Home > Community Bank & Trust, S.S.B. > Income and Expense
Community Bank & Trust, S.S.B., Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $50,003,000 | 568 |
| Total interest expense | $10,034,000 | 883 |
| Net interest income | $39,969,000 | 492 |
| Provision for loan and lease losses | $3,547,000 | 420 |
| Total noninterest income | $19,787,000 | 398 |
| Gross Fiduciary activities income | $1,459,000 | 313 |
| Service charges on deposit accounts | $15,067,000 | 144 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,261,000 | 1,019 |
| Total noninterest expense | $37,512,000 | 483 |
| Salaries and employee benefits | $19,846,000 | 454 |
| Premises and equipment expense | $6,667,000 | 367 |
| Additional noninterest expense | $10,999,000 | 516 |
| Pre-tax net operating income | $18,697,000 | 508 |
| Securities gains (losses) | $340,000 | 971 |
| Applicable income taxes | $5,844,000 | 550 |
| Income before extraordinary items | $13,193,000 | 533 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $13,193,000 | 533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,054,000 | 401 |
| Cash dividends | $25,500,000 | 193 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $12,958,400 | 508 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $37,134,000 | 586 |
| Total interest expense | $7,519,000 | 926 |
| Net interest income | $29,615,000 | 509 |
| Provision for loan and lease losses | $3,700,000 | 348 |
| Total noninterest income | $14,427,000 | 432 |
| Gross Fiduciary activities income | $883,000 | 361 |
| Service charges on deposit accounts | $11,105,000 | 150 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,439,000 | 1,082 |
| Total noninterest expense | $26,833,000 | 516 |
| Salaries and employee benefits | $13,975,000 | 489 |
| Premises and equipment expense | $4,949,000 | 378 |
| Additional noninterest expense | $7,909,000 | 538 |
| Pre-tax net operating income | $13,509,000 | 531 |
| Securities gains (losses) | $155,000 | 1,398 |
| Applicable income taxes | $4,166,000 | 597 |
| Income before extraordinary items | $9,498,000 | 568 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,498,000 | 567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,136,000 | 421 |
| Cash dividends | $10,500,000 | 293 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $9,389,500 | 526 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $24,520,000 | 594 |
| Total interest expense | $5,017,000 | 957 |
| Net interest income | $19,503,000 | 513 |
| Provision for loan and lease losses | $2,800,000 | 308 |
| Total noninterest income | $9,105,000 | 449 |
| Gross Fiduciary activities income | $478,000 | 404 |
| Service charges on deposit accounts | $7,143,000 | 152 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,484,000 | 1,147 |
| Total noninterest expense | $17,416,000 | 522 |
| Salaries and employee benefits | $8,999,000 | 503 |
| Premises and equipment expense | $3,287,000 | 379 |
| Additional noninterest expense | $5,130,000 | 551 |
| Pre-tax net operating income | $8,392,000 | 561 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $2,535,000 | 641 |
| Income before extraordinary items | $5,869,000 | 601 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,869,000 | 600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,925,000 | 337 |
| Cash dividends | $3,000,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,860,600 | 552 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $12,163,000 | 602 |
| Total interest expense | $2,588,000 | 951 |
| Net interest income | $9,575,000 | 528 |
| Provision for loan and lease losses | $1,500,000 | 286 |
| Total noninterest income | $4,375,000 | 464 |
| Gross Fiduciary activities income | $235,000 | 416 |
| Service charges on deposit accounts | $3,439,000 | 156 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $701,000 | 1,165 |
| Total noninterest expense | $8,488,000 | 534 |
| Salaries and employee benefits | $4,489,000 | 503 |
| Premises and equipment expense | $1,639,000 | 385 |
| Additional noninterest expense | $2,360,000 | 591 |
| Pre-tax net operating income | $3,962,000 | 587 |
| Securities gains (losses) | $12,000 | 2,102 |
| Applicable income taxes | $1,191,000 | 681 |
| Income before extraordinary items | $2,783,000 | 622 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,783,000 | 620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $461,000 | 524 |
| Cash dividends | $1,500,000 | 477 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,774,600 | 582 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $51,147,000 | 607 |
| Total interest expense | $11,619,000 | 963 |
| Net interest income | $39,528,000 | 512 |
| Provision for loan and lease losses | $5,360,000 | 365 |
| Total noninterest income | $17,488,000 | 434 |
| Gross Fiduciary activities income | $881,000 | 430 |
| Service charges on deposit accounts | $13,996,000 | 157 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,611,000 | 1,100 |
| Total noninterest expense | $33,832,000 | 513 |
| Salaries and employee benefits | $17,087,000 | 501 |
| Premises and equipment expense | $6,920,000 | 363 |
| Additional noninterest expense | $9,825,000 | 565 |
| Pre-tax net operating income | $17,824,000 | 515 |
| Securities gains (losses) | $352,000 | 811 |
| Applicable income taxes | $5,580,000 | 538 |
| Income before extraordinary items | $12,596,000 | 534 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $12,596,000 | 537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,703,000 | 339 |
| Cash dividends | $5,500,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $12,353,120 | 514 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $60,667,000 | 586 |
| Total interest expense | $21,066,000 | 776 |
| Net interest income | $39,601,000 | 480 |
| Provision for loan and lease losses | $3,443,000 | 471 |
| Total noninterest income | $16,330,000 | 439 |
| Gross Fiduciary activities income | $694,000 | 498 |
| Service charges on deposit accounts | $13,154,000 | 154 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,482,000 | 1,075 |
| Total noninterest expense | $36,575,000 | 471 |
| Salaries and employee benefits | $18,268,000 | 438 |
| Premises and equipment expense | $7,022,000 | 349 |
| Additional noninterest expense | $11,285,000 | 528 |
| Pre-tax net operating income | $15,913,000 | 518 |
| Securities gains (losses) | $415,000 | 693 |
| Applicable income taxes | $5,608,000 | 506 |
| Income before extraordinary items | $10,720,000 | 552 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $10,720,000 | 552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,255,000 | 526 |
| Cash dividends | $5,250,000 | 588 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $10,446,100 | 533 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $58,352,000 | 630 |
| Total interest expense | $20,345,000 | 873 |
| Net interest income | $38,007,000 | 496 |
| Provision for loan and lease losses | $3,019,000 | 459 |
| Total noninterest income | $13,853,000 | 471 |
| Gross Fiduciary activities income | $480,000 | 610 |
| Service charges on deposit accounts | $10,942,000 | 161 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,431,000 | 995 |
| Total noninterest expense | $34,646,000 | 468 |
| Salaries and employee benefits | $17,168,000 | 441 |
| Premises and equipment expense | $6,364,000 | 360 |
| Additional noninterest expense | $11,114,000 | 533 |
| Pre-tax net operating income | $14,195,000 | 591 |
| Securities gains (losses) | $168,000 | 450 |
| Applicable income taxes | $4,942,000 | 555 |
| Income before extraordinary items | $9,421,000 | 601 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,421,000 | 601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,839,000 | 497 |
| Cash dividends | $3,750,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,310,120 | 601 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $48,219,000 | 720 |
| Total interest expense | $15,596,000 | 991 |
| Net interest income | $32,623,000 | 595 |
| Provision for loan and lease losses | $2,700,000 | 438 |
| Total noninterest income | $12,708,000 | 531 |
| Gross Fiduciary activities income | $66,000 | 1,056 |
| Service charges on deposit accounts | $10,649,000 | 173 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,993,000 | 1,159 |
| Total noninterest expense | $31,486,000 | 527 |
| Salaries and employee benefits | $15,462,000 | 497 |
| Premises and equipment expense | $6,047,000 | 385 |
| Additional noninterest expense | $9,977,000 | 607 |
| Pre-tax net operating income | $11,145,000 | 750 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $3,606,000 | 761 |
| Income before extraordinary items | $7,539,000 | 769 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,539,000 | 769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,358,000 | 408 |
| Cash dividends | $3,500,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $7,539,000 | 755 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $38,829,000 | 862 |
| Total interest expense | $13,496,000 | 1,139 |
| Net interest income | $25,333,000 | 703 |
| Provision for loan and lease losses | $2,131,000 | 549 |
| Total noninterest income | $7,866,000 | 698 |
| Gross Fiduciary activities income | $42,000 | 1,140 |
| Service charges on deposit accounts | $6,104,000 | 236 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,720,000 | 1,288 |
| Total noninterest expense | $23,528,000 | 650 |
| Salaries and employee benefits | $11,234,000 | 632 |
| Premises and equipment expense | $5,111,000 | 431 |
| Additional noninterest expense | $7,183,000 | 749 |
| Pre-tax net operating income | $7,540,000 | 1,015 |
| Securities gains (losses) | $202,000 | 915 |
| Applicable income taxes | $2,484,000 | 1,027 |
| Income before extraordinary items | $5,258,000 | 1,023 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,258,000 | 1,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,366,000 | 596 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,120,640 | 1,013 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $30,624,000 | 1,104 |
| Total interest expense | $10,139,000 | 1,527 |
| Net interest income | $20,485,000 | 872 |
| Provision for loan and lease losses | $1,271,000 | 820 |
| Total noninterest income | $5,711,000 | 844 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $4,590,000 | 302 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,121,000 | 1,631 |
| Total noninterest expense | $20,014,000 | 741 |
| Salaries and employee benefits | $9,795,000 | 700 |
| Premises and equipment expense | $4,194,000 | 522 |
| Additional noninterest expense | $6,025,000 | 856 |
| Pre-tax net operating income | $4,911,000 | 1,574 |
| Securities gains (losses) | $350,000 | 521 |
| Applicable income taxes | $1,771,000 | 1,470 |
| Income before extraordinary items | $3,490,000 | 1,543 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,490,000 | 1,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,079,000 | 499 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,259,000 | 1,619 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,434,000 | 1,401 |
| Total interest expense | $8,367,000 | 1,878 |
| Net interest income | $16,067,000 | 1,133 |
| Provision for loan and lease losses | $1,200,000 | 891 |
| Total noninterest income | $4,710,000 | 986 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $3,762,000 | 398 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $948,000 | 1,879 |
| Total noninterest expense | $15,141,000 | 1,003 |
| Salaries and employee benefits | $7,275,000 | 938 |
| Premises and equipment expense | $2,960,000 | 744 |
| Additional noninterest expense | $4,906,000 | 1,155 |
| Pre-tax net operating income | $4,436,000 | 1,634 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $1,434,000 | 1,673 |
| Income before extraordinary items | $3,009,000 | 1,657 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,009,000 | 1,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $644,000 | 1,188 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,004,240 | 1,629 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,999,000 | 1,692 |
| Total interest expense | $6,980,000 | 2,238 |
| Net interest income | $13,019,000 | 1,380 |
| Provision for loan and lease losses | $650,000 | 1,267 |
| Total noninterest income | $3,760,000 | 1,160 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,924,000 | 505 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $836,000 | 2,039 |
| Total noninterest expense | $11,878,000 | 1,233 |
| Salaries and employee benefits | $5,504,000 | 1,216 |
| Premises and equipment expense | $2,619,000 | 841 |
| Additional noninterest expense | $3,755,000 | 1,406 |
| Pre-tax net operating income | $4,251,000 | 1,730 |
| Securities gains (losses) | $-127,000 | 11,575 |
| Applicable income taxes | $1,368,000 | 1,787 |
| Income before extraordinary items | $2,756,000 | 1,827 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,756,000 | 1,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,305 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,841,090 | 1,760 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,505,000 | 1,869 |
| Total interest expense | $5,112,000 | 2,412 |
| Net interest income | $11,393,000 | 1,584 |
| Provision for loan and lease losses | $750,000 | 1,143 |
| Total noninterest income | $3,181,000 | 1,310 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,431,000 | 571 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $750,000 | 2,226 |
| Total noninterest expense | $10,752,000 | 1,360 |
| Salaries and employee benefits | $4,909,000 | 1,379 |
| Premises and equipment expense | $2,190,000 | 977 |
| Additional noninterest expense | $3,653,000 | 1,525 |
| Pre-tax net operating income | $3,072,000 | 2,313 |
| Securities gains (losses) | $38,000 | 1,321 |
| Applicable income taxes | $1,068,000 | 2,095 |
| Income before extraordinary items | $2,042,000 | 2,373 |
| Extraordinary gains, net | $20,000 | 202 |
| Net income | $2,062,000 | 2,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $570,000 | 1,258 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,016,920 | 2,427 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,536,000 | 2,687 |
| Total interest expense | $3,537,000 | 3,549 |
| Net interest income | $7,999,000 | 2,247 |
| Provision for loan and lease losses | $449,000 | 2,276 |
| Total noninterest income | $2,207,000 | 1,832 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,774,000 | 754 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $433,000 | 3,573 |
| Total noninterest expense | $8,006,000 | 1,857 |
| Salaries and employee benefits | $3,680,000 | 1,823 |
| Premises and equipment expense | $1,612,000 | 1,324 |
| Additional noninterest expense | $2,714,000 | 2,069 |
| Pre-tax net operating income | $1,751,000 | 3,787 |
| Securities gains (losses) | $173,000 | 1,843 |
| Applicable income taxes | $668,000 | 3,256 |
| Income before extraordinary items | $1,256,000 | 3,840 |
| Extraordinary gains, net | $83,000 | 1,747 |
| Net income | $1,339,000 | 3,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,143,550 | 3,983 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,921,000 | 3,510 |
| Total interest expense | $3,563,000 | 4,483 |
| Net interest income | $6,358,000 | 2,878 |
| Provision for loan and lease losses | $255,000 | 4,532 |
| Total noninterest income | $1,557,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,276,000 | 1,018 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $281,000 | 4,617 |
| Total noninterest expense | $6,297,000 | 2,316 |
| Salaries and employee benefits | $2,628,000 | 2,456 |
| Premises and equipment expense | $927,000 | 2,239 |
| Additional noninterest expense | $2,742,000 | 2,150 |
| Pre-tax net operating income | $1,363,000 | 4,427 |
| Securities gains (losses) | $530,000 | 1,036 |
| Applicable income taxes | $652,000 | 3,201 |
| Income before extraordinary items | $1,241,000 | 3,696 |
| Extraordinary gains, net | $172,000 | 500 |
| Net income | $1,413,000 | 3,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 5,670 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $891,200 | 4,661 |
* 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.