Home > Bank of Cumberland > Income and Expense
Bank of Cumberland, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,991,000 | 6,489 |
| Total interest expense | $1,843,000 | 6,468 |
| Net interest income | $2,148,000 | 6,396 |
| Provision for loan and lease losses | $45,000 | 6,783 |
| Total noninterest income | $253,000 | 6,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 4,973 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,530 |
| Total noninterest expense | $1,490,000 | 6,732 |
| Salaries and employee benefits | $869,000 | 6,357 |
| Premises and equipment expense | $201,000 | 6,704 |
| Additional noninterest expense | $420,000 | 7,055 |
| Pre-tax net operating income | $866,000 | 5,857 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $233,000 | 5,798 |
| Income before extraordinary items | $653,000 | 5,803 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $653,000 | 5,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,764 |
| Cash dividends | $326,000 | 4,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $638,200 | 5,763 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,918,000 | 6,735 |
| Total interest expense | $1,726,000 | 6,832 |
| Net interest income | $2,192,000 | 6,545 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $240,000 | 7,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 9,193 |
| Total noninterest expense | $1,453,000 | 6,909 |
| Salaries and employee benefits | $841,000 | 6,578 |
| Premises and equipment expense | $183,000 | 7,152 |
| Additional noninterest expense | $429,000 | 7,110 |
| Pre-tax net operating income | $904,000 | 6,134 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $250,000 | 6,261 |
| Income before extraordinary items | $658,000 | 6,078 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $658,000 | 6,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,034 |
| Cash dividends | $657,000 | 2,897 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $655,120 | 6,047 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,868,000 | 6,983 |
| Total interest expense | $1,720,000 | 7,030 |
| Net interest income | $2,148,000 | 6,861 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $252,000 | 7,547 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,213 |
| Total noninterest expense | $1,322,000 | 7,598 |
| Salaries and employee benefits | $735,000 | 7,330 |
| Premises and equipment expense | $186,000 | 7,295 |
| Additional noninterest expense | $401,000 | 7,863 |
| Pre-tax net operating income | $1,018,000 | 5,670 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $295,000 | 5,890 |
| Income before extraordinary items | $714,000 | 5,700 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $714,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $720,390 | 5,621 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,440,000 | 7,626 |
| Total interest expense | $1,567,000 | 7,511 |
| Net interest income | $1,873,000 | 7,595 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $269,000 | 7,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 7,225 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,088 |
| Total noninterest expense | $1,277,000 | 7,924 |
| Salaries and employee benefits | $651,000 | 8,057 |
| Premises and equipment expense | $187,000 | 7,460 |
| Additional noninterest expense | $439,000 | 7,816 |
| Pre-tax net operating income | $855,000 | 6,624 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $250,000 | 6,647 |
| Income before extraordinary items | $605,000 | 6,587 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $605,000 | 6,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,558 |
| Cash dividends | $220,000 | 5,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $605,000 | 6,573 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,949,000 | 8,137 |
| Total interest expense | $1,167,000 | 8,034 |
| Net interest income | $1,782,000 | 8,086 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $217,000 | 8,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,224 |
| Total noninterest expense | $1,292,000 | 8,281 |
| Salaries and employee benefits | $637,000 | 8,360 |
| Premises and equipment expense | $178,000 | 7,891 |
| Additional noninterest expense | $477,000 | 8,079 |
| Pre-tax net operating income | $587,000 | 8,071 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $166,000 | 8,002 |
| Income before extraordinary items | $421,000 | 7,982 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $421,000 | 7,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,137 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $421,000 | 8,030 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 8,393 |
| Total interest expense | $1,206,000 | 8,224 |
| Net interest income | $1,760,000 | 8,344 |
| Provision for loan and lease losses | $85,000 | 6,189 |
| Total noninterest income | $194,000 | 9,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 9,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,420 |
| Total noninterest expense | $1,251,000 | 8,697 |
| Salaries and employee benefits | $603,000 | 8,782 |
| Premises and equipment expense | $177,000 | 8,214 |
| Additional noninterest expense | $471,000 | 8,505 |
| Pre-tax net operating income | $618,000 | 7,831 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $180,000 | 8,011 |
| Income before extraordinary items | $438,000 | 8,075 |
| Extraordinary gains, net | $-85,000 | 12,883 |
| Net income | $353,000 | 9,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,534 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $438,000 | 7,806 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,422,000 | 8,297 |
| Total interest expense | $1,582,000 | 8,267 |
| Net interest income | $1,840,000 | 8,218 |
| Provision for loan and lease losses | $100,000 | 7,236 |
| Total noninterest income | $327,000 | 7,381 |
| 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 | $254,000 | 4,910 |
| Total noninterest expense | $1,319,000 | 8,594 |
| Salaries and employee benefits | $564,000 | 9,147 |
| Premises and equipment expense | $175,000 | 8,439 |
| Additional noninterest expense | $580,000 | 7,694 |
| Pre-tax net operating income | $748,000 | 6,837 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $190,000 | 7,757 |
| Income before extraordinary items | $558,000 | 6,864 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $558,000 | 6,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 4,443 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $558,000 | 6,504 |
* 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.