Home > Community Bank of Smith County > Income and Expense
Community Bank of Smith County, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,375,000 | 4,749 |
| Total interest expense | $506,000 | 3,996 |
| Net interest income | $869,000 | 5,066 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $185,000 | 4,185 |
| Gross Fiduciary activities income | $128,000 | 590 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,893 |
| Total noninterest expense | $627,000 | 5,372 |
| Salaries and employee benefits | $253,000 | 6,347 |
| Premises and equipment expense | $99,000 | 4,901 |
| Additional noninterest expense | $275,000 | 4,067 |
| Pre-tax net operating income | $352,000 | 4,580 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $134,000 | 3,287 |
| Income before extraordinary items | $218,000 | 5,199 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $218,000 | 5,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,607 |
| Cash dividends | $153,000 | 2,510 |
| Sale, conversion, retirement of capital stock, net | $135,000 | 242 |
| Net operating income | $218,000 | 5,169 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,871,000 | 4,936 |
| Total interest expense | $1,648,000 | 4,240 |
| Net interest income | $3,223,000 | 5,189 |
| Provision for loan and lease losses | $650,000 | 1,541 |
| Total noninterest income | $781,000 | 4,110 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $559,000 | 2,873 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $222,000 | 4,894 |
| Total noninterest expense | $2,482,000 | 5,341 |
| Salaries and employee benefits | $981,000 | 6,330 |
| Premises and equipment expense | $370,000 | 5,027 |
| Additional noninterest expense | $1,131,000 | 3,931 |
| Pre-tax net operating income | $872,000 | 5,580 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $323,000 | 4,071 |
| Income before extraordinary items | $549,000 | 6,161 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $549,000 | 6,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 2,041 |
| Cash dividends | $283,000 | 4,450 |
| Sale, conversion, retirement of capital stock, net | $252,000 | 545 |
| Net operating income | $549,000 | 6,086 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,545,000 | 5,017 |
| Total interest expense | $1,189,000 | 4,316 |
| Net interest income | $2,356,000 | 5,260 |
| Provision for loan and lease losses | $295,000 | 2,304 |
| Total noninterest income | $598,000 | 4,097 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $420,000 | 2,887 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $178,000 | 4,744 |
| Total noninterest expense | $1,822,000 | 5,372 |
| Salaries and employee benefits | $738,000 | 6,298 |
| Premises and equipment expense | $290,000 | 4,862 |
| Additional noninterest expense | $794,000 | 4,115 |
| Pre-tax net operating income | $837,000 | 5,065 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $316,000 | 3,702 |
| Income before extraordinary items | $521,000 | 5,718 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $521,000 | 5,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,013 |
| Cash dividends | $283,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $252,000 | 417 |
| Net operating income | $521,000 | 5,648 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,291,000 | 5,120 |
| Total interest expense | $765,000 | 4,406 |
| Net interest income | $1,526,000 | 5,350 |
| Provision for loan and lease losses | $206,000 | 2,155 |
| Total noninterest income | $382,000 | 4,204 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $283,000 | 2,841 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $99,000 | 5,168 |
| Total noninterest expense | $1,183,000 | 5,483 |
| Salaries and employee benefits | $484,000 | 6,396 |
| Premises and equipment expense | $200,000 | 4,757 |
| Additional noninterest expense | $499,000 | 4,316 |
| Pre-tax net operating income | $519,000 | 5,209 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $207,000 | 3,708 |
| Income before extraordinary items | $312,000 | 5,949 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $312,000 | 5,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,878 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $133,000 | 382 |
| Net operating income | $312,000 | 5,857 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,100,000 | 5,266 |
| Total interest expense | $369,000 | 4,557 |
| Net interest income | $731,000 | 5,481 |
| Provision for loan and lease losses | $95,000 | 2,197 |
| Total noninterest income | $191,000 | 4,161 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $122,000 | 3,125 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $69,000 | 4,468 |
| Total noninterest expense | $566,000 | 5,638 |
| Salaries and employee benefits | $232,000 | 6,571 |
| Premises and equipment expense | $99,000 | 4,820 |
| Additional noninterest expense | $235,000 | 4,516 |
| Pre-tax net operating income | $261,000 | 5,161 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $98,000 | 3,813 |
| Income before extraordinary items | $163,000 | 5,812 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $163,000 | 5,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 1,573 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $133,000 | 235 |
| Net operating income | $163,000 | 5,689 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,051,000 | 5,602 |
| Total interest expense | $1,435,000 | 5,011 |
| Net interest income | $2,616,000 | 5,758 |
| Provision for loan and lease losses | $298,000 | 3,228 |
| Total noninterest income | $660,000 | 4,707 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $478,000 | 3,202 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $182,000 | 5,477 |
| Total noninterest expense | $1,847,000 | 6,261 |
| Salaries and employee benefits | $723,000 | 7,222 |
| Premises and equipment expense | $260,000 | 6,066 |
| Additional noninterest expense | $864,000 | 4,785 |
| Pre-tax net operating income | $1,131,000 | 4,828 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $429,000 | 3,646 |
| Income before extraordinary items | $702,000 | 5,584 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $702,000 | 5,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,841 |
| Cash dividends | $240,000 | 4,710 |
| Sale, conversion, retirement of capital stock, net | $214,000 | 589 |
| Net operating income | $702,000 | 5,413 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,013,000 | 5,695 |
| Total interest expense | $1,078,000 | 5,149 |
| Net interest income | $1,935,000 | 5,827 |
| Provision for loan and lease losses | $221,000 | 3,163 |
| Total noninterest income | $478,000 | 4,860 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $347,000 | 3,297 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $131,000 | 5,597 |
| Total noninterest expense | $1,299,000 | 6,447 |
| Salaries and employee benefits | $521,000 | 7,290 |
| Premises and equipment expense | $162,000 | 6,596 |
| Additional noninterest expense | $616,000 | 4,915 |
| Pre-tax net operating income | $893,000 | 4,849 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $336,000 | 3,720 |
| Income before extraordinary items | $557,000 | 5,586 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $557,000 | 5,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 2,893 |
| Cash dividends | $240,000 | 3,794 |
| Sale, conversion, retirement of capital stock, net | $214,000 | 442 |
| Net operating income | $557,000 | 5,406 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,988,000 | 5,770 |
| Total interest expense | $724,000 | 5,238 |
| Net interest income | $1,264,000 | 5,894 |
| Provision for loan and lease losses | $124,000 | 3,416 |
| Total noninterest income | $299,000 | 4,991 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $222,000 | 3,369 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $77,000 | 5,786 |
| Total noninterest expense | $831,000 | 6,589 |
| Salaries and employee benefits | $321,000 | 7,504 |
| Premises and equipment expense | $111,000 | 6,499 |
| Additional noninterest expense | $399,000 | 5,014 |
| Pre-tax net operating income | $608,000 | 4,795 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $228,000 | 3,709 |
| Income before extraordinary items | $380,000 | 5,547 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $380,000 | 5,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,057 |
| Cash dividends | $110,000 | 4,156 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 393 |
| Net operating income | $380,000 | 5,330 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $994,000 | 5,791 |
| Total interest expense | $366,000 | 5,306 |
| Net interest income | $628,000 | 5,906 |
| Provision for loan and lease losses | $65,000 | 3,141 |
| Total noninterest income | $126,000 | 5,337 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 3,577 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 6,429 |
| Total noninterest expense | $405,000 | 6,675 |
| Salaries and employee benefits | $149,000 | 7,735 |
| Premises and equipment expense | $54,000 | 6,574 |
| Additional noninterest expense | $202,000 | 4,939 |
| Pre-tax net operating income | $284,000 | 4,937 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $106,000 | 3,831 |
| Income before extraordinary items | $178,000 | 5,620 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $178,000 | 5,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,174 |
| Cash dividends | $110,000 | 2,809 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 224 |
| Net operating income | $178,000 | 5,425 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,976,000 | 5,916 |
| Total interest expense | $1,639,000 | 5,451 |
| Net interest income | $2,337,000 | 6,120 |
| Provision for loan and lease losses | $304,000 | 3,386 |
| Total noninterest income | $412,000 | 5,705 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $324,000 | 4,061 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $88,000 | 6,695 |
| Total noninterest expense | $1,429,000 | 7,002 |
| Salaries and employee benefits | $528,000 | 8,024 |
| Premises and equipment expense | $208,000 | 6,677 |
| Additional noninterest expense | $693,000 | 5,443 |
| Pre-tax net operating income | $1,016,000 | 5,166 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $377,000 | 4,005 |
| Income before extraordinary items | $639,000 | 5,799 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $639,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,886 |
| Cash dividends | $198,000 | 4,934 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 579 |
| Net operating income | $639,000 | 5,668 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,752,000 | 6,541 |
| Total interest expense | $2,037,000 | 6,038 |
| Net interest income | $1,715,000 | 6,954 |
| Provision for loan and lease losses | $201,000 | 4,110 |
| Total noninterest income | $404,000 | 5,653 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $318,000 | 4,018 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $86,000 | 6,743 |
| Total noninterest expense | $1,198,000 | 7,460 |
| Salaries and employee benefits | $422,000 | 8,530 |
| Premises and equipment expense | $174,000 | 7,155 |
| Additional noninterest expense | $602,000 | 5,826 |
| Pre-tax net operating income | $720,000 | 5,748 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $264,000 | 4,520 |
| Income before extraordinary items | $456,000 | 6,279 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $456,000 | 6,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,035 |
| Cash dividends | $88,000 | 5,852 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 684 |
| Net operating income | $456,000 | 6,162 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,027,000 | 7,386 |
| Total interest expense | $1,669,000 | 6,825 |
| Net interest income | $1,358,000 | 7,742 |
| Provision for loan and lease losses | $118,000 | 4,994 |
| Total noninterest income | $339,000 | 5,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,328 |
| Total noninterest expense | $1,010,000 | 7,991 |
| Salaries and employee benefits | $358,000 | 8,958 |
| Premises and equipment expense | $159,000 | 7,451 |
| Additional noninterest expense | $493,000 | 6,475 |
| Pre-tax net operating income | $569,000 | 6,709 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $203,000 | 5,351 |
| Income before extraordinary items | $366,000 | 7,065 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $366,000 | 7,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,534 |
| Cash dividends | $87,000 | 6,083 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 725 |
| Net operating income | $366,000 | 7,058 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,344,000 | 8,082 |
| Total interest expense | $1,228,000 | 7,576 |
| Net interest income | $1,116,000 | 8,370 |
| Provision for loan and lease losses | $96,000 | 5,335 |
| Total noninterest income | $202,000 | 7,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 6,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,688 |
| Total noninterest expense | $901,000 | 8,415 |
| Salaries and employee benefits | $312,000 | 9,399 |
| Premises and equipment expense | $136,000 | 7,908 |
| Additional noninterest expense | $453,000 | 6,880 |
| Pre-tax net operating income | $321,000 | 7,979 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $112,000 | 6,770 |
| Income before extraordinary items | $209,000 | 8,233 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $209,000 | 8,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,687 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $209,000 | 8,201 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,852,000 | 8,862 |
| Total interest expense | $987,000 | 8,456 |
| Net interest income | $865,000 | 9,098 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $118,000 | 8,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 7,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,704 |
| Total noninterest expense | $733,000 | 9,001 |
| Salaries and employee benefits | $273,000 | 9,765 |
| Premises and equipment expense | $77,000 | 9,215 |
| Additional noninterest expense | $383,000 | 7,368 |
| Pre-tax net operating income | $154,000 | 9,154 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,000 | 9,247 |
| Income before extraordinary items | $151,000 | 8,971 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $151,000 | 8,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $151,000 | 8,902 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $921,000 | 10,382 |
| Total interest expense | $442,000 | 10,239 |
| Net interest income | $479,000 | 10,423 |
| Provision for loan and lease losses | $88,000 | 5,481 |
| Total noninterest income | $52,000 | 10,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,735 |
| Total noninterest expense | $541,000 | 9,973 |
| Salaries and employee benefits | $201,000 | 10,535 |
| Premises and equipment expense | $64,000 | 9,853 |
| Additional noninterest expense | $276,000 | 8,581 |
| Pre-tax net operating income | $-98,000 | 10,488 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-6,000 | 10,501 |
| Income before extraordinary items | $-92,000 | 10,511 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-92,000 | 10,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-92,000 | 10,480 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,000 | 11,446 |
| Total interest expense | $3,000 | 11,427 |
| Net interest income | $14,000 | 11,442 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $0 | 11,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,390 |
| Total noninterest expense | $50,000 | 11,442 |
| Salaries and employee benefits | $32,000 | 11,425 |
| Premises and equipment expense | $3,000 | 11,409 |
| Additional noninterest expense | $15,000 | 11,443 |
| Pre-tax net operating income | $-61,000 | 10,911 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-4,000 | 10,909 |
| Income before extraordinary items | $-57,000 | 10,936 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-57,000 | 10,934 |
| 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 | $3,500,000 | 202 |
| Net operating income | $-57,000 | 10,895 |
* 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.