606,000 | 3,977 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $571,000 | 3,525 |
| Income before extraordinary items | $1,035,000 | 4,385 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,035,000 | 4,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,386 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,035,000 | 4,293 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,429,000 | 5,464 |
| Total interest expense | $3,316,000 | 4,311 |
| Net interest income | $2,113,000 | 6,693 |
| Provision for loan and lease losses | $299,000 | 2,653 |
| Total noninterest income | $375,000 | 5,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 9,014 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $350,000 | 3,586 |
| Total noninterest expense | $1,402,000 | 7,028 |
| Salaries and employee benefits | $762,000 | 6,961 |
| Premises and equipment expense | $256,000 | 5,972 |
| Additional noninterest expense | $384,000 | 7,493 |
| Pre-tax net operating income | $787,000 | 6,593 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $284,000 | 5,875 |
| Income before extraordinary items | $503,000 | 6,951 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $503,000 | 6,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $503,000 | 6,886 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,273,000 | 7,630 |
| Total interest expense | $1,841,000 | 6,748 |
| Net interest income | $1,432,000 | 8,434 |
| Provision for loan and lease losses | $225,000 | 3,146 |
| Total noninterest income | $52,000 | 10,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 9,652 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $1,034,000 | 8,549 |
| Salaries and employee benefits | $550,000 | 8,488 |
| Premises and equipment expense | $196,000 | 7,094 |
| Additional noninterest expense | $288,000 | 9,005 |
| Pre-tax net operating income | $225,000 | 9,628 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $227,000 | 9,032 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $227,000 | 9,036 |
| 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 | $225,000 | 8,989 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,123,000 | 11,085 |
| Total interest expense | $517,000 | 10,963 |
| Net interest income | $606,000 | 11,105 |
| Provision for loan and lease losses | $242,000 | 2,631 |
| Total noninterest income | $31,000 | 11,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 10,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $743,000 | 10,020 |
| Salaries and employee benefits | $409,000 | 9,875 |
| Premises and equipment expense | $131,000 | 8,769 |
| Additional noninterest expense | $203,000 | 10,374 |
| Pre-tax net operating income | $-348,000 | 11,752 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-348,000 | 11,757 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-348,000 | 11,755 |
| 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 | $5,549,000 | 83 |
| Net operating income | $-348,000 | 11,747 |
* 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.