Home > Appalachian Community Bank > Income and Expense
Appalachian Community Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,094,000 | 5,021 |
| Total interest expense | $3,395,000 | 4,484 |
| Net interest income | $2,699,000 | 5,543 |
| Provision for loan and lease losses | $202,000 | 3,722 |
| Total noninterest income | $268,000 | 6,595 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 5,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,180 |
| Total noninterest expense | $1,959,000 | 5,754 |
| Salaries and employee benefits | $850,000 | 6,501 |
| Premises and equipment expense | $250,000 | 6,046 |
| Additional noninterest expense | $859,000 | 4,503 |
| Pre-tax net operating income | $806,000 | 5,850 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $288,000 | 4,668 |
| Income before extraordinary items | $515,000 | 6,237 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $515,000 | 6,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,198 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 356 |
| Net operating income | $516,920 | 6,251 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,029,000 | 6,344 |
| Total interest expense | $2,267,000 | 5,540 |
| Net interest income | $1,762,000 | 7,084 |
| Provision for loan and lease losses | $35,000 | 7,095 |
| Total noninterest income | $299,000 | 6,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 5,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,606 |
| Total noninterest expense | $1,973,000 | 5,740 |
| Salaries and employee benefits | $768,000 | 6,912 |
| Premises and equipment expense | $255,000 | 5,965 |
| Additional noninterest expense | $950,000 | 4,180 |
| Pre-tax net operating income | $53,000 | 9,225 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-1,000 | 9,599 |
| Income before extraordinary items | $54,000 | 9,222 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $54,000 | 9,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,165 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $54,000 | 9,195 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $280,000 | 10,320 |
| Total interest expense | $164,000 | 10,228 |
| Net interest income | $116,000 | 10,369 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $32,000 | 10,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,798 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,614 |
| Total noninterest expense | $151,000 | 10,412 |
| Salaries and employee benefits | $59,000 | 10,416 |
| Premises and equipment expense | $27,000 | 10,222 |
| Additional noninterest expense | $65,000 | 10,333 |
| Pre-tax net operating income | $-3,000 | 9,808 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $15,000 | 8,979 |
| Income before extraordinary items | $-18,000 | 9,869 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-18,000 | 9,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-18,000 | 9,827 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,160,000 | 6,508 |
| Total interest expense | $2,013,000 | 6,245 |
| Net interest income | $2,147,000 | 6,629 |
| Provision for loan and lease losses | $953,000 | 1,024 |
| Total noninterest income | $355,000 | 6,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 4,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,211 |
| Total noninterest expense | $1,837,000 | 5,995 |
| Salaries and employee benefits | $784,000 | 6,864 |
| Premises and equipment expense | $271,000 | 5,790 |
| Additional noninterest expense | $782,000 | 4,810 |
| Pre-tax net operating income | $-288,000 | 10,627 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-149,000 | 10,760 |
| Income before extraordinary items | $-139,000 | 10,563 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-139,000 | 10,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,372 |
| Cash dividends | $336,000 | 4,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-139,000 | 10,534 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,400,000 | 6,484 |
| Total interest expense | $2,237,000 | 5,974 |
| Net interest income | $2,163,000 | 6,832 |
| Provision for loan and lease losses | $66,000 | 5,953 |
| Total noninterest income | $379,000 | 6,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,165 |
| Total noninterest expense | $1,538,000 | 7,002 |
| Salaries and employee benefits | $629,000 | 7,955 |
| Premises and equipment expense | $204,000 | 6,963 |
| Additional noninterest expense | $705,000 | 5,719 |
| Pre-tax net operating income | $938,000 | 5,964 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $316,000 | 5,656 |
| Income before extraordinary items | $628,000 | 6,105 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $628,000 | 6,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,189 |
| Cash dividends | $265,000 | 4,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $623,980 | 6,076 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,278,000 | 6,719 |
| Total interest expense | $2,225,000 | 6,033 |
| Net interest income | $2,053,000 | 7,190 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $290,000 | 7,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,864 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,238 |
| Total noninterest expense | $1,511,000 | 7,240 |
| Salaries and employee benefits | $692,000 | 7,765 |
| Premises and equipment expense | $178,000 | 7,647 |
| Additional noninterest expense | $641,000 | 6,251 |
| Pre-tax net operating income | $772,000 | 6,956 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $232,000 | 6,930 |
| Income before extraordinary items | $540,000 | 6,959 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $540,000 | 6,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $211,000 | 5,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $540,000 | 6,942 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,542,000 | 7,268 |
| Total interest expense | $1,643,000 | 6,493 |
| Net interest income | $1,899,000 | 7,806 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $257,000 | 7,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 6,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $1,554,000 | 7,433 |
| Salaries and employee benefits | $758,000 | 7,461 |
| Premises and equipment expense | $170,000 | 8,080 |
| Additional noninterest expense | $626,000 | 6,842 |
| Pre-tax net operating income | $578,000 | 8,133 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $148,000 | 8,343 |
| Income before extraordinary items | $434,000 | 7,854 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $434,000 | 7,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $350,000 | 4,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $431,000 | 7,942 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,400,000 | 7,675 |
| Total interest expense | $1,811,000 | 6,307 |
| Net interest income | $1,589,000 | 8,830 |
| Provision for loan and lease losses | $87,000 | 6,144 |
| Total noninterest income | $284,000 | 7,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,494 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,578 |
| Total noninterest expense | $1,325,000 | 8,426 |
| Salaries and employee benefits | $636,000 | 8,513 |
| Premises and equipment expense | $149,000 | 8,943 |
| Additional noninterest expense | $540,000 | 7,861 |
| Pre-tax net operating income | $461,000 | 8,936 |
| Securities gains (losses) | $48,000 | 3,456 |
| Applicable income taxes | $138,000 | 8,903 |
| Income before extraordinary items | $371,000 | 8,733 |
| Extraordinary gains, net | $90,000 | 1,670 |
| Net income | $461,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $335,960 | 8,825 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,449,000 | 8,261 |
| Total interest expense | $2,205,000 | 6,607 |
| Net interest income | $1,244,000 | 10,162 |
| Provision for loan and lease losses | $233,000 | 4,820 |
| Total noninterest income | $227,000 | 8,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $1,164,000 | 9,221 |
| Salaries and employee benefits | $588,000 | 8,917 |
| Premises and equipment expense | $153,000 | 9,020 |
| Additional noninterest expense | $423,000 | 9,288 |
| Pre-tax net operating income | $74,000 | 12,246 |
| Securities gains (losses) | $74,000 | 3,490 |
| Applicable income taxes | $26,000 | 11,922 |
| Income before extraordinary items | $122,000 | 11,655 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $122,000 | 11,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 5,631 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 466 |
| Net operating income | $61,320 | 12,175 |
* 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.