Home > Clemson Bank & Trust > Income and Expense
Clemson Bank & Trust, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,519,000 | 6,913 |
| Total interest expense | $1,777,000 | 6,637 |
| Net interest income | $1,742,000 | 7,031 |
| Provision for loan and lease losses | $140,000 | 4,540 |
| Total noninterest income | $365,000 | 5,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,317 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,569 |
| Total noninterest expense | $1,523,000 | 6,699 |
| Salaries and employee benefits | $543,000 | 8,018 |
| Premises and equipment expense | $221,000 | 6,445 |
| Additional noninterest expense | $759,000 | 4,905 |
| Pre-tax net operating income | $444,000 | 7,259 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $124,000 | 6,243 |
| Income before extraordinary items | $320,000 | 7,352 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $320,000 | 7,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,080 |
| Cash dividends | $285,000 | 4,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $320,000 | 7,352 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,048,000 | 7,323 |
| Total interest expense | $1,490,000 | 7,005 |
| Net interest income | $1,558,000 | 7,480 |
| Provision for loan and lease losses | $65,000 | 6,026 |
| Total noninterest income | $350,000 | 6,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 4,694 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,271 |
| Total noninterest expense | $1,404,000 | 7,030 |
| Salaries and employee benefits | $436,000 | 8,696 |
| Premises and equipment expense | $219,000 | 6,514 |
| Additional noninterest expense | $749,000 | 5,019 |
| Pre-tax net operating income | $439,000 | 7,414 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $121,000 | 6,636 |
| Income before extraordinary items | $318,000 | 7,485 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $318,000 | 7,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $318,000 | 7,459 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,697,000 | 7,873 |
| Total interest expense | $1,356,000 | 7,524 |
| Net interest income | $1,341,000 | 8,016 |
| Provision for loan and lease losses | $91,000 | 5,294 |
| Total noninterest income | $299,000 | 6,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,070 |
| Total noninterest expense | $1,172,000 | 7,617 |
| Salaries and employee benefits | $396,000 | 8,995 |
| Premises and equipment expense | $183,000 | 6,997 |
| Additional noninterest expense | $593,000 | 5,795 |
| Pre-tax net operating income | $377,000 | 7,997 |
| Securities gains (losses) | $13,000 | 2,771 |
| Applicable income taxes | $130,000 | 7,104 |
| Income before extraordinary items | $260,000 | 8,179 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $260,000 | 8,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $251,290 | 8,171 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,941,000 | 9,089 |
| Total interest expense | $1,021,000 | 8,628 |
| Net interest income | $920,000 | 9,372 |
| Provision for loan and lease losses | $136,000 | 4,347 |
| Total noninterest income | $150,000 | 8,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,024 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $801,000 | 9,028 |
| Salaries and employee benefits | $290,000 | 10,022 |
| Premises and equipment expense | $109,000 | 8,750 |
| Additional noninterest expense | $402,000 | 7,336 |
| Pre-tax net operating income | $133,000 | 9,936 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $40,000 | 9,409 |
| Income before extraordinary items | $93,000 | 10,002 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $93,000 | 10,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,192 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $93,000 | 9,959 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,177,000 | 10,554 |
| Total interest expense | $526,000 | 10,510 |
| Net interest income | $651,000 | 10,518 |
| Provision for loan and lease losses | $97,000 | 5,191 |
| Total noninterest income | $107,000 | 9,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $765,000 | 9,566 |
| Salaries and employee benefits | $298,000 | 10,362 |
| Premises and equipment expense | $149,000 | 8,083 |
| Additional noninterest expense | $318,000 | 8,690 |
| Pre-tax net operating income | $-104,000 | 10,961 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-39,000 | 11,053 |
| Income before extraordinary items | $-65,000 | 10,946 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-65,000 | 10,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-65,000 | 10,904 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $307,000 | 11,879 |
| Total interest expense | $107,000 | 11,859 |
| Net interest income | $200,000 | 11,865 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $17,000 | 11,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 10,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $416,000 | 11,379 |
| Salaries and employee benefits | $171,000 | 11,651 |
| Premises and equipment expense | $68,000 | 10,529 |
| Additional noninterest expense | $177,000 | 10,728 |
| Pre-tax net operating income | $-269,000 | 11,708 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-104,000 | 11,721 |
| Income before extraordinary items | $-165,000 | 11,659 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-165,000 | 11,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $4,385,000 | 112 |
| Net operating income | $-165,000 | 11,644 |
* 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.