Home > Effingham Bank & Trust > Income and Expense
Effingham Bank & Trust, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,248,000 | 9,336 |
| Total interest expense | $987,000 | 9,303 |
| Net interest income | $1,261,000 | 9,180 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $366,000 | 6,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,535 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,713 |
| Total noninterest expense | $1,699,000 | 6,737 |
| Salaries and employee benefits | $724,000 | 7,570 |
| Premises and equipment expense | $213,000 | 6,961 |
| Additional noninterest expense | $762,000 | 5,454 |
| Pre-tax net operating income | $-142,000 | 11,629 |
| Securities gains (losses) | $-12,000 | 10,219 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-154,000 | 11,650 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-154,000 | 11,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,862 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $194,000 | 490 |
| Net operating income | $-142,000 | 11,624 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 10,253 |
| Total interest expense | $709,000 | 10,043 |
| Net interest income | $1,047,000 | 10,250 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $348,000 | 6,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 4,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,920 |
| Total noninterest expense | $1,390,000 | 7,943 |
| Salaries and employee benefits | $624,000 | 8,454 |
| Premises and equipment expense | $219,000 | 7,072 |
| Additional noninterest expense | $547,000 | 7,446 |
| Pre-tax net operating income | $5,000 | 12,053 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $-70,000 | 12,257 |
| Income before extraordinary items | $80,000 | 11,564 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $80,000 | 11,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 11,679 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $75,000 | 11,660 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,480,000 | 11,287 |
| Total interest expense | $712,000 | 10,514 |
| Net interest income | $768,000 | 11,622 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $209,000 | 9,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $1,327,000 | 8,420 |
| Salaries and employee benefits | $622,000 | 8,621 |
| Premises and equipment expense | $156,000 | 8,751 |
| Additional noninterest expense | $549,000 | 7,779 |
| Pre-tax net operating income | $-470,000 | 12,839 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-470,000 | 12,884 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-470,000 | 12,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,789 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,105 |
| Net operating income | $-470,000 | 12,825 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,899,000 | 11,097 |
| Total interest expense | $998,000 | 10,393 |
| Net interest income | $901,000 | 11,514 |
| Provision for loan and lease losses | $239,000 | 4,759 |
| Total noninterest income | $219,000 | 9,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 13,290 |
| Total noninterest expense | $966,000 | 10,136 |
| Salaries and employee benefits | $465,000 | 10,142 |
| Premises and equipment expense | $147,000 | 9,210 |
| Additional noninterest expense | $354,000 | 10,142 |
| Pre-tax net operating income | $-85,000 | 12,915 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-85,000 | 13,048 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-85,000 | 13,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 6,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-85,000 | 12,883 |
* 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.