Home > Bank of Evening Shade > Income and Expense

Bank of Evening Shade, Income and Expense

2002-12-31 (YTD Data)		Rank
Total interest income	$976,000	8,877
Total interest expense	$364,000	8,749
Net interest income	$612,000	8,874
Provision for loan and lease losses	$116,000	5,475
Total noninterest income	$216,000	7,152
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$79,000	6,958
Trading account gains and fees	$0	153
Additional Noninterest Income	$137,000	5,794
Total noninterest expense	$584,000	8,807
Salaries and employee benefits	$273,000	8,987
Premises and equipment expense	$62,000	8,726
Additional noninterest expense	$249,000	8,179
Pre-tax net operating income	$128,000	8,205
Securities gains (losses)	$0	4,537
Applicable income taxes	$61,000	6,388
Income before extraordinary items	$67,000	8,479
Extraordinary gains, net	$0	70
Net income	$67,000	8,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,791
Cash dividends	$70,000	5,810
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$67,000	8,389
2001-12-31 (YTD Data)		Rank
Total interest income	$1,088,000	9,087
Total interest expense	$599,000	8,828
Net interest income	$489,000	9,207
Provision for loan and lease losses	$18,000	7,646
Total noninterest income	$122,000	8,206
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$78,000	7,020
Trading account gains and fees	$0	177
Additional Noninterest Income	$44,000	7,857
Total noninterest expense	$514,000	9,146
Salaries and employee benefits	$239,000	9,290
Premises and equipment expense	$55,000	9,043
Additional noninterest expense	$220,000	8,507
Pre-tax net operating income	$79,000	8,427
Securities gains (losses)	$0	4,612
Applicable income taxes	$13,000	7,494
Income before extraordinary items	$66,000	8,531
Extraordinary gains, net	$0	105
Net income	$66,000	8,529
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,677
Cash dividends	$50,000	6,151
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$66,000	8,436
2000-12-31 (YTD Data)		Rank
Total interest income	$1,128,000	9,292
Total interest expense	$599,000	9,046
Net interest income	$529,000	9,412
Provision for loan and lease losses	$53,000	6,459
Total noninterest income	$133,000	8,136
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	7,081
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	7,569
Total noninterest expense	$476,000	9,440
Salaries and employee benefits	$210,000	9,600
Premises and equipment expense	$66,000	9,056
Additional noninterest expense	$200,000	8,785
Pre-tax net operating income	$133,000	8,672
Securities gains (losses)	$0	1,956
Applicable income taxes	$31,000	7,597
Income before extraordinary items	$102,000	8,691
Extraordinary gains, net	$0	38
Net income	$102,000	8,691
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,361
Cash dividends	$52,000	6,373
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$102,000	8,681
1999-12-31 (YTD Data)		Rank
Total interest income	$1,051,000	9,567
Total interest expense	$542,000	9,349
Net interest income	$509,000	9,669
Provision for loan and lease losses	$0	8,503
Total noninterest income	$111,000	8,649
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	7,328
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,414
Total noninterest expense	$477,000	9,692
Salaries and employee benefits	$203,000	9,906
Premises and equipment expense	$65,000	9,335
Additional noninterest expense	$209,000	8,940
Pre-tax net operating income	$143,000	8,841
Securities gains (losses)	$0	3,155
Applicable income taxes	$37,000	7,868
Income before extraordinary items	$107,000	8,913
Extraordinary gains, net	$0	35
Net income	$107,000	8,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,508
Cash dividends	$37,000	6,765
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$107,000	8,881
1998-12-31 (YTD Data)		Rank
Total interest income	$1,030,000	9,826
Total interest expense	$554,000	9,577
Net interest income	$476,000	9,964
Provision for loan and lease losses	$0	8,652
Total noninterest income	$102,000	8,996
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	7,542
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	8,918
Total noninterest expense	$442,000	9,945
Salaries and employee benefits	$180,000	10,184
Premises and equipment expense	$68,000	9,397
Additional noninterest expense	$199,000	9,125
Pre-tax net operating income	$131,000	9,275
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$34,000	8,631
Income before extraordinary items	$101,000	9,341
Extraordinary gains, net	$0	32
Net income	$101,000	9,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,505
Cash dividends	$43,000	6,995
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$98,000	9,289
1997-12-31 (YTD Data)		Rank
Total interest income	$983,000	10,314
Total interest expense	$521,000	10,047
Net interest income	$462,000	10,456
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$88,000	9,629
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	8,145
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,432
Total noninterest expense	$412,000	10,436
Salaries and employee benefits	$163,000	10,682
Premises and equipment expense	$55,000	10,079
Additional noninterest expense	$194,000	9,481
Pre-tax net operating income	$126,000	9,963
Securities gains (losses)	$-13,000	10,166
Applicable income taxes	$27,000	9,605
Income before extraordinary items	$86,000	10,043
Extraordinary gains, net	$0	44
Net income	$86,000	10,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,076
Cash dividends	$26,000	7,521
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$95,880	9,949
1996-12-31 (YTD Data)		Rank
Total interest income	$940,000	10,894
Total interest expense	$508,000	10,576
Net interest income	$432,000	11,035
Provision for loan and lease losses	$0	9,041
Total noninterest income	$93,000	10,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$65,000	8,398
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$405,000	10,951
Salaries and employee benefits	$161,000	11,192
Premises and equipment expense	$49,000	10,667
Additional noninterest expense	$195,000	9,992
Pre-tax net operating income	$120,000	10,262
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$38,000	9,901
Income before extraordinary items	$82,000	10,380
Extraordinary gains, net	$0	53
Net income	$82,000	10,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,612
Cash dividends	$25,000	7,964
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$81,310	10,340
1995-12-31 (YTD Data)		Rank
Total interest income	$881,000	11,446
Total interest expense	$522,000	10,946
Net interest income	$359,000	11,679
Provision for loan and lease losses	$0	8,958
Total noninterest income	$94,000	10,411
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	8,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	10,278
Total noninterest expense	$407,000	11,407
Salaries and employee benefits	$159,000	11,699
Premises and equipment expense	$59,000	10,818
Additional noninterest expense	$189,000	10,557
Pre-tax net operating income	$46,000	11,321
Securities gains (losses)	$0	3,831
Applicable income taxes	$2,000	11,074
Income before extraordinary items	$44,000	11,321
Extraordinary gains, net	$0	65
Net income	$44,000	11,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$19,000	8,430
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$44,000	11,288
1994-12-31 (YTD Data)		Rank
Total interest income	$721,000	12,180
Total interest expense	$339,000	11,863
Net interest income	$382,000	12,264
Provision for loan and lease losses	$2,000	9,032
Total noninterest income	$79,000	11,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	9,629
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,986
Total noninterest expense	$395,000	12,061
Salaries and employee benefits	$149,000	12,359
Premises and equipment expense	$50,000	11,639
Additional noninterest expense	$196,000	11,198
Pre-tax net operating income	$64,000	11,835
Securities gains (losses)	$-6,000	9,509
Applicable income taxes	$0	11,630
Income before extraordinary items	$58,000	11,746
Extraordinary gains, net	$0	249
Net income	$58,000	11,754
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-44,000	11,809
Cash dividends	$30,000	8,349
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$64,000	11,744
1993-12-31 (YTD Data)		Rank
Total interest income	$677,000	12,845
Total interest expense	$289,000	12,715
Net interest income	$388,000	12,840
Provision for loan and lease losses	$39,000	8,009
Total noninterest income	$68,000	12,120
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	9,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	12,477
Total noninterest expense	$361,000	12,790
Salaries and employee benefits	$127,000	13,094
Premises and equipment expense	$32,000	12,790
Additional noninterest expense	$202,000	11,701
Pre-tax net operating income	$56,000	12,146
Securities gains (losses)	$-8,000	12,705
Applicable income taxes	$16,000	11,688
Income before extraordinary items	$32,000	12,365
Extraordinary gains, net	$0	3,149
Net income	$32,000	12,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	12,001
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$37,360	12,194
1992-12-31 (YTD Data)		Rank
Total interest income	$725,000	13,456
Total interest expense	$337,000	13,391
Net interest income	$388,000	13,415
Provision for loan and lease losses	$47,000	9,237
Total noninterest income	$70,000	12,557
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	12,557
Total noninterest expense	$351,000	13,398
Salaries and employee benefits	$114,000	13,737
Premises and equipment expense	$46,000	12,842
Additional noninterest expense	$191,000	12,354
Pre-tax net operating income	$60,000	12,351
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$29,000	11,842
Income before extraordinary items	$35,000	12,678
Extraordinary gains, net	$0	1,422
Net income	$35,000	12,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	6,412
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$32,440	12,449

* 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.