Home > Concord Commercial Bank > Income and Expense
Concord Commercial Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,865,000 | 6,987 |
| Total interest expense | $1,454,000 | 7,686 |
| Net interest income | $2,411,000 | 6,369 |
| Provision for loan and lease losses | $465,000 | 1,833 |
| Total noninterest income | $254,000 | 7,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 6,483 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,983 |
| Total noninterest expense | $1,426,000 | 7,323 |
| Salaries and employee benefits | $509,000 | 8,806 |
| Premises and equipment expense | $159,000 | 7,849 |
| Additional noninterest expense | $758,000 | 5,412 |
| Pre-tax net operating income | $774,000 | 6,605 |
| Securities gains (losses) | $21,000 | 1,959 |
| Applicable income taxes | $325,000 | 5,565 |
| Income before extraordinary items | $470,000 | 7,108 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $470,000 | 7,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,422 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $456,560 | 7,142 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,001,000 | 5,210 |
| Total interest expense | $2,598,000 | 5,395 |
| Net interest income | $3,403,000 | 4,980 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $315,000 | 6,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,051 |
| Total noninterest expense | $2,230,000 | 5,491 |
| Salaries and employee benefits | $888,000 | 6,612 |
| Premises and equipment expense | $265,000 | 6,131 |
| Additional noninterest expense | $1,077,000 | 4,103 |
| Pre-tax net operating income | $1,368,000 | 4,781 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $528,000 | 4,018 |
| Income before extraordinary items | $840,000 | 5,260 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $840,000 | 5,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,392 |
| Cash dividends | $1,083,000 | 1,905 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $840,000 | 5,241 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,885,000 | 6,845 |
| Total interest expense | $1,107,000 | 8,267 |
| Net interest income | $2,778,000 | 5,948 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $316,000 | 7,044 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $1,905,000 | 6,441 |
| Salaries and employee benefits | $726,000 | 7,701 |
| Premises and equipment expense | $267,000 | 6,229 |
| Additional noninterest expense | $912,000 | 5,115 |
| Pre-tax net operating income | $1,069,000 | 5,683 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $382,000 | 4,925 |
| Income before extraordinary items | $687,000 | 5,986 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $687,000 | 6,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,250 |
| Cash dividends | $331,000 | 4,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $687,000 | 6,053 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,549,000 | 7,460 |
| Total interest expense | $1,024,000 | 8,993 |
| Net interest income | $2,525,000 | 6,495 |
| Provision for loan and lease losses | $350,000 | 2,706 |
| Total noninterest income | $508,000 | 5,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 4,191 |
| Total noninterest expense | $2,085,000 | 6,111 |
| Salaries and employee benefits | $799,000 | 7,328 |
| Premises and equipment expense | $328,000 | 5,487 |
| Additional noninterest expense | $958,000 | 5,113 |
| Pre-tax net operating income | $598,000 | 7,958 |
| Securities gains (losses) | $11,000 | 5,374 |
| Applicable income taxes | $170,000 | 8,203 |
| Income before extraordinary items | $439,000 | 8,067 |
| Extraordinary gains, net | $47,000 | 2,224 |
| Net income | $486,000 | 7,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,828 |
| Cash dividends | $168,000 | 5,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $431,080 | 7,863 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,924,000 | 7,612 |
| Total interest expense | $1,412,000 | 8,802 |
| Net interest income | $2,512,000 | 6,566 |
| Provision for loan and lease losses | $550,000 | 2,794 |
| Total noninterest income | $544,000 | 5,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 7,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $394,000 | 3,746 |
| Total noninterest expense | $2,004,000 | 6,374 |
| Salaries and employee benefits | $825,000 | 7,103 |
| Premises and equipment expense | $349,000 | 5,384 |
| Additional noninterest expense | $830,000 | 5,885 |
| Pre-tax net operating income | $502,000 | 8,399 |
| Securities gains (losses) | $121,000 | 2,709 |
| Applicable income taxes | $173,000 | 8,114 |
| Income before extraordinary items | $450,000 | 7,744 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $450,000 | 7,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 2,508 |
| Cash dividends | $373,000 | 3,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $362,880 | 8,225 |
* 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.