Home > Appalachian Community Bank, F.S.B. > Income and Expense
Appalachian Community Bank, F.S.B., Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,283,000 | 6,111 |
| Total interest expense | $1,212,000 | 4,223 |
| Net interest income | $1,071,000 | 6,882 |
| Provision for loan and lease losses | $13,361,000 | 396 |
| Total noninterest income | $106,000 | 6,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $106,000 | 5,136 |
| Total noninterest expense | $2,415,000 | 4,828 |
| Salaries and employee benefits | $1,084,000 | 5,192 |
| Premises and equipment expense | $486,000 | 3,562 |
| Additional noninterest expense | $845,000 | 4,768 |
| Pre-tax net operating income | $-14,599,000 | 7,623 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-352,000 | 7,304 |
| Income before extraordinary items | $-14,247,000 | 7,627 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-14,247,000 | 7,627 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-14,247,000 | 7,627 |
| Net charge-offs | $9,511,000 | 478 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-14,247,000 | 7,624 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,774,000 | 5,831 |
| Total interest expense | $860,000 | 4,175 |
| Net interest income | $914,000 | 6,517 |
| Provision for loan and lease losses | $2,902,000 | 966 |
| Total noninterest income | $42,000 | 6,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $42,000 | 5,789 |
| Total noninterest expense | $1,450,000 | 5,160 |
| Salaries and employee benefits | $743,000 | 5,137 |
| Premises and equipment expense | $271,000 | 4,070 |
| Additional noninterest expense | $436,000 | 5,458 |
| Pre-tax net operating income | $-3,396,000 | 7,429 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-352,000 | 7,422 |
| Income before extraordinary items | $-3,044,000 | 7,453 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,044,000 | 7,453 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,044,000 | 7,453 |
| Net charge-offs | $1,939,000 | 1,150 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,044,000 | 7,441 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 5,593 |
| Total interest expense | $419,000 | 4,353 |
| Net interest income | $591,000 | 6,039 |
| Provision for loan and lease losses | $2,304,000 | 666 |
| Total noninterest income | $20,000 | 7,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $20,000 | 5,932 |
| Total noninterest expense | $647,000 | 5,535 |
| Salaries and employee benefits | $341,000 | 5,442 |
| Premises and equipment expense | $142,000 | 4,028 |
| Additional noninterest expense | $164,000 | 6,154 |
| Pre-tax net operating income | $-2,340,000 | 7,642 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,340,000 | 7,676 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,340,000 | 7,677 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,340,000 | 7,677 |
| Net charge-offs | $1,739,000 | 718 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,340,000 | 7,673 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 5,163 |
| Total interest expense | $2,453,000 | 3,949 |
| Net interest income | $2,485,000 | 5,856 |
| Provision for loan and lease losses | $2,347,000 | 2,271 |
| Total noninterest income | $151,000 | 6,574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $151,000 | 5,082 |
| Total noninterest expense | $2,378,000 | 5,808 |
| Salaries and employee benefits | $1,352,000 | 5,499 |
| Premises and equipment expense | $400,000 | 4,993 |
| Additional noninterest expense | $626,000 | 6,368 |
| Pre-tax net operating income | $-2,089,000 | 6,656 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $292,000 | 2,049 |
| Income before extraordinary items | $-2,381,000 | 6,859 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,381,000 | 6,856 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,381,000 | 6,857 |
| Net charge-offs | $1,768,000 | 2,187 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,381,000 | 6,858 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 5,212 |
| Total interest expense | $1,981,000 | 3,872 |
| Net interest income | $1,729,000 | 6,059 |
| Provision for loan and lease losses | $1,982,000 | 1,913 |
| Total noninterest income | $198,000 | 5,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $198,000 | 4,299 |
| Total noninterest expense | $1,811,000 | 5,794 |
| Salaries and employee benefits | $1,051,000 | 5,428 |
| Premises and equipment expense | $303,000 | 5,012 |
| Additional noninterest expense | $457,000 | 6,441 |
| Pre-tax net operating income | $-1,866,000 | 6,998 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $292,000 | 1,945 |
| Income before extraordinary items | $-2,158,000 | 7,217 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,158,000 | 7,215 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,158,000 | 7,216 |
| Net charge-offs | $1,515,000 | 1,758 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,158,000 | 7,204 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,592,000 | 5,138 |
| Total interest expense | $1,417,000 | 3,814 |
| Net interest income | $1,175,000 | 6,018 |
| Provision for loan and lease losses | $1,060,000 | 2,001 |
| Total noninterest income | $152,000 | 5,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $152,000 | 4,094 |
| Total noninterest expense | $1,197,000 | 5,858 |
| Salaries and employee benefits | $710,000 | 5,450 |
| Premises and equipment expense | $200,000 | 5,076 |
| Additional noninterest expense | $287,000 | 6,587 |
| Pre-tax net operating income | $-930,000 | 6,978 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $292,000 | 1,557 |
| Income before extraordinary items | $-1,222,000 | 7,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,222,000 | 7,236 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,222,000 | 7,236 |
| Net charge-offs | $782,000 | 1,863 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,222,000 | 7,237 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,299,000 | 5,176 |
| Total interest expense | $686,000 | 3,999 |
| Net interest income | $613,000 | 5,939 |
| Provision for loan and lease losses | $192,000 | 2,919 |
| Total noninterest income | $68,000 | 5,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $68,000 | 4,284 |
| Total noninterest expense | $569,000 | 5,935 |
| Salaries and employee benefits | $355,000 | 5,500 |
| Premises and equipment expense | $100,000 | 5,111 |
| Additional noninterest expense | $114,000 | 6,876 |
| Pre-tax net operating income | $-80,000 | 6,588 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-9,000 | 7,186 |
| Income before extraordinary items | $-71,000 | 6,732 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-71,000 | 6,733 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-71,000 | 6,733 |
| Net charge-offs | $89,000 | 2,993 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-71,000 | 6,629 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,704,000 | 5,626 |
| Total interest expense | $2,026,000 | 5,269 |
| Net interest income | $2,678,000 | 5,735 |
| Provision for loan and lease losses | $479,000 | 3,879 |
| Total noninterest income | $239,000 | 6,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $239,000 | 4,528 |
| Total noninterest expense | $1,813,000 | 6,472 |
| Salaries and employee benefits | $1,139,000 | 6,121 |
| Premises and equipment expense | $297,000 | 5,830 |
| Additional noninterest expense | $377,000 | 7,135 |
| Pre-tax net operating income | $625,000 | 4,564 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $238,000 | 2,652 |
| Income before extraordinary items | $387,000 | 4,792 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $387,000 | 4,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 4,723 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $387,000 | 4,959 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,286,000 | 5,869 |
| Total interest expense | $1,312,000 | 5,746 |
| Net interest income | $1,974,000 | 5,825 |
| Provision for loan and lease losses | $420,000 | 2,997 |
| Total noninterest income | $184,000 | 6,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $184,000 | 4,580 |
| Total noninterest expense | $1,496,000 | 6,230 |
| Salaries and employee benefits | $977,000 | 5,759 |
| Premises and equipment expense | $219,000 | 5,868 |
| Additional noninterest expense | $300,000 | 7,051 |
| Pre-tax net operating income | $242,000 | 5,864 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $95,000 | 3,626 |
| Income before extraordinary items | $147,000 | 5,953 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $147,000 | 5,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,265 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $147,000 | 6,122 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,082,000 | 6,055 |
| Total interest expense | $754,000 | 6,208 |
| Net interest income | $1,328,000 | 5,817 |
| Provision for loan and lease losses | $101,000 | 4,232 |
| Total noninterest income | $108,000 | 6,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $108,000 | 4,918 |
| Total noninterest expense | $961,000 | 6,360 |
| Salaries and employee benefits | $645,000 | 5,845 |
| Premises and equipment expense | $148,000 | 5,864 |
| Additional noninterest expense | $168,000 | 7,342 |
| Pre-tax net operating income | $374,000 | 4,907 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $144,000 | 3,067 |
| Income before extraordinary items | $230,000 | 5,403 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $230,000 | 5,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,990 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $230,000 | 5,336 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,081,000 | 6,040 |
| Total interest expense | $407,000 | 6,216 |
| Net interest income | $674,000 | 5,790 |
| Provision for loan and lease losses | $52,000 | 3,746 |
| Total noninterest income | $40,000 | 6,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $40,000 | 5,445 |
| Total noninterest expense | $473,000 | 6,448 |
| Salaries and employee benefits | $317,000 | 5,936 |
| Premises and equipment expense | $79,000 | 5,756 |
| Additional noninterest expense | $77,000 | 7,474 |
| Pre-tax net operating income | $189,000 | 5,057 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $71,000 | 3,202 |
| Income before extraordinary items | $118,000 | 5,593 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $118,000 | 5,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,745 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $118,000 | 5,487 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 7,370 |
| Total interest expense | $803,000 | 7,497 |
| Net interest income | $1,454,000 | 7,175 |
| Provision for loan and lease losses | $282,000 | 3,310 |
| Total noninterest income | $52,000 | 8,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $52,000 | 7,060 |
| Total noninterest expense | $1,349,000 | 7,146 |
| Salaries and employee benefits | $885,000 | 6,752 |
| Premises and equipment expense | $221,000 | 6,524 |
| Additional noninterest expense | $243,000 | 7,811 |
| Pre-tax net operating income | $-125,000 | 7,579 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-43,000 | 7,922 |
| Income before extraordinary items | $-82,000 | 7,615 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-82,000 | 7,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,739 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $8,000,000 | 216 |
| Net operating income | $-82,000 | 7,594 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,370,000 | 7,723 |
| Total interest expense | $482,000 | 7,786 |
| Net interest income | $888,000 | 7,578 |
| Provision for loan and lease losses | $78,000 | 4,535 |
| Total noninterest income | $27,000 | 8,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $27,000 | 7,429 |
| Total noninterest expense | $898,000 | 7,348 |
| Salaries and employee benefits | $585,000 | 7,001 |
| Premises and equipment expense | $153,000 | 6,689 |
| Additional noninterest expense | $160,000 | 7,947 |
| Pre-tax net operating income | $-61,000 | 7,757 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-20,000 | 8,080 |
| Income before extraordinary items | $-41,000 | 7,763 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-41,000 | 7,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,499 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $8,000,000 | 157 |
| Net operating income | $-41,000 | 7,741 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $575,000 | 8,233 |
| Total interest expense | $173,000 | 8,270 |
| Net interest income | $402,000 | 8,102 |
| Provision for loan and lease losses | $46,000 | 4,481 |
| Total noninterest income | $6,000 | 8,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $6,000 | 8,115 |
| Total noninterest expense | $410,000 | 7,933 |
| Salaries and employee benefits | $249,000 | 7,838 |
| Premises and equipment expense | $82,000 | 7,105 |
| Additional noninterest expense | $79,000 | 8,248 |
| Pre-tax net operating income | $-48,000 | 7,885 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-17,000 | 8,185 |
| Income before extraordinary items | $-31,000 | 7,873 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-31,000 | 7,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,177 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $8,000,000 | 118 |
| Net operating income | $-31,000 | 7,863 |
* 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.