Home > Bank of Clinton County, Inc. > Income and Expense

Bank of Clinton County, Inc., Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$3,463,000	6,797
Total interest expense	$1,720,000	6,563
Net interest income	$1,743,000	6,903
Provision for loan and lease losses	$317,000	3,088
Total noninterest income	$421,000	5,543
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$326,000	3,951
Trading account gains and fees	$0	177
Additional Noninterest Income	$95,000	6,539
Total noninterest expense	$1,476,000	6,845
Salaries and employee benefits	$538,000	7,988
Premises and equipment expense	$159,000	7,382
Additional noninterest expense	$779,000	4,873
Pre-tax net operating income	$371,000	7,105
Securities gains (losses)	$0	4,612
Applicable income taxes	$50,000	6,706
Income before extraordinary items	$321,000	7,010
Extraordinary gains, net	$0	105
Net income	$321,000	7,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	3,302
Cash dividends	$235,000	4,778
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$321,000	6,886
2000-12-31 (YTD Data)		Rank
Total interest income	$3,625,000	6,802
Total interest expense	$1,711,000	6,762
Net interest income	$1,914,000	6,707
Provision for loan and lease losses	$240,000	3,322
Total noninterest income	$392,000	5,582
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$312,000	3,942
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	6,911
Total noninterest expense	$1,421,000	6,949
Salaries and employee benefits	$547,000	7,991
Premises and equipment expense	$140,000	7,750
Additional noninterest expense	$734,000	5,008
Pre-tax net operating income	$645,000	6,423
Securities gains (losses)	$0	1,956
Applicable income taxes	$142,000	6,017
Income before extraordinary items	$503,000	6,299
Extraordinary gains, net	$0	38
Net income	$503,000	6,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$313,000	1,766
Cash dividends	$282,000	4,611
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$503,000	6,319
1999-12-31 (YTD Data)		Rank
Total interest income	$3,341,000	6,995
Total interest expense	$1,504,000	6,970
Net interest income	$1,837,000	6,938
Provision for loan and lease losses	$257,000	3,002
Total noninterest income	$345,000	6,049
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$270,000	4,290
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	7,287
Total noninterest expense	$1,252,000	7,422
Salaries and employee benefits	$526,000	8,182
Premises and equipment expense	$123,000	8,172
Additional noninterest expense	$603,000	5,807
Pre-tax net operating income	$673,000	6,420
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$78,000	7,215
Income before extraordinary items	$598,000	5,910
Extraordinary gains, net	$0	35
Net income	$598,000	5,908
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$255,000	2,053
Cash dividends	$275,000	4,706
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$595,360	5,901
1998-12-31 (YTD Data)		Rank
Total interest income	$3,104,000	7,407
Total interest expense	$1,386,000	7,453
Net interest income	$1,718,000	7,247
Provision for loan and lease losses	$220,000	3,309
Total noninterest income	$405,000	5,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$265,000	4,308
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	5,861
Total noninterest expense	$1,121,000	7,765
Salaries and employee benefits	$472,000	8,528
Premises and equipment expense	$116,000	8,357
Additional noninterest expense	$533,000	6,216
Pre-tax net operating income	$782,000	6,157
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$248,000	5,673
Income before extraordinary items	$538,000	6,387
Extraordinary gains, net	$0	32
Net income	$538,000	6,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$158,000	2,831
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$535,280	6,292
1997-12-31 (YTD Data)		Rank
Total interest income	$2,961,000	7,804
Total interest expense	$1,347,000	7,722
Net interest income	$1,614,000	7,739
Provision for loan and lease losses	$160,000	3,978
Total noninterest income	$326,000	6,386
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$228,000	4,940
Trading account gains and fees	NA	NA
Additional Noninterest Income	$98,000	6,853
Total noninterest expense	$976,000	8,437
Salaries and employee benefits	$429,000	9,071
Premises and equipment expense	$112,000	8,682
Additional noninterest expense	$435,000	7,058
Pre-tax net operating income	$804,000	6,529
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$255,000	6,207
Income before extraordinary items	$551,000	6,664
Extraordinary gains, net	$0	44
Net income	$551,000	6,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	3,457
Cash dividends	$400,000	3,931
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$549,640	6,612
1996-12-31 (YTD Data)		Rank
Total interest income	$2,707,000	8,413
Total interest expense	$1,246,000	8,252
Net interest income	$1,461,000	8,363
Provision for loan and lease losses	$173,000	3,789
Total noninterest income	$403,000	5,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$213,000	5,342
Trading account gains and fees	NA	NA
Additional Noninterest Income	$190,000	5,320
Total noninterest expense	$911,000	9,024
Salaries and employee benefits	$439,000	9,335
Premises and equipment expense	$139,000	8,316
Additional noninterest expense	$333,000	8,541
Pre-tax net operating income	$780,000	6,583
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$251,000	6,439
Income before extraordinary items	$531,000	6,689
Extraordinary gains, net	$0	53
Net income	$531,000	6,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,000	3,041
Cash dividends	$229,000	5,156
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$529,640	6,645
1995-12-31 (YTD Data)		Rank
Total interest income	$2,425,000	9,080
Total interest expense	$1,136,000	8,792
Net interest income	$1,289,000	9,103
Provision for loan and lease losses	$165,000	3,441
Total noninterest income	$332,000	6,696
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$208,000	5,544
Trading account gains and fees	NA	NA
Additional Noninterest Income	$124,000	6,546
Total noninterest expense	$914,000	9,309
Salaries and employee benefits	$429,000	9,704
Premises and equipment expense	$135,000	8,656
Additional noninterest expense	$350,000	8,689
Pre-tax net operating income	$542,000	8,207
Securities gains (losses)	$21,000	1,877
Applicable income taxes	$188,000	7,634
Income before extraordinary items	$375,000	8,270
Extraordinary gains, net	$0	65
Net income	$375,000	8,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,739
Cash dividends	$140,000	6,201
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$360,930	8,364
1994-12-31 (YTD Data)		Rank
Total interest income	$2,150,000	9,518
Total interest expense	$997,000	8,709
Net interest income	$1,153,000	9,897
Provision for loan and lease losses	$24,000	7,499
Total noninterest income	$183,000	9,049
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	7,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	9,091
Total noninterest expense	$803,000	10,235
Salaries and employee benefits	$332,000	10,921
Premises and equipment expense	$130,000	9,091
Additional noninterest expense	$341,000	9,459
Pre-tax net operating income	$509,000	8,596
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$167,000	7,982
Income before extraordinary items	$341,000	8,713
Extraordinary gains, net	$0	249
Net income	$341,000	8,715
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$142,000	3,073
Cash dividends	$11,000	8,747
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$341,670	8,773
1993-12-31 (YTD Data)		Rank
Total interest income	$2,006,000	10,163
Total interest expense	$1,012,000	9,050
Net interest income	$994,000	10,802
Provision for loan and lease losses	$0	10,371
Total noninterest income	$144,000	10,332
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	9,699
Total noninterest expense	$846,000	10,446
Salaries and employee benefits	$385,000	10,792
Premises and equipment expense	$122,000	9,724
Additional noninterest expense	$339,000	9,968
Pre-tax net operating income	$292,000	10,304
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$110,000	9,512
Income before extraordinary items	$185,000	10,816
Extraordinary gains, net	$32,000	2,460
Net income	$217,000	10,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	11,543
Cash dividends	$44,000	8,137
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$183,080	10,616
1992-12-31 (YTD Data)		Rank
Total interest income	$1,860,000	11,177
Total interest expense	$1,068,000	10,102
Net interest income	$792,000	11,936
Provision for loan and lease losses	$50,000	9,026
Total noninterest income	$141,000	10,672
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	9,449
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	9,388
Total noninterest expense	$724,000	11,383
Salaries and employee benefits	$356,000	11,380
Premises and equipment expense	$110,000	10,377
Additional noninterest expense	$258,000	11,433
Pre-tax net operating income	$159,000	11,436
Securities gains (losses)	$72,000	3,538
Applicable income taxes	$70,000	10,722
Income before extraordinary items	$161,000	11,115
Extraordinary gains, net	$0	1,422
Net income	$161,000	11,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	9,616
Cash dividends	$22,000	8,436
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$110,600	11,489

* 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.