Home > Carroll County Bank and Trust Company > Income and Expense
Carroll County Bank and Trust Company, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $51,899,000 | 676 |
| Total interest expense | $30,269,000 | 559 |
| Net interest income | $21,630,000 | 816 |
| Provision for loan and lease losses | $278,000 | 2,844 |
| Total noninterest income | $6,630,000 | 779 |
| Gross Fiduciary activities income | $1,765,000 | 341 |
| Service charges on deposit accounts | $1,588,000 | 835 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,277,000 | 844 |
| Total noninterest expense | $29,338,000 | 551 |
| Salaries and employee benefits | $12,707,000 | 570 |
| Premises and equipment expense | $2,502,000 | 807 |
| Additional noninterest expense | $14,129,000 | 464 |
| Pre-tax net operating income | $-1,356,000 | 10,118 |
| Securities gains (losses) | $-199,000 | 10,039 |
| Applicable income taxes | $-2,783,000 | 10,206 |
| Income before extraordinary items | $1,228,000 | 3,806 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,228,000 | 3,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,165 |
| Cash dividends | $1,568,000 | 1,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,355,360 | 3,477 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $50,798,000 | 671 |
| Total interest expense | $29,596,000 | 581 |
| Net interest income | $21,202,000 | 806 |
| Provision for loan and lease losses | $196,000 | 3,565 |
| Total noninterest income | $7,133,000 | 740 |
| Gross Fiduciary activities income | $1,666,000 | 350 |
| Service charges on deposit accounts | $1,533,000 | 805 |
| Trading account gains and fees | $86,000 | 158 |
| Additional Noninterest Income | $3,848,000 | 770 |
| Total noninterest expense | $19,303,000 | 765 |
| Salaries and employee benefits | $12,316,000 | 580 |
| Premises and equipment expense | $2,693,000 | 747 |
| Additional noninterest expense | $4,294,000 | 1,070 |
| Pre-tax net operating income | $8,836,000 | 892 |
| Securities gains (losses) | $387,000 | 637 |
| Applicable income taxes | $1,662,000 | 1,472 |
| Income before extraordinary items | $7,561,000 | 745 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $7,561,000 | 744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $11,527,000 | 345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $7,243,660 | 741 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $46,691,000 | 740 |
| Total interest expense | $26,257,000 | 640 |
| Net interest income | $20,434,000 | 873 |
| Provision for loan and lease losses | $73,000 | 5,838 |
| Total noninterest income | $6,490,000 | 768 |
| Gross Fiduciary activities income | $1,471,000 | 382 |
| Service charges on deposit accounts | $1,572,000 | 810 |
| Trading account gains and fees | $25,000 | 194 |
| Additional Noninterest Income | $3,422,000 | 777 |
| Total noninterest expense | $17,205,000 | 836 |
| Salaries and employee benefits | $11,050,000 | 631 |
| Premises and equipment expense | $2,419,000 | 832 |
| Additional noninterest expense | $3,736,000 | 1,183 |
| Pre-tax net operating income | $9,646,000 | 841 |
| Securities gains (losses) | $333,000 | 536 |
| Applicable income taxes | $2,149,000 | 1,242 |
| Income before extraordinary items | $7,830,000 | 723 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,830,000 | 724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 10,438 |
| Cash dividends | $3,159,000 | 896 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,570,260 | 726 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $40,043,000 | 874 |
| Total interest expense | $21,163,000 | 804 |
| Net interest income | $18,880,000 | 975 |
| Provision for loan and lease losses | $227,000 | 3,139 |
| Total noninterest income | $4,704,000 | 988 |
| Gross Fiduciary activities income | $1,407,000 | 424 |
| Service charges on deposit accounts | $1,394,000 | 955 |
| Trading account gains and fees | $2,000 | 256 |
| Additional Noninterest Income | $1,901,000 | 1,193 |
| Total noninterest expense | $15,113,000 | 1,009 |
| Salaries and employee benefits | $9,634,000 | 723 |
| Premises and equipment expense | $2,095,000 | 1,010 |
| Additional noninterest expense | $3,384,000 | 1,567 |
| Pre-tax net operating income | $8,244,000 | 931 |
| Securities gains (losses) | $269,000 | 584 |
| Applicable income taxes | $1,739,000 | 1,397 |
| Income before extraordinary items | $6,774,000 | 799 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,774,000 | 800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,164 |
| Cash dividends | $5,910,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,558,800 | 802 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $38,464,000 | 931 |
| Total interest expense | $19,644,000 | 897 |
| Net interest income | $18,820,000 | 984 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $3,596,000 | 1,204 |
| Gross Fiduciary activities income | $1,113,000 | 510 |
| Service charges on deposit accounts | $1,256,000 | 1,066 |
| Trading account gains and fees | $16,000 | 405 |
| Additional Noninterest Income | $1,211,000 | 1,589 |
| Total noninterest expense | $14,035,000 | 1,072 |
| Salaries and employee benefits | $8,570,000 | 817 |
| Premises and equipment expense | $1,895,000 | 1,118 |
| Additional noninterest expense | $3,570,000 | 1,464 |
| Pre-tax net operating income | $8,381,000 | 943 |
| Securities gains (losses) | $91,000 | 999 |
| Applicable income taxes | $1,956,000 | 1,300 |
| Income before extraordinary items | $6,516,000 | 856 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,516,000 | 855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 11,160 |
| Cash dividends | $9,618,000 | 404 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,445,930 | 852 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $34,744,000 | 917 |
| Total interest expense | $15,391,000 | 886 |
| Net interest income | $19,353,000 | 953 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $3,121,000 | 1,321 |
| Gross Fiduciary activities income | $949,000 | 536 |
| Service charges on deposit accounts | $1,208,000 | 1,102 |
| Trading account gains and fees | $7,000 | 393 |
| Additional Noninterest Income | $957,000 | 1,893 |
| Total noninterest expense | $13,792,000 | 1,091 |
| Salaries and employee benefits | $8,219,000 | 833 |
| Premises and equipment expense | $1,773,000 | 1,189 |
| Additional noninterest expense | $3,800,000 | 1,475 |
| Pre-tax net operating income | $8,682,000 | 896 |
| Securities gains (losses) | $185,000 | 524 |
| Applicable income taxes | $2,236,000 | 1,087 |
| Income before extraordinary items | $6,631,000 | 804 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,631,000 | 805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,795 |
| Cash dividends | $3,601,000 | 706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,492,250 | 813 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $35,020,000 | 924 |
| Total interest expense | $15,217,000 | 926 |
| Net interest income | $19,803,000 | 937 |
| Provision for loan and lease losses | $329,000 | 2,811 |
| Total noninterest income | $3,730,000 | 1,229 |
| Gross Fiduciary activities income | $811,000 | 602 |
| Service charges on deposit accounts | $1,245,000 | 1,073 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,674,000 | 1,415 |
| Total noninterest expense | $13,776,000 | 1,138 |
| Salaries and employee benefits | $8,141,000 | 854 |
| Premises and equipment expense | $1,744,000 | 1,229 |
| Additional noninterest expense | $3,891,000 | 1,558 |
| Pre-tax net operating income | $9,428,000 | 779 |
| Securities gains (losses) | $233,000 | 1,515 |
| Applicable income taxes | $3,067,000 | 842 |
| Income before extraordinary items | $6,594,000 | 790 |
| Extraordinary gains, net | $-11,000 | 12,328 |
| Net income | $6,583,000 | 824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,917 |
| Cash dividends | $1,831,000 | 1,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,435,560 | 760 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $37,806,000 | 989 |
| Total interest expense | $18,467,000 | 981 |
| Net interest income | $19,339,000 | 972 |
| Provision for loan and lease losses | $812,000 | 2,130 |
| Total noninterest income | $3,894,000 | 1,161 |
| Gross Fiduciary activities income | $734,000 | 641 |
| Service charges on deposit accounts | $1,279,000 | 1,016 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,881,000 | 1,295 |
| Total noninterest expense | $14,004,000 | 1,124 |
| Salaries and employee benefits | $7,402,000 | 918 |
| Premises and equipment expense | $2,040,000 | 1,098 |
| Additional noninterest expense | $4,562,000 | 1,444 |
| Pre-tax net operating income | $8,417,000 | 766 |
| Securities gains (losses) | $516,000 | 1,063 |
| Applicable income taxes | $3,157,000 | 736 |
| Income before extraordinary items | $5,776,000 | 828 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,776,000 | 831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $712,000 | 1,953 |
| Cash dividends | $3,369,000 | 530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,440,600 | 800 |
* 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.