Home > Charter Bank and Trust > Income and Expense
Charter Bank and Trust, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 10,529 |
| Total interest expense | $469,000 | 11,133 |
| Net interest income | $1,032,000 | 9,849 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $1,311,000 | 2,527 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,156,000 | 1,636 |
| Total noninterest expense | $1,835,000 | 6,379 |
| Salaries and employee benefits | $1,044,000 | 5,831 |
| Premises and equipment expense | $196,000 | 7,269 |
| Additional noninterest expense | $595,000 | 6,569 |
| Pre-tax net operating income | $383,000 | 9,173 |
| Securities gains (losses) | $26,000 | 1,716 |
| Applicable income taxes | $139,000 | 8,466 |
| Income before extraordinary items | $270,000 | 9,225 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $270,000 | 9,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,648 |
| Cash dividends | $12,000 | 8,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $252,840 | 9,366 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,094,000 | 11,539 |
| Total interest expense | $294,000 | 12,058 |
| Net interest income | $800,000 | 11,057 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,491,000 | 2,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,334,000 | 1,507 |
| Total noninterest expense | $1,806,000 | 6,674 |
| Salaries and employee benefits | $1,010,000 | 6,045 |
| Premises and equipment expense | $205,000 | 7,319 |
| Additional noninterest expense | $591,000 | 7,102 |
| Pre-tax net operating income | $485,000 | 8,762 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $167,000 | 7,982 |
| Income before extraordinary items | $319,000 | 8,952 |
| Extraordinary gains, net | $6,000 | 228 |
| Net income | $325,000 | 8,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,355 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $318,340 | 9,017 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,014,000 | 12,258 |
| Total interest expense | $271,000 | 12,781 |
| Net interest income | $743,000 | 11,710 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,702,000 | 2,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 7,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,561,000 | 1,508 |
| Total noninterest expense | $1,885,000 | 6,664 |
| Salaries and employee benefits | $1,000,000 | 6,136 |
| Premises and equipment expense | $199,000 | 7,707 |
| Additional noninterest expense | $686,000 | 6,658 |
| Pre-tax net operating income | $560,000 | 8,226 |
| Securities gains (losses) | $15,000 | 5,022 |
| Applicable income taxes | $196,000 | 7,696 |
| Income before extraordinary items | $379,000 | 8,647 |
| Extraordinary gains, net | $21,000 | 2,682 |
| Net income | $400,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 12,096 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $369,100 | 8,488 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $860,000 | 13,257 |
| Total interest expense | $311,000 | 13,447 |
| Net interest income | $549,000 | 12,916 |
| Provision for loan and lease losses | $29,000 | 10,079 |
| Total noninterest income | $889,000 | 3,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 7,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $759,000 | 2,379 |
| Total noninterest expense | $1,184,000 | 9,120 |
| Salaries and employee benefits | $606,000 | 8,758 |
| Premises and equipment expense | $203,000 | 7,765 |
| Additional noninterest expense | $375,000 | 9,880 |
| Pre-tax net operating income | $225,000 | 10,839 |
| Securities gains (losses) | $57,000 | 3,915 |
| Applicable income taxes | $190,000 | 7,757 |
| Income before extraordinary items | $92,000 | 12,035 |
| Extraordinary gains, net | $154,000 | 549 |
| Net income | $246,000 | 10,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $55,520 | 12,242 |
* 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.