Home > Barbour County Bank > Income and Expense
Barbour County Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 5,795 |
| Total interest expense | $1,528,000 | 5,673 |
| Net interest income | $2,618,000 | 5,759 |
| Provision for loan and lease losses | $94,000 | 5,835 |
| Total noninterest income | $585,000 | 4,798 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $461,000 | 3,174 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $124,000 | 6,000 |
| Total noninterest expense | $1,853,000 | 6,150 |
| Salaries and employee benefits | $1,106,000 | 5,791 |
| Premises and equipment expense | $215,000 | 6,592 |
| Additional noninterest expense | $532,000 | 6,329 |
| Pre-tax net operating income | $1,256,000 | 4,591 |
| Securities gains (losses) | $77,000 | 2,005 |
| Applicable income taxes | $93,000 | 6,029 |
| Income before extraordinary items | $1,240,000 | 3,991 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,240,000 | 3,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $744,000 | 2,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,168,390 | 4,057 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,145,000 | 5,520 |
| Total interest expense | $2,550,000 | 5,336 |
| Net interest income | $2,595,000 | 5,588 |
| Provision for loan and lease losses | $65,000 | 6,279 |
| Total noninterest income | $536,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $444,000 | 3,131 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $92,000 | 6,609 |
| Total noninterest expense | $1,803,000 | 6,125 |
| Salaries and employee benefits | $1,055,000 | 5,803 |
| Premises and equipment expense | $192,000 | 6,897 |
| Additional noninterest expense | $556,000 | 6,126 |
| Pre-tax net operating income | $1,263,000 | 4,308 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $389,000 | 3,792 |
| Income before extraordinary items | $879,000 | 4,628 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $879,000 | 4,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,025 |
| Cash dividends | $600,000 | 3,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $875,550 | 4,539 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,668,000 | 5,287 |
| Total interest expense | $2,869,000 | 5,093 |
| Net interest income | $2,799,000 | 5,404 |
| Provision for loan and lease losses | $72,000 | 5,921 |
| Total noninterest income | $485,000 | 4,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $417,000 | 3,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,243 |
| Total noninterest expense | $1,799,000 | 6,058 |
| Salaries and employee benefits | $1,088,000 | 5,599 |
| Premises and equipment expense | $197,000 | 6,817 |
| Additional noninterest expense | $514,000 | 6,321 |
| Pre-tax net operating income | $1,413,000 | 4,240 |
| Securities gains (losses) | $11,000 | 1,132 |
| Applicable income taxes | $463,000 | 3,658 |
| Income before extraordinary items | $961,000 | 4,492 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $961,000 | 4,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $953,630 | 4,517 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,137,000 | 5,470 |
| Total interest expense | $2,612,000 | 5,067 |
| Net interest income | $2,525,000 | 5,764 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $441,000 | 5,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $363,000 | 3,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,202 |
| Total noninterest expense | $1,708,000 | 6,282 |
| Salaries and employee benefits | $1,008,000 | 5,854 |
| Premises and equipment expense | $187,000 | 7,010 |
| Additional noninterest expense | $513,000 | 6,418 |
| Pre-tax net operating income | $1,138,000 | 4,929 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $350,000 | 4,472 |
| Income before extraordinary items | $793,000 | 5,117 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $793,000 | 5,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,199 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $789,550 | 5,091 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,360,000 | 5,406 |
| Total interest expense | $2,805,000 | 4,957 |
| Net interest income | $2,555,000 | 5,761 |
| Provision for loan and lease losses | $207,000 | 3,445 |
| Total noninterest income | $401,000 | 5,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,612 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,572 |
| Total noninterest expense | $1,766,000 | 6,083 |
| Salaries and employee benefits | $997,000 | 5,806 |
| Premises and equipment expense | $167,000 | 7,299 |
| Additional noninterest expense | $602,000 | 5,746 |
| Pre-tax net operating income | $983,000 | 5,467 |
| Securities gains (losses) | $21,000 | 2,394 |
| Applicable income taxes | $297,000 | 5,196 |
| Income before extraordinary items | $707,000 | 5,589 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $707,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,378 |
| Cash dividends | $188,000 | 5,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $692,300 | 5,544 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,347,000 | 5,528 |
| Total interest expense | $2,736,000 | 5,068 |
| Net interest income | $2,611,000 | 5,878 |
| Provision for loan and lease losses | $39,000 | 7,061 |
| Total noninterest income | $391,000 | 5,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,749 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,127 |
| Total noninterest expense | $1,581,000 | 6,576 |
| Salaries and employee benefits | $1,015,000 | 5,799 |
| Premises and equipment expense | $165,000 | 7,471 |
| Additional noninterest expense | $401,000 | 7,347 |
| Pre-tax net operating income | $1,382,000 | 4,759 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $447,000 | 4,551 |
| Income before extraordinary items | $935,000 | 4,928 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $935,000 | 4,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $100,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $935,000 | 4,858 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,006,000 | 5,927 |
| Total interest expense | $2,632,000 | 5,314 |
| Net interest income | $2,374,000 | 6,429 |
| Provision for loan and lease losses | $39,000 | 7,052 |
| Total noninterest income | $384,000 | 6,090 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,910 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,888 |
| Total noninterest expense | $1,525,000 | 7,040 |
| Salaries and employee benefits | $975,000 | 6,107 |
| Premises and equipment expense | $173,000 | 7,570 |
| Additional noninterest expense | $377,000 | 8,080 |
| Pre-tax net operating income | $1,194,000 | 5,142 |
| Securities gains (losses) | $-10,000 | 10,276 |
| Applicable income taxes | $382,000 | 5,043 |
| Income before extraordinary items | $802,000 | 5,300 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $802,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $808,800 | 5,203 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,604,000 | 6,345 |
| Total interest expense | $2,506,000 | 5,558 |
| Net interest income | $2,098,000 | 7,085 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $362,000 | 6,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $319,000 | 4,071 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $1,503,000 | 7,264 |
| Salaries and employee benefits | $930,000 | 6,401 |
| Premises and equipment expense | $173,000 | 7,747 |
| Additional noninterest expense | $400,000 | 8,198 |
| Pre-tax net operating income | $945,000 | 6,216 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $300,000 | 5,992 |
| Income before extraordinary items | $645,000 | 6,345 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $645,000 | 6,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $645,000 | 6,331 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,938,000 | 6,783 |
| Total interest expense | $1,987,000 | 5,644 |
| Net interest income | $1,951,000 | 7,681 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $385,000 | 6,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,881 |
| Total noninterest expense | $1,499,000 | 7,602 |
| Salaries and employee benefits | $860,000 | 6,875 |
| Premises and equipment expense | $185,000 | 7,754 |
| Additional noninterest expense | $454,000 | 8,277 |
| Pre-tax net operating income | $807,000 | 6,836 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $255,000 | 6,452 |
| Income before extraordinary items | $552,000 | 6,888 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $552,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $552,000 | 6,947 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,841,000 | 7,064 |
| Total interest expense | $1,956,000 | 5,942 |
| Net interest income | $1,885,000 | 7,996 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $396,000 | 6,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 4,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,494 |
| Total noninterest expense | $1,522,000 | 7,760 |
| Salaries and employee benefits | $860,000 | 6,959 |
| Premises and equipment expense | $194,000 | 7,809 |
| Additional noninterest expense | $468,000 | 8,536 |
| Pre-tax net operating income | $723,000 | 7,237 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $240,000 | 6,952 |
| Income before extraordinary items | $483,000 | 7,691 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $483,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 12,247 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $483,000 | 7,435 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,397,000 | 8,328 |
| Total interest expense | $1,852,000 | 7,473 |
| Net interest income | $1,545,000 | 9,131 |
| Provision for loan and lease losses | $606,000 | 2,604 |
| Total noninterest income | $327,000 | 7,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,797 |
| Total noninterest expense | $1,388,000 | 8,347 |
| Salaries and employee benefits | $678,000 | 8,158 |
| Premises and equipment expense | $202,000 | 7,788 |
| Additional noninterest expense | $508,000 | 8,384 |
| Pre-tax net operating income | $-122,000 | 12,984 |
| Securities gains (losses) | $-23,000 | 13,513 |
| Applicable income taxes | $-128,000 | 13,608 |
| Income before extraordinary items | $-17,000 | 12,935 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-17,000 | 12,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $606,000 | 2,163 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-2,280 | 12,685 |
* 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.