Home > DeKalb Community Bank > Income and Expense
DeKalb Community Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,657,000 | 4,172 |
| Total interest expense | $635,000 | 3,360 |
| Net interest income | $1,022,000 | 4,549 |
| Provision for loan and lease losses | $134,000 | 1,614 |
| Total noninterest income | $219,000 | 3,761 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $168,000 | 2,331 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,145 |
| Total noninterest expense | $709,000 | 4,954 |
| Salaries and employee benefits | $307,000 | 5,722 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $314,000 | 3,666 |
| Pre-tax net operating income | $398,000 | 4,291 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $144,000 | 3,169 |
| Income before extraordinary items | $254,000 | 4,825 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $254,000 | 4,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 1,655 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $254,000 | 4,785 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,613,000 | 3,976 |
| Total interest expense | $2,340,000 | 3,216 |
| Net interest income | $4,273,000 | 4,281 |
| Provision for loan and lease losses | $1,683,000 | 639 |
| Total noninterest income | $870,000 | 3,848 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $692,000 | 2,389 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $178,000 | 5,349 |
| Total noninterest expense | $2,854,000 | 4,833 |
| Salaries and employee benefits | $1,186,000 | 5,723 |
| Premises and equipment expense | $370,000 | 5,027 |
| Additional noninterest expense | $1,298,000 | 3,530 |
| Pre-tax net operating income | $606,000 | 6,368 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $205,000 | 4,721 |
| Income before extraordinary items | $401,000 | 6,770 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $401,000 | 6,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,293,000 | 645 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $401,000 | 6,704 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,956,000 | 3,957 |
| Total interest expense | $1,743,000 | 3,180 |
| Net interest income | $3,213,000 | 4,269 |
| Provision for loan and lease losses | $1,297,000 | 605 |
| Total noninterest income | $633,000 | 3,952 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $521,000 | 2,413 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $112,000 | 5,710 |
| Total noninterest expense | $2,155,000 | 4,758 |
| Salaries and employee benefits | $911,000 | 5,628 |
| Premises and equipment expense | $280,000 | 4,982 |
| Additional noninterest expense | $964,000 | 3,525 |
| Pre-tax net operating income | $394,000 | 6,768 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $132,000 | 5,014 |
| Income before extraordinary items | $262,000 | 7,141 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $262,000 | 7,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $935,000 | 599 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $262,000 | 7,075 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,306,000 | 3,957 |
| Total interest expense | $1,157,000 | 3,175 |
| Net interest income | $2,149,000 | 4,261 |
| Provision for loan and lease losses | $1,153,000 | 472 |
| Total noninterest income | $429,000 | 3,933 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $318,000 | 2,586 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $111,000 | 4,953 |
| Total noninterest expense | $1,431,000 | 4,801 |
| Salaries and employee benefits | $608,000 | 5,656 |
| Premises and equipment expense | $176,000 | 5,184 |
| Additional noninterest expense | $647,000 | 3,523 |
| Pre-tax net operating income | $-6,000 | 8,546 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-10,000 | 8,794 |
| Income before extraordinary items | $4,000 | 8,546 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,000 | 8,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $778,000 | 521 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,000 | 8,495 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,652,000 | 3,951 |
| Total interest expense | $582,000 | 3,192 |
| Net interest income | $1,070,000 | 4,275 |
| Provision for loan and lease losses | $1,100,000 | 294 |
| Total noninterest income | $213,000 | 3,910 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $165,000 | 2,467 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $48,000 | 5,207 |
| Total noninterest expense | $726,000 | 4,797 |
| Salaries and employee benefits | $311,000 | 5,630 |
| Premises and equipment expense | $93,000 | 5,051 |
| Additional noninterest expense | $322,000 | 3,534 |
| Pre-tax net operating income | $-543,000 | 9,048 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-113,000 | 9,040 |
| Income before extraordinary items | $-430,000 | 9,040 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-430,000 | 9,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 572 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-430,000 | 9,018 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,323,000 | 4,150 |
| Total interest expense | $2,145,000 | 3,802 |
| Net interest income | $4,178,000 | 4,225 |
| Provision for loan and lease losses | $504,000 | 2,150 |
| Total noninterest income | $822,000 | 4,177 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $714,000 | 2,318 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $108,000 | 6,400 |
| Total noninterest expense | $2,702,000 | 4,942 |
| Salaries and employee benefits | $1,165,000 | 5,742 |
| Premises and equipment expense | $343,000 | 5,246 |
| Additional noninterest expense | $1,194,000 | 3,736 |
| Pre-tax net operating income | $1,794,000 | 3,638 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $664,000 | 2,883 |
| Income before extraordinary items | $1,130,000 | 4,289 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,130,000 | 4,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,443 |
| Cash dividends | $258,000 | 4,599 |
| Sale, conversion, retirement of capital stock, net | $235,000 | 577 |
| Net operating income | $1,130,000 | 4,123 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 4,238 |
| Total interest expense | $1,579,000 | 3,981 |
| Net interest income | $3,107,000 | 4,278 |
| Provision for loan and lease losses | $302,000 | 2,494 |
| Total noninterest income | $613,000 | 4,233 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $491,000 | 2,509 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $122,000 | 5,712 |
| Total noninterest expense | $1,999,000 | 4,984 |
| Salaries and employee benefits | $887,000 | 5,650 |
| Premises and equipment expense | $247,000 | 5,373 |
| Additional noninterest expense | $865,000 | 3,829 |
| Pre-tax net operating income | $1,419,000 | 3,635 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $524,000 | 2,948 |
| Income before extraordinary items | $895,000 | 4,303 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $895,000 | 4,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,288 |
| Cash dividends | $258,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $235,000 | 431 |
| Net operating income | $895,000 | 4,137 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,100,000 | 4,302 |
| Total interest expense | $1,030,000 | 4,157 |
| Net interest income | $2,070,000 | 4,294 |
| Provision for loan and lease losses | $232,000 | 2,270 |
| Total noninterest income | $435,000 | 4,060 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $346,000 | 2,367 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $89,000 | 5,537 |
| Total noninterest expense | $1,344,000 | 4,948 |
| Salaries and employee benefits | $591,000 | 5,666 |
| Premises and equipment expense | $170,000 | 5,234 |
| Additional noninterest expense | $583,000 | 3,782 |
| Pre-tax net operating income | $929,000 | 3,682 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $354,000 | 2,938 |
| Income before extraordinary items | $575,000 | 4,412 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $575,000 | 4,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,963 |
| Cash dividends | $258,000 | 3,098 |
| Sale, conversion, retirement of capital stock, net | $235,000 | 314 |
| Net operating income | $575,000 | 4,198 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,532,000 | 4,362 |
| Total interest expense | $519,000 | 4,218 |
| Net interest income | $1,013,000 | 4,358 |
| Provision for loan and lease losses | $97,000 | 2,432 |
| Total noninterest income | $207,000 | 4,077 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $165,000 | 2,397 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 5,598 |
| Total noninterest expense | $671,000 | 4,944 |
| Salaries and employee benefits | $289,000 | 5,747 |
| Premises and equipment expense | $86,000 | 5,190 |
| Additional noninterest expense | $296,000 | 3,686 |
| Pre-tax net operating income | $452,000 | 3,740 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $166,000 | 3,033 |
| Income before extraordinary items | $286,000 | 4,375 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $286,000 | 4,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,904 |
| Cash dividends | $258,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $235,000 | 181 |
| Net operating income | $286,000 | 4,187 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,166,000 | 4,474 |
| Total interest expense | $2,344,000 | 4,303 |
| Net interest income | $3,822,000 | 4,497 |
| Provision for loan and lease losses | $433,000 | 2,669 |
| Total noninterest income | $802,000 | 3,993 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $671,000 | 2,329 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $131,000 | 5,880 |
| Total noninterest expense | $2,456,000 | 5,144 |
| Salaries and employee benefits | $1,053,000 | 5,947 |
| Premises and equipment expense | $346,000 | 5,129 |
| Additional noninterest expense | $1,057,000 | 3,993 |
| Pre-tax net operating income | $1,735,000 | 3,749 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $642,000 | 3,009 |
| Income before extraordinary items | $1,093,000 | 4,342 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,093,000 | 4,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,671 |
| Cash dividends | $216,000 | 4,799 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 571 |
| Net operating income | $1,093,000 | 4,234 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,005,000 | 4,958 |
| Total interest expense | $3,103,000 | 4,600 |
| Net interest income | $2,902,000 | 5,187 |
| Provision for loan and lease losses | $364,000 | 2,805 |
| Total noninterest income | $687,000 | 4,237 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $559,000 | 2,592 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $128,000 | 5,853 |
| Total noninterest expense | $2,100,000 | 5,562 |
| Salaries and employee benefits | $849,000 | 6,587 |
| Premises and equipment expense | $309,000 | 5,432 |
| Additional noninterest expense | $942,000 | 4,262 |
| Pre-tax net operating income | $1,125,000 | 4,594 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $406,000 | 3,705 |
| Income before extraordinary items | $719,000 | 5,161 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $719,000 | 5,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 3,193 |
| Cash dividends | $152,000 | 5,283 |
| Sale, conversion, retirement of capital stock, net | $135,000 | 618 |
| Net operating income | $719,000 | 5,047 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,010,000 | 5,724 |
| Total interest expense | $2,611,000 | 5,411 |
| Net interest income | $2,399,000 | 5,964 |
| Provision for loan and lease losses | $359,000 | 2,536 |
| Total noninterest income | $589,000 | 4,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $472,000 | 2,839 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,051 |
| Total noninterest expense | $1,766,000 | 6,121 |
| Salaries and employee benefits | $679,000 | 7,295 |
| Premises and equipment expense | $267,000 | 5,811 |
| Additional noninterest expense | $820,000 | 4,651 |
| Pre-tax net operating income | $863,000 | 5,660 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $308,000 | 4,549 |
| Income before extraordinary items | $555,000 | 6,059 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $555,000 | 6,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,215 |
| Cash dividends | $87,000 | 6,083 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 734 |
| Net operating income | $555,000 | 6,063 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,093,000 | 6,281 |
| Total interest expense | $2,005,000 | 5,991 |
| Net interest income | $2,088,000 | 6,480 |
| Provision for loan and lease losses | $317,000 | 2,538 |
| Total noninterest income | $424,000 | 5,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 3,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,314 |
| Total noninterest expense | $1,686,000 | 6,331 |
| Salaries and employee benefits | $620,000 | 7,644 |
| Premises and equipment expense | $265,000 | 5,865 |
| Additional noninterest expense | $801,000 | 4,780 |
| Pre-tax net operating income | $509,000 | 7,099 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $175,000 | 5,972 |
| Income before extraordinary items | $334,000 | 7,375 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $334,000 | 7,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,154 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $334,000 | 7,348 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,048,000 | 7,481 |
| Total interest expense | $1,575,000 | 7,031 |
| Net interest income | $1,473,000 | 7,745 |
| Provision for loan and lease losses | $211,000 | 3,399 |
| Total noninterest income | $355,000 | 5,961 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 4,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,944 |
| Total noninterest expense | $1,480,000 | 6,754 |
| Salaries and employee benefits | $515,000 | 8,259 |
| Premises and equipment expense | $214,000 | 6,517 |
| Additional noninterest expense | $751,000 | 4,887 |
| Pre-tax net operating income | $137,000 | 9,239 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $33,000 | 8,650 |
| Income before extraordinary items | $112,000 | 9,248 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $112,000 | 9,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,364 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $105,840 | 9,233 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,747,000 | 9,361 |
| Total interest expense | $827,000 | 9,178 |
| Net interest income | $920,000 | 9,372 |
| Provision for loan and lease losses | $106,000 | 5,041 |
| Total noninterest income | $203,000 | 7,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $871,000 | 8,782 |
| Salaries and employee benefits | $287,000 | 10,042 |
| Premises and equipment expense | $136,000 | 8,101 |
| Additional noninterest expense | $448,000 | 6,945 |
| Pre-tax net operating income | $146,000 | 9,864 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $14,000 | 9,835 |
| Income before extraordinary items | $132,000 | 9,752 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $132,000 | 9,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $132,000 | 9,706 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $590,000 | 11,198 |
| Total interest expense | $202,000 | 11,229 |
| Net interest income | $388,000 | 11,109 |
| Provision for loan and lease losses | $106,000 | 4,950 |
| Total noninterest income | $82,000 | 10,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 9,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,253 |
| Total noninterest expense | $467,000 | 10,715 |
| Salaries and employee benefits | $182,000 | 11,104 |
| Premises and equipment expense | $75,000 | 9,952 |
| Additional noninterest expense | $210,000 | 9,825 |
| Pre-tax net operating income | $-103,000 | 10,960 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-6,000 | 10,924 |
| Income before extraordinary items | $-97,000 | 10,996 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-97,000 | 10,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 202 |
| Net operating income | $-97,000 | 10,949 |
* 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.