Home > Embry Bank > Income and Expense
Embry Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,680,000 | 4,579 |
| Total interest expense | $2,837,000 | 4,937 |
| Net interest income | $3,843,000 | 4,247 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $-129,000 | 9,605 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $368,000 | 3,624 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $-497,000 | 9,624 |
| Total noninterest expense | $4,106,000 | 3,350 |
| Salaries and employee benefits | $2,268,000 | 3,234 |
| Premises and equipment expense | $778,000 | 2,703 |
| Additional noninterest expense | $1,060,000 | 3,873 |
| Pre-tax net operating income | $-407,000 | 9,113 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $518,000 | 3,271 |
| Income before extraordinary items | $-925,000 | 9,399 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-925,000 | 9,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,101 |
| Cash dividends | $100,000 | 5,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-925,000 | 9,367 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,875,000 | 4,184 |
| Total interest expense | $3,193,000 | 4,694 |
| Net interest income | $4,682,000 | 3,672 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $322,000 | 6,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $322,000 | 3,847 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $3,886,000 | 3,413 |
| Salaries and employee benefits | $2,022,000 | 3,428 |
| Premises and equipment expense | $831,000 | 2,490 |
| Additional noninterest expense | $1,033,000 | 3,892 |
| Pre-tax net operating income | $938,000 | 5,428 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $330,000 | 4,382 |
| Income before extraordinary items | $608,000 | 5,799 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $608,000 | 5,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 9,334 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $608,000 | 5,817 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,840,000 | 3,987 |
| Total interest expense | $3,021,000 | 4,575 |
| Net interest income | $4,819,000 | 3,566 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $387,000 | 5,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 4,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,700 |
| Total noninterest expense | $3,375,000 | 3,811 |
| Salaries and employee benefits | $1,917,000 | 3,575 |
| Premises and equipment expense | $607,000 | 3,215 |
| Additional noninterest expense | $851,000 | 4,588 |
| Pre-tax net operating income | $1,651,000 | 3,842 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $590,000 | 3,260 |
| Income before extraordinary items | $1,061,000 | 4,244 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,061,000 | 4,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,344 |
| Cash dividends | $1,010,000 | 2,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,061,000 | 4,204 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,975,000 | 3,944 |
| Total interest expense | $3,252,000 | 4,430 |
| Net interest income | $4,723,000 | 3,589 |
| Provision for loan and lease losses | $222,000 | 3,296 |
| Total noninterest income | $332,000 | 6,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 4,973 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,233 |
| Total noninterest expense | $3,179,000 | 3,912 |
| Salaries and employee benefits | $1,809,000 | 3,653 |
| Premises and equipment expense | $587,000 | 3,233 |
| Additional noninterest expense | $783,000 | 4,754 |
| Pre-tax net operating income | $1,654,000 | 3,892 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $569,000 | 3,537 |
| Income before extraordinary items | $1,085,000 | 4,232 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,085,000 | 4,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,085,000 | 4,135 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,064,000 | 4,469 |
| Total interest expense | $2,861,000 | 4,912 |
| Net interest income | $4,203,000 | 4,056 |
| Provision for loan and lease losses | $264,000 | 2,856 |
| Total noninterest income | $300,000 | 6,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,683 |
| Total noninterest expense | $2,788,000 | 4,350 |
| Salaries and employee benefits | $1,624,000 | 3,972 |
| Premises and equipment expense | $512,000 | 3,631 |
| Additional noninterest expense | $652,000 | 5,491 |
| Pre-tax net operating income | $1,451,000 | 4,614 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $494,000 | 4,248 |
| Income before extraordinary items | $957,000 | 4,855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $957,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,017 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $957,000 | 4,796 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,537,000 | 4,842 |
| Total interest expense | $2,804,000 | 5,065 |
| Net interest income | $3,733,000 | 4,571 |
| Provision for loan and lease losses | $259,000 | 2,886 |
| Total noninterest income | $623,000 | 4,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $467,000 | 3,070 |
| Total noninterest expense | $2,614,000 | 4,829 |
| Salaries and employee benefits | $1,488,000 | 4,340 |
| Premises and equipment expense | $467,000 | 3,997 |
| Additional noninterest expense | $659,000 | 5,981 |
| Pre-tax net operating income | $1,483,000 | 4,376 |
| Securities gains (losses) | $19,000 | 2,034 |
| Applicable income taxes | $511,000 | 4,086 |
| Income before extraordinary items | $991,000 | 4,547 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $991,000 | 4,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,223 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $978,460 | 4,534 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,023,000 | 5,187 |
| Total interest expense | $2,619,000 | 5,363 |
| Net interest income | $3,404,000 | 4,976 |
| Provision for loan and lease losses | $255,000 | 2,517 |
| Total noninterest income | $286,000 | 7,254 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,185 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,798 |
| Total noninterest expense | $2,153,000 | 5,665 |
| Salaries and employee benefits | $1,166,000 | 5,341 |
| Premises and equipment expense | $370,000 | 4,828 |
| Additional noninterest expense | $617,000 | 6,425 |
| Pre-tax net operating income | $1,282,000 | 5,018 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $425,000 | 4,737 |
| Income before extraordinary items | $857,000 | 5,179 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $857,000 | 5,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,435 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $857,000 | 5,170 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,034,000 | 5,645 |
| Total interest expense | $1,910,000 | 5,814 |
| Net interest income | $3,124,000 | 5,440 |
| Provision for loan and lease losses | $195,000 | 3,075 |
| Total noninterest income | $199,000 | 8,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,213 |
| Total noninterest expense | $1,978,000 | 6,263 |
| Salaries and employee benefits | $1,046,000 | 5,870 |
| Premises and equipment expense | $356,000 | 5,034 |
| Additional noninterest expense | $576,000 | 7,207 |
| Pre-tax net operating income | $1,150,000 | 5,394 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $353,000 | 5,236 |
| Income before extraordinary items | $797,000 | 5,384 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $797,000 | 5,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,342 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $797,000 | 5,442 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,760,000 | 7,180 |
| Total interest expense | $1,543,000 | 7,068 |
| Net interest income | $2,217,000 | 7,138 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $169,000 | 9,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 7,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,679 |
| Total noninterest expense | $1,609,000 | 7,476 |
| Salaries and employee benefits | $846,000 | 7,047 |
| Premises and equipment expense | $253,000 | 6,631 |
| Additional noninterest expense | $510,000 | 8,110 |
| Pre-tax net operating income | $657,000 | 7,592 |
| Securities gains (losses) | $-11,000 | 12,798 |
| Applicable income taxes | $42,000 | 11,116 |
| Income before extraordinary items | $604,000 | 6,746 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $604,000 | 6,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,900 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $614,230 | 6,425 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,289,000 | 8,484 |
| Total interest expense | $1,524,000 | 8,443 |
| Net interest income | $1,765,000 | 8,453 |
| Provision for loan and lease losses | $315,000 | 4,000 |
| Total noninterest income | $178,000 | 9,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 7,190 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $1,449,000 | 8,100 |
| Salaries and employee benefits | $689,000 | 8,074 |
| Premises and equipment expense | $271,000 | 6,424 |
| Additional noninterest expense | $489,000 | 8,556 |
| Pre-tax net operating income | $179,000 | 11,265 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $62,000 | 10,939 |
| Income before extraordinary items | $121,000 | 11,667 |
| Extraordinary gains, net | $62,000 | 929 |
| Net income | $183,000 | 10,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $118,360 | 11,382 |
* 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.