Home > Bank of Charleston > Income and Expense
Bank of Charleston, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,024,000 | 3,950 |
| Total interest expense | $3,281,000 | 4,357 |
| Net interest income | $4,743,000 | 3,659 |
| Provision for loan and lease losses | $238,000 | 3,087 |
| Total noninterest income | $602,000 | 4,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $417,000 | 3,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,144 |
| Total noninterest expense | $2,594,000 | 4,646 |
| Salaries and employee benefits | $1,201,000 | 5,095 |
| Premises and equipment expense | $337,000 | 5,047 |
| Additional noninterest expense | $1,056,000 | 3,711 |
| Pre-tax net operating income | $2,513,000 | 2,904 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $929,000 | 2,588 |
| Income before extraordinary items | $1,584,000 | 3,197 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,584,000 | 3,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,457 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,584,000 | 3,132 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,492,000 | 4,866 |
| Total interest expense | $2,603,000 | 5,352 |
| Net interest income | $3,889,000 | 4,433 |
| Provision for loan and lease losses | $110,000 | 4,862 |
| Total noninterest income | $486,000 | 5,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,824 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,112 |
| Total noninterest expense | $2,280,000 | 5,381 |
| Salaries and employee benefits | $1,030,000 | 5,870 |
| Premises and equipment expense | $307,000 | 5,500 |
| Additional noninterest expense | $943,000 | 4,613 |
| Pre-tax net operating income | $1,985,000 | 3,435 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $721,000 | 3,112 |
| Income before extraordinary items | $1,264,000 | 3,704 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,264,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 6,017 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,264,000 | 3,655 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,516,000 | 5,577 |
| Total interest expense | $2,190,000 | 6,103 |
| Net interest income | $3,326,000 | 5,074 |
| Provision for loan and lease losses | $195,000 | 3,070 |
| Total noninterest income | $479,000 | 5,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 4,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,607 |
| Total noninterest expense | $2,158,000 | 5,649 |
| Salaries and employee benefits | $947,000 | 6,307 |
| Premises and equipment expense | $298,000 | 5,659 |
| Additional noninterest expense | $913,000 | 4,710 |
| Pre-tax net operating income | $1,452,000 | 4,578 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $537,000 | 3,973 |
| Income before extraordinary items | $915,000 | 4,933 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $915,000 | 4,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,961 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $915,000 | 4,920 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,043,000 | 6,645 |
| Total interest expense | $1,415,000 | 7,160 |
| Net interest income | $2,628,000 | 6,219 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $552,000 | 4,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,225 |
| Total noninterest expense | $1,965,000 | 6,295 |
| Salaries and employee benefits | $811,000 | 7,145 |
| Premises and equipment expense | $249,000 | 6,540 |
| Additional noninterest expense | $905,000 | 5,143 |
| Pre-tax net operating income | $1,140,000 | 5,428 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $410,000 | 4,680 |
| Income before extraordinary items | $730,000 | 5,730 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $730,000 | 5,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $730,000 | 5,806 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,779,000 | 7,146 |
| Total interest expense | $1,308,000 | 7,845 |
| Net interest income | $2,471,000 | 6,603 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $477,000 | 5,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 5,103 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $226,000 | 5,304 |
| Total noninterest expense | $1,845,000 | 6,769 |
| Salaries and employee benefits | $770,000 | 7,497 |
| Premises and equipment expense | $242,000 | 6,848 |
| Additional noninterest expense | $833,000 | 5,734 |
| Pre-tax net operating income | $968,000 | 6,037 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $358,000 | 5,405 |
| Income before extraordinary items | $610,000 | 6,706 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $610,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 6,216 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $610,000 | 6,458 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,886,000 | 7,661 |
| Total interest expense | $1,601,000 | 8,199 |
| Net interest income | $2,285,000 | 7,041 |
| Provision for loan and lease losses | $305,000 | 4,063 |
| Total noninterest income | $380,000 | 6,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 6,642 |
| Total noninterest expense | $1,615,000 | 7,522 |
| Salaries and employee benefits | $644,000 | 8,423 |
| Premises and equipment expense | $221,000 | 7,368 |
| Additional noninterest expense | $750,000 | 6,422 |
| Pre-tax net operating income | $745,000 | 6,859 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $279,000 | 6,238 |
| Income before extraordinary items | $466,000 | 7,611 |
| Extraordinary gains, net | $109,000 | 709 |
| Net income | $575,000 | 6,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 6,549 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $466,000 | 7,257 |
* 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.