Home > Area Trust Company > Income and Expense
Area Trust Company, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 9,899 |
| Total interest expense | $0 | 9,874 |
| Net interest income | $0 | 9,894 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,464,000 | 2,391 |
| Gross Fiduciary activities income | $1,464,000 | 347 |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $1,386,000 | 7,034 |
| Salaries and employee benefits | $989,000 | 5,955 |
| Premises and equipment expense | $86,000 | 8,685 |
| Additional noninterest expense | $311,000 | 7,858 |
| Pre-tax net operating income | $78,000 | 8,879 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $31,000 | 7,597 |
| Income before extraordinary items | $47,000 | 8,971 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $47,000 | 8,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-27,269,000 | 9,900 |
| Net operating income | $47,000 | 8,954 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,007,000 | 1,809 |
| Total interest expense | $8,820,000 | 1,695 |
| Net interest income | $9,187,000 | 1,912 |
| Provision for loan and lease losses | $955,000 | 1,017 |
| Total noninterest income | $2,220,000 | 1,721 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,464,000 | 903 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $756,000 | 2,246 |
| Total noninterest expense | $6,765,000 | 2,019 |
| Salaries and employee benefits | $3,036,000 | 2,315 |
| Premises and equipment expense | $909,000 | 2,240 |
| Additional noninterest expense | $2,820,000 | 1,580 |
| Pre-tax net operating income | $3,687,000 | 1,993 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $3,690,000 | 1,453 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,690,000 | 1,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $580,000 | 1,082 |
| Cash dividends | $3,122,000 | 927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,687,000 | 1,434 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,045,000 | 1,794 |
| Total interest expense | $9,171,000 | 1,678 |
| Net interest income | $8,874,000 | 1,935 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $1,791,000 | 1,994 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,023,000 | 1,228 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $768,000 | 2,236 |
| Total noninterest expense | $5,761,000 | 2,267 |
| Salaries and employee benefits | $2,672,000 | 2,524 |
| Premises and equipment expense | $845,000 | 2,308 |
| Additional noninterest expense | $2,244,000 | 1,882 |
| Pre-tax net operating income | $4,664,000 | 1,590 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $750,000 | 2,878 |
| Income before extraordinary items | $3,914,000 | 1,357 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,914,000 | 1,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,872 |
| Cash dividends | $1,721,000 | 1,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,914,000 | 1,303 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,914,000 | 1,845 |
| Total interest expense | $8,877,000 | 1,746 |
| Net interest income | $9,037,000 | 1,923 |
| Provision for loan and lease losses | $170,000 | 3,857 |
| Total noninterest income | $1,385,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $653,000 | 2,010 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $732,000 | 2,164 |
| Total noninterest expense | $5,695,000 | 2,263 |
| Salaries and employee benefits | $2,682,000 | 2,474 |
| Premises and equipment expense | $894,000 | 2,197 |
| Additional noninterest expense | $2,119,000 | 1,996 |
| Pre-tax net operating income | $4,557,000 | 1,686 |
| Securities gains (losses) | $-28,000 | 10,488 |
| Applicable income taxes | $1,360,000 | 1,864 |
| Income before extraordinary items | $3,169,000 | 1,688 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,169,000 | 1,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 10,666 |
| Cash dividends | $65,000 | 6,979 |
| Sale, conversion, retirement of capital stock, net | $-8,120,000 | 10,913 |
| Net operating income | $3,188,600 | 1,641 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,245,000 | 1,961 |
| Total interest expense | $8,257,000 | 1,899 |
| Net interest income | $8,988,000 | 2,000 |
| Provision for loan and lease losses | $498,000 | 1,748 |
| Total noninterest income | $1,227,000 | 2,642 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $569,000 | 2,390 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $658,000 | 2,411 |
| Total noninterest expense | $5,260,000 | 2,585 |
| Salaries and employee benefits | $2,559,000 | 2,623 |
| Premises and equipment expense | $935,000 | 2,133 |
| Additional noninterest expense | $1,766,000 | 2,741 |
| Pre-tax net operating income | $4,457,000 | 1,626 |
| Securities gains (losses) | $100,000 | 963 |
| Applicable income taxes | $1,455,000 | 1,645 |
| Income before extraordinary items | $3,102,000 | 1,604 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,102,000 | 1,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,074 |
| Cash dividends | $140,000 | 6,159 |
| Sale, conversion, retirement of capital stock, net | $-491,000 | 11,401 |
| Net operating income | $3,034,000 | 1,610 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,913,000 | 2,109 |
| Total interest expense | $7,520,000 | 2,083 |
| Net interest income | $8,393,000 | 2,138 |
| Provision for loan and lease losses | $318,000 | 2,200 |
| Total noninterest income | $970,000 | 3,173 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $500,000 | 2,724 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $470,000 | 2,990 |
| Total noninterest expense | $5,056,000 | 2,687 |
| Salaries and employee benefits | $2,427,000 | 2,753 |
| Premises and equipment expense | $763,000 | 2,606 |
| Additional noninterest expense | $1,866,000 | 2,559 |
| Pre-tax net operating income | $3,989,000 | 1,855 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $1,220,000 | 1,997 |
| Income before extraordinary items | $2,766,000 | 1,820 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,766,000 | 1,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $132,000 | 6,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,768,070 | 1,799 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,673,000 | 2,392 |
| Total interest expense | $5,119,000 | 2,410 |
| Net interest income | $7,554,000 | 2,394 |
| Provision for loan and lease losses | $451,000 | 1,665 |
| Total noninterest income | $786,000 | 3,779 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $434,000 | 3,141 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $352,000 | 3,704 |
| Total noninterest expense | $4,366,000 | 3,151 |
| Salaries and employee benefits | $2,121,000 | 3,108 |
| Premises and equipment expense | $604,000 | 3,250 |
| Additional noninterest expense | $1,641,000 | 3,064 |
| Pre-tax net operating income | $3,523,000 | 2,027 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $1,050,000 | 2,125 |
| Income before extraordinary items | $2,483,000 | 1,968 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,483,000 | 1,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,946 |
| Cash dividends | $134,000 | 6,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,476,000 | 1,975 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,745,000 | 2,629 |
| Total interest expense | $4,693,000 | 2,745 |
| Net interest income | $7,052,000 | 2,546 |
| Provision for loan and lease losses | $366,000 | 2,608 |
| Total noninterest income | $688,000 | 4,495 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $405,000 | 3,398 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $283,000 | 4,630 |
| Total noninterest expense | $4,158,000 | 3,367 |
| Salaries and employee benefits | $1,979,000 | 3,318 |
| Premises and equipment expense | $572,000 | 3,470 |
| Additional noninterest expense | $1,607,000 | 3,300 |
| Pre-tax net operating income | $3,216,000 | 2,122 |
| Securities gains (losses) | $-21,000 | 12,925 |
| Applicable income taxes | $876,000 | 2,570 |
| Income before extraordinary items | $2,319,000 | 2,155 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,319,000 | 2,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 5,061 |
| Cash dividends | $128,000 | 6,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,334,330 | 2,018 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,225,000 | 2,870 |
| Total interest expense | $5,576,000 | 2,986 |
| Net interest income | $6,649,000 | 2,757 |
| Provision for loan and lease losses | $355,000 | 3,742 |
| Total noninterest income | $679,000 | 4,515 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $423,000 | 3,289 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $256,000 | 4,891 |
| Total noninterest expense | $3,824,000 | 3,640 |
| Salaries and employee benefits | $1,855,000 | 3,439 |
| Premises and equipment expense | $436,000 | 4,467 |
| Additional noninterest expense | $1,533,000 | 3,533 |
| Pre-tax net operating income | $3,149,000 | 1,974 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $920,000 | 2,273 |
| Income before extraordinary items | $2,242,000 | 2,049 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,242,000 | 2,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $385,000 | 2,894 |
| Cash dividends | $130,000 | 6,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,232,770 | 1,884 |
* 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.