Home > Emerald Coast Bank > Income and Expense
Emerald Coast Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,576,000 | 3,662 |
| Total interest expense | $3,673,000 | 3,866 |
| Net interest income | $4,903,000 | 3,504 |
| Provision for loan and lease losses | $444,000 | 1,943 |
| Total noninterest income | $461,000 | 5,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $461,000 | 3,115 |
| Total noninterest expense | $3,875,000 | 3,405 |
| Salaries and employee benefits | $1,937,000 | 3,545 |
| Premises and equipment expense | $1,142,000 | 1,786 |
| Additional noninterest expense | $796,000 | 4,800 |
| Pre-tax net operating income | $1,045,000 | 5,176 |
| Securities gains (losses) | $331,000 | 424 |
| Applicable income taxes | $512,000 | 3,591 |
| Income before extraordinary items | $864,000 | 4,855 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $864,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,853 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $652,160 | 5,632 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,843,000 | 5,101 |
| Total interest expense | $2,693,000 | 5,113 |
| Net interest income | $3,150,000 | 4,969 |
| Provision for loan and lease losses | $339,000 | 2,372 |
| Total noninterest income | $576,000 | 4,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $358,000 | 3,659 |
| Total noninterest expense | $3,216,000 | 3,874 |
| Salaries and employee benefits | $1,688,000 | 3,861 |
| Premises and equipment expense | $845,000 | 2,308 |
| Additional noninterest expense | $683,000 | 5,259 |
| Pre-tax net operating income | $171,000 | 9,059 |
| Securities gains (losses) | $33,000 | 2,048 |
| Applicable income taxes | $77,000 | 7,873 |
| Income before extraordinary items | $127,000 | 9,139 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $127,000 | 9,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,851 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $105,880 | 9,232 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,115,000 | 7,615 |
| Total interest expense | $1,552,000 | 7,229 |
| Net interest income | $1,563,000 | 7,844 |
| Provision for loan and lease losses | $333,000 | 2,408 |
| Total noninterest income | $110,000 | 9,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $1,934,000 | 5,780 |
| Salaries and employee benefits | $1,017,000 | 5,793 |
| Premises and equipment expense | $471,000 | 3,907 |
| Additional noninterest expense | $446,000 | 6,960 |
| Pre-tax net operating income | $-594,000 | 10,768 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $-195,000 | 10,788 |
| Income before extraordinary items | $-394,000 | 10,723 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-394,000 | 10,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-397,350 | 10,705 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $381,000 | 11,314 |
| Total interest expense | $139,000 | 11,299 |
| Net interest income | $242,000 | 11,298 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $10,000 | 11,313 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,116 |
| Total noninterest expense | $793,000 | 9,456 |
| Salaries and employee benefits | $433,000 | 9,369 |
| Premises and equipment expense | $144,000 | 8,199 |
| Additional noninterest expense | $216,000 | 9,752 |
| Pre-tax net operating income | $-611,000 | 11,278 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-257,000 | 11,296 |
| Income before extraordinary items | $-354,000 | 11,210 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-354,000 | 11,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $6,260,000 | 105 |
| Net operating income | $-354,000 | 11,184 |
* 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.