Home > Bank of Avoca > Income and Expense

Bank of Avoca, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,198,000	8,987
Total interest expense	$552,000	8,915
Net interest income	$646,000	8,956
Provision for loan and lease losses	$18,000	7,646
Total noninterest income	$108,000	8,399
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$72,000	7,129
Trading account gains and fees	$0	177
Additional Noninterest Income	$36,000	8,155
Total noninterest expense	$821,000	8,407
Salaries and employee benefits	$386,000	8,687
Premises and equipment expense	$113,000	8,103
Additional noninterest expense	$322,000	7,691
Pre-tax net operating income	$-85,000	8,845
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-85,000	8,937
Extraordinary gains, net	$0	105
Net income	$-85,000	8,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,392
Cash dividends	$5,000	6,568
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-85,000	8,879
2000-12-31 (YTD Data)		Rank
Total interest income	$1,312,000	9,136
Total interest expense	$571,000	9,106
Net interest income	$741,000	9,020
Provision for loan and lease losses	$34,000	7,119
Total noninterest income	$102,000	8,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	7,143
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	8,576
Total noninterest expense	$887,000	8,333
Salaries and employee benefits	$376,000	8,874
Premises and equipment expense	$125,000	8,010
Additional noninterest expense	$386,000	7,265
Pre-tax net operating income	$-78,000	9,228
Securities gains (losses)	$0	1,956
Applicable income taxes	$-4,000	9,289
Income before extraordinary items	$-74,000	9,236
Extraordinary gains, net	$0	38
Net income	$-74,000	9,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,226
Cash dividends	$10,000	6,768
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-74,000	9,230
1999-12-31 (YTD Data)		Rank
Total interest income	$1,263,000	9,351
Total interest expense	$498,000	9,446
Net interest income	$765,000	9,141
Provision for loan and lease losses	$16,000	7,832
Total noninterest income	$103,000	8,774
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	7,196
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,007
Total noninterest expense	$748,000	8,888
Salaries and employee benefits	$370,000	9,056
Premises and equipment expense	$123,000	8,172
Additional noninterest expense	$255,000	8,516
Pre-tax net operating income	$104,000	9,057
Securities gains (losses)	$6,000	2,044
Applicable income taxes	$15,000	8,345
Income before extraordinary items	$95,000	9,002
Extraordinary gains, net	$0	35
Net income	$95,000	9,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,085
Cash dividends	$25,000	6,862
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$89,840	9,004
1998-12-31 (YTD Data)		Rank
Total interest income	$1,279,000	9,563
Total interest expense	$545,000	9,600
Net interest income	$734,000	9,416
Provision for loan and lease losses	$8,000	8,341
Total noninterest income	$92,000	9,151
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	7,177
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	10,056
Total noninterest expense	$749,000	8,939
Salaries and employee benefits	$390,000	9,031
Premises and equipment expense	$125,000	8,162
Additional noninterest expense	$234,000	8,755
Pre-tax net operating income	$69,000	9,547
Securities gains (losses)	$5,000	3,437
Applicable income taxes	$7,000	9,157
Income before extraordinary items	$67,000	9,529
Extraordinary gains, net	$0	32
Net income	$67,000	9,528
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,603
Cash dividends	$20,000	7,249
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$62,450	9,491
1997-12-31 (YTD Data)		Rank
Total interest income	$1,242,000	10,004
Total interest expense	$518,000	10,053
Net interest income	$724,000	9,871
Provision for loan and lease losses	$-28,000	10,669
Total noninterest income	$100,000	9,419
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	7,468
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,305
Total noninterest expense	$756,000	9,203
Salaries and employee benefits	$389,000	9,327
Premises and equipment expense	$127,000	8,316
Additional noninterest expense	$240,000	8,965
Pre-tax net operating income	$96,000	10,085
Securities gains (losses)	$0	3,944
Applicable income taxes	$9,000	9,906
Income before extraordinary items	$87,000	10,037
Extraordinary gains, net	$0	44
Net income	$87,000	10,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$20,000	7,601
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$87,000	10,001
1996-12-31 (YTD Data)		Rank
Total interest income	$1,225,000	10,489
Total interest expense	$485,000	10,641
Net interest income	$740,000	10,280
Provision for loan and lease losses	$4,000	8,888
Total noninterest income	$99,000	9,912
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	7,912
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	10,642
Total noninterest expense	$717,000	9,749
Salaries and employee benefits	$414,000	9,512
Premises and equipment expense	$123,000	8,728
Additional noninterest expense	$180,000	10,170
Pre-tax net operating income	$118,000	10,276
Securities gains (losses)	$0	4,148
Applicable income taxes	$19,000	10,217
Income before extraordinary items	$99,000	10,237
Extraordinary gains, net	$0	53
Net income	$99,000	10,237
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,175
Cash dividends	$20,000	8,044
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$99,000	10,181
1995-12-31 (YTD Data)		Rank
Total interest income	$1,254,000	10,910
Total interest expense	$472,000	11,126
Net interest income	$782,000	10,587
Provision for loan and lease losses	$24,000	7,406
Total noninterest income	$95,000	10,385
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	8,443
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,891
Total noninterest expense	$679,000	10,269
Salaries and employee benefits	$378,000	10,096
Premises and equipment expense	$128,000	8,845
Additional noninterest expense	$173,000	10,785
Pre-tax net operating income	$174,000	10,614
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$49,000	10,213
Income before extraordinary items	$124,000	10,713
Extraordinary gains, net	$0	65
Net income	$124,000	10,714
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$40,000	7,961
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$124,720	10,686
1994-12-31 (YTD Data)		Rank
Total interest income	$1,091,000	11,542
Total interest expense	$365,000	11,762
Net interest income	$726,000	11,292
Provision for loan and lease losses	$11,000	8,408
Total noninterest income	$78,000	11,302
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$65,000	9,178
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	11,916
Total noninterest expense	$649,000	10,908
Salaries and employee benefits	$370,000	10,545
Premises and equipment expense	$123,000	9,301
Additional noninterest expense	$156,000	11,716
Pre-tax net operating income	$144,000	11,317
Securities gains (losses)	$0	3,600
Applicable income taxes	$46,000	10,566
Income before extraordinary items	$98,000	11,405
Extraordinary gains, net	$0	249
Net income	$98,000	11,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$20,000	8,568
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$98,000	11,444
1993-12-31 (YTD Data)		Rank
Total interest income	$987,000	12,321
Total interest expense	$315,000	12,611
Net interest income	$672,000	11,973
Provision for loan and lease losses	$18,000	9,198
Total noninterest income	$74,000	11,969
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	9,544
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	12,761
Total noninterest expense	$620,000	11,541
Salaries and employee benefits	$360,000	11,048
Premises and equipment expense	$115,000	9,950
Additional noninterest expense	$145,000	12,490
Pre-tax net operating income	$108,000	11,812
Securities gains (losses)	$0	7,477
Applicable income taxes	$39,000	11,180
Income before extraordinary items	$69,000	12,105
Extraordinary gains, net	$0	3,149
Net income	$69,000	12,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	9,413
Cash dividends	$20,000	8,663
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$69,000	11,942
1992-12-31 (YTD Data)		Rank
Total interest income	$1,040,000	12,958
Total interest expense	$388,000	13,218
Net interest income	$652,000	12,505
Provision for loan and lease losses	$59,000	8,714
Total noninterest income	$63,000	12,761
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	10,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	13,290
Total noninterest expense	$571,000	12,247
Salaries and employee benefits	$331,000	11,650
Premises and equipment expense	$108,000	10,453
Additional noninterest expense	$132,000	13,180
Pre-tax net operating income	$85,000	12,162
Securities gains (losses)	$0	8,369
Applicable income taxes	$47,000	11,335
Income before extraordinary items	$38,000	12,656
Extraordinary gains, net	$0	1,422
Net income	$38,000	12,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	8,614
Cash dividends	$10,000	8,694
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$38,000	12,403

* 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.