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Atlantic Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$34,833,0001,010
Total interest expense$17,348,000961
Net interest income$17,485,0001,039
Provision for loan and lease losses$989,0001,040
Total noninterest income$2,306,0001,642
Gross Fiduciary activities income$163,0001,018
Service charges on deposit accounts$1,525,000867
Trading account gains and fees$0262
Additional Noninterest Income$618,0002,517
Total noninterest expense$13,991,0001,070
Salaries and employee benefits$5,768,0001,165
Premises and equipment expense$2,467,000887
Additional noninterest expense$5,756,0001,014
Pre-tax net operating income$4,811,0001,503
Securities gains (losses)$258,000606
Applicable income taxes$1,742,0001,394
Income before extraordinary items$3,327,0001,484
Extraordinary gains, net$053
Net income$3,327,0001,486
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$786,0001,032
Cash dividends$810,0002,464
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,156,7201,539
1995-12-31 (YTD Data)Rank
Total interest income$27,897,0001,230
Total interest expense$13,569,0001,222
Net interest income$14,328,0001,257
Provision for loan and lease losses$621,0001,310
Total noninterest income$1,366,0002,448
Gross Fiduciary activities income$41,0001,321
Service charges on deposit accounts$951,0001,438
Trading account gains and fees$0522
Additional Noninterest Income$374,0003,461
Total noninterest expense$13,051,0001,141
Salaries and employee benefits$5,932,0001,129
Premises and equipment expense$1,410,0001,456
Additional noninterest expense$5,709,0001,010
Pre-tax net operating income$2,022,0003,461
Securities gains (losses)$192,000687
Applicable income taxes$735,0003,108
Income before extraordinary items$1,479,0003,285
Extraordinary gains, net$065
Net income$1,479,0003,284
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,150,000803
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$27,334,00019
Net operating income$1,350,3603,532
1994-12-31 (YTD Data)Rank
Total interest income$4,427,0006,219
Total interest expense$2,255,0005,067
Net interest income$2,172,0007,143
Provision for loan and lease losses$67,0005,416
Total noninterest income$244,0008,040
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$211,0005,651
Trading account gains and fees$0475
Additional Noninterest Income$33,00010,596
Total noninterest expense$2,063,0006,039
Salaries and employee benefits$818,0007,102
Premises and equipment expense$272,0006,144
Additional noninterest expense$973,0004,822
Pre-tax net operating income$286,00010,231
Securities gains (losses)$11,0002,158
Applicable income taxes$106,0009,219
Income before extraordinary items$191,00010,382
Extraordinary gains, net$0249
Net income$191,00010,386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,849
Cash dividends$15,982,000249
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$183,96010,506
1993-12-31 (YTD Data)Rank
Total interest income$21,481,0001,465
Total interest expense$13,284,0001,016
Net interest income$8,197,0002,196
Provision for loan and lease losses$3,448,000555
Total noninterest income$2,701,0001,585
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$780,0001,754
Trading account gains and fees$0532
Additional Noninterest Income$1,921,0001,290
Total noninterest expense$9,401,0001,610
Salaries and employee benefits$3,307,0002,018
Premises and equipment expense$1,146,0001,826
Additional noninterest expense$4,948,0001,283
Pre-tax net operating income$-1,951,00013,076
Securities gains (losses)$07,477
Applicable income taxes$-681,00013,153
Income before extraordinary items$-1,270,00013,029
Extraordinary gains, net$84,0001,737
Net income$-1,186,00013,023
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,448,000516
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-1,270,00012,995
1992-12-31 (YTD Data)Rank
Total interest income$28,520,0001,283
Total interest expense$18,244,000994
Net interest income$10,276,0001,780
Provision for loan and lease losses$5,373,000567
Total noninterest income$6,408,000819
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$798,0001,697
Trading account gains and fees$0504
Additional Noninterest Income$5,610,000633
Total noninterest expense$8,963,0001,690
Salaries and employee benefits$3,436,0001,914
Premises and equipment expense$1,236,0001,713
Additional noninterest expense$4,291,0001,517
Pre-tax net operating income$2,348,0002,656
Securities gains (losses)$08,369
Applicable income taxes$806,0002,603
Income before extraordinary items$1,542,0003,003
Extraordinary gains, net$01,422
Net income$1,542,0003,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,724,000637
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,542,0002,780

* 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.