Home > Bryan County National Bank > Income and Expense

Bryan County National Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$2,627,000	7,612
Total interest expense	$981,000	8,062
Net interest income	$1,646,000	7,072
Provision for loan and lease losses	$18,000	7,646
Total noninterest income	$385,000	5,783
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$338,000	3,856
Trading account gains and fees	$0	177
Additional Noninterest Income	$47,000	7,763
Total noninterest expense	$1,134,000	7,617
Salaries and employee benefits	$704,000	7,186
Premises and equipment expense	$164,000	7,301
Additional noninterest expense	$266,000	8,107
Pre-tax net operating income	$879,000	5,247
Securities gains (losses)	$0	4,612
Applicable income taxes	$283,000	4,389
Income before extraordinary items	$596,000	5,652
Extraordinary gains, net	$0	105
Net income	$596,000	5,655
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,919
Cash dividends	$580,000	3,208
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$596,000	5,519
2000-12-31 (YTD Data)		Rank
Total interest income	$2,446,000	7,968
Total interest expense	$999,000	8,221
Net interest income	$1,447,000	7,550
Provision for loan and lease losses	$143,000	4,507
Total noninterest income	$279,000	6,483
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$229,000	4,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	7,811
Total noninterest expense	$1,023,000	7,953
Salaries and employee benefits	$639,000	7,499
Premises and equipment expense	$172,000	7,209
Additional noninterest expense	$212,000	8,676
Pre-tax net operating income	$560,000	6,743
Securities gains (losses)	$0	1,956
Applicable income taxes	$160,000	5,801
Income before extraordinary items	$400,000	6,860
Extraordinary gains, net	$0	38
Net income	$400,000	6,858
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	4,827
Cash dividends	$400,000	3,920
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$400,000	6,869
1999-12-31 (YTD Data)		Rank
Total interest income	$2,272,000	8,171
Total interest expense	$867,000	8,527
Net interest income	$1,405,000	7,777
Provision for loan and lease losses	$145,000	4,342
Total noninterest income	$264,000	6,800
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$191,000	5,239
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	7,335
Total noninterest expense	$974,000	8,204
Salaries and employee benefits	$669,000	7,397
Premises and equipment expense	$106,000	8,515
Additional noninterest expense	$199,000	9,033
Pre-tax net operating income	$550,000	6,908
Securities gains (losses)	$0	3,155
Applicable income taxes	$142,000	6,382
Income before extraordinary items	$408,000	6,943
Extraordinary gains, net	$0	35
Net income	$408,000	6,942
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	2,903
Cash dividends	$400,000	3,903
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$408,000	6,917
1998-12-31 (YTD Data)		Rank
Total interest income	$2,294,000	8,315
Total interest expense	$901,000	8,688
Net interest income	$1,393,000	7,918
Provision for loan and lease losses	$20,000	7,729
Total noninterest income	$254,000	6,962
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$190,000	5,288
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	7,673
Total noninterest expense	$1,008,000	8,091
Salaries and employee benefits	$743,000	6,962
Premises and equipment expense	$103,000	8,641
Additional noninterest expense	$162,000	9,542
Pre-tax net operating income	$619,000	6,816
Securities gains (losses)	$0	4,449
Applicable income taxes	$150,000	6,830
Income before extraordinary items	$469,000	6,794
Extraordinary gains, net	$0	32
Net income	$469,000	6,792
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,524
Cash dividends	$420,000	3,886
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$469,000	6,687
1997-12-31 (YTD Data)		Rank
Total interest income	$2,262,000	8,687
Total interest expense	$913,000	8,923
Net interest income	$1,349,000	8,360
Provision for loan and lease losses	$30,000	7,369
Total noninterest income	$223,000	7,553
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$192,000	5,466
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	9,280
Total noninterest expense	$919,000	8,613
Salaries and employee benefits	$707,000	7,282
Premises and equipment expense	$72,000	9,646
Additional noninterest expense	$140,000	10,120
Pre-tax net operating income	$623,000	7,319
Securities gains (losses)	$0	3,944
Applicable income taxes	$164,000	7,403
Income before extraordinary items	$459,000	7,240
Extraordinary gains, net	$0	44
Net income	$459,000	7,243
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,572
Cash dividends	$450,000	3,689
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$459,000	7,182
1996-12-31 (YTD Data)		Rank
Total interest income	$2,117,000	9,225
Total interest expense	$838,000	9,518
Net interest income	$1,279,000	8,822
Provision for loan and lease losses	$0	9,041
Total noninterest income	$197,000	8,278
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$174,000	6,042
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,237
Total noninterest expense	$852,000	9,226
Salaries and employee benefits	$640,000	7,896
Premises and equipment expense	$63,000	10,274
Additional noninterest expense	$149,000	10,555
Pre-tax net operating income	$624,000	7,293
Securities gains (losses)	$-12,000	10,370
Applicable income taxes	$169,000	7,593
Income before extraordinary items	$443,000	7,290
Extraordinary gains, net	$0	53
Net income	$443,000	7,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,243
Cash dividends	$450,000	3,623
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$451,640	7,177
1995-12-31 (YTD Data)		Rank
Total interest income	$2,070,000	9,603
Total interest expense	$878,000	9,703
Net interest income	$1,192,000	9,351
Provision for loan and lease losses	$18,000	7,795
Total noninterest income	$202,000	8,394
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$158,000	6,485
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,521
Total noninterest expense	$849,000	9,556
Salaries and employee benefits	$607,000	8,316
Premises and equipment expense	$77,000	10,293
Additional noninterest expense	$165,000	10,880
Pre-tax net operating income	$527,000	8,289
Securities gains (losses)	$0	3,831
Applicable income taxes	$146,000	8,329
Income before extraordinary items	$381,000	8,230
Extraordinary gains, net	$0	65
Net income	$381,000	8,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,953
Cash dividends	$375,000	4,026
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$381,000	8,213
1994-12-31 (YTD Data)		Rank
Total interest income	$1,843,000	10,086
Total interest expense	$666,000	10,278
Net interest income	$1,177,000	9,817
Provision for loan and lease losses	$6,000	8,739
Total noninterest income	$181,000	9,083
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	6,969
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	10,550
Total noninterest expense	$909,000	9,738
Salaries and employee benefits	$631,000	8,395
Premises and equipment expense	$83,000	10,557
Additional noninterest expense	$195,000	11,210
Pre-tax net operating income	$443,000	9,044
Securities gains (losses)	$0	3,600
Applicable income taxes	$121,000	8,911
Income before extraordinary items	$322,000	8,914
Extraordinary gains, net	$0	249
Net income	$322,000	8,918
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,012
Cash dividends	$300,000	4,418
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$322,000	8,964
1993-12-31 (YTD Data)		Rank
Total interest income	$1,821,000	10,551
Total interest expense	$607,000	11,097
Net interest income	$1,214,000	10,027
Provision for loan and lease losses	$0	10,371
Total noninterest income	$216,000	8,911
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$153,000	7,016
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	9,389
Total noninterest expense	$846,000	10,446
Salaries and employee benefits	$592,000	8,868
Premises and equipment expense	$71,000	11,459
Additional noninterest expense	$183,000	11,973
Pre-tax net operating income	$584,000	8,056
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$158,000	8,455
Income before extraordinary items	$429,000	8,146
Extraordinary gains, net	$0	3,149
Net income	$429,000	8,308
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	7,294
Cash dividends	$400,000	3,627
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$426,810	7,900
1992-12-31 (YTD Data)		Rank
Total interest income	$2,068,000	10,764
Total interest expense	$754,000	11,556
Net interest income	$1,314,000	9,933
Provision for loan and lease losses	$0	11,756
Total noninterest income	$180,000	9,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$148,000	7,158
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,632
Total noninterest expense	$791,000	11,048
Salaries and employee benefits	$528,000	9,501
Premises and equipment expense	$72,000	11,802
Additional noninterest expense	$191,000	12,354
Pre-tax net operating income	$703,000	7,077
Securities gains (losses)	$5,000	7,049
Applicable income taxes	$156,000	8,466
Income before extraordinary items	$552,000	6,913
Extraordinary gains, net	$0	1,422
Net income	$552,000	6,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	8,849
Cash dividends	$400,000	3,284
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$548,100	6,582

* 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.