Home > Etowah Bank > Income and Expense
Etowah Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $36,328,000 | 910 |
| Total interest expense | $16,476,000 | 963 |
| Net interest income | $19,852,000 | 866 |
| Provision for loan and lease losses | $6,788,000 | 258 |
| Total noninterest income | $4,481,000 | 1,017 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,773,000 | 691 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,708,000 | 962 |
| Total noninterest expense | $16,075,000 | 878 |
| Salaries and employee benefits | $6,950,000 | 937 |
| Premises and equipment expense | $5,525,000 | 407 |
| Additional noninterest expense | $3,600,000 | 1,238 |
| Pre-tax net operating income | $1,470,000 | 4,237 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $438,000 | 4,188 |
| Income before extraordinary items | $1,032,000 | 4,398 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,032,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,156,000 | 314 |
| Cash dividends | $1,181,000 | 1,978 |
| Sale, conversion, retirement of capital stock, net | $289,000 | 633 |
| Net operating income | $1,032,000 | 4,302 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $34,339,000 | 996 |
| Total interest expense | $15,783,000 | 1,039 |
| Net interest income | $18,556,000 | 964 |
| Provision for loan and lease losses | $797,000 | 1,195 |
| Total noninterest income | $2,712,000 | 1,380 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,888,000 | 673 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $824,000 | 1,994 |
| Total noninterest expense | $12,987,000 | 1,052 |
| Salaries and employee benefits | $7,214,000 | 921 |
| Premises and equipment expense | $2,486,000 | 815 |
| Additional noninterest expense | $3,287,000 | 1,329 |
| Pre-tax net operating income | $7,484,000 | 1,077 |
| Securities gains (losses) | $40,000 | 1,476 |
| Applicable income taxes | $2,408,000 | 1,129 |
| Income before extraordinary items | $5,116,000 | 1,079 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,116,000 | 1,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,726 |
| Cash dividends | $2,037,000 | 1,279 |
| Sale, conversion, retirement of capital stock, net | $246,000 | 648 |
| Net operating income | $5,088,800 | 1,056 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $28,692,000 | 1,203 |
| Total interest expense | $13,065,000 | 1,248 |
| Net interest income | $15,627,000 | 1,154 |
| Provision for loan and lease losses | $865,000 | 1,141 |
| Total noninterest income | $2,882,000 | 1,402 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,751,000 | 760 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,131,000 | 1,664 |
| Total noninterest expense | $10,748,000 | 1,337 |
| Salaries and employee benefits | $5,754,000 | 1,170 |
| Premises and equipment expense | $2,011,000 | 1,048 |
| Additional noninterest expense | $2,983,000 | 1,746 |
| Pre-tax net operating income | $6,896,000 | 1,085 |
| Securities gains (losses) | $-262,000 | 11,329 |
| Applicable income taxes | $2,129,000 | 1,165 |
| Income before extraordinary items | $4,505,000 | 1,139 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,505,000 | 1,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $874,000 | 975 |
| Cash dividends | $2,025,000 | 1,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,683,160 | 1,088 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,858,000 | 1,444 |
| Total interest expense | $9,809,000 | 1,620 |
| Net interest income | $14,049,000 | 1,285 |
| Provision for loan and lease losses | $470,000 | 1,660 |
| Total noninterest income | $2,506,000 | 1,545 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,695,000 | 781 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $811,000 | 2,081 |
| Total noninterest expense | $9,487,000 | 1,499 |
| Salaries and employee benefits | $4,930,000 | 1,347 |
| Premises and equipment expense | $1,822,000 | 1,158 |
| Additional noninterest expense | $2,735,000 | 1,829 |
| Pre-tax net operating income | $6,598,000 | 1,167 |
| Securities gains (losses) | $28,000 | 1,681 |
| Applicable income taxes | $2,126,000 | 1,216 |
| Income before extraordinary items | $4,500,000 | 1,176 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,500,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,786 |
| Cash dividends | $1,665,000 | 1,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,480,960 | 1,161 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,874,000 | 1,556 |
| Total interest expense | $7,496,000 | 1,670 |
| Net interest income | $12,378,000 | 1,460 |
| Provision for loan and lease losses | $657,000 | 1,256 |
| Total noninterest income | $2,360,000 | 1,629 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,560,000 | 836 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $800,000 | 2,135 |
| Total noninterest expense | $8,880,000 | 1,657 |
| Salaries and employee benefits | $4,512,000 | 1,488 |
| Premises and equipment expense | $1,562,000 | 1,340 |
| Additional noninterest expense | $2,806,000 | 1,926 |
| Pre-tax net operating income | $5,201,000 | 1,416 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,620,000 | 1,445 |
| Income before extraordinary items | $3,581,000 | 1,389 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,581,000 | 1,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 1,879 |
| Cash dividends | $1,350,000 | 1,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,581,000 | 1,408 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,827,000 | 1,861 |
| Total interest expense | $7,072,000 | 1,840 |
| Net interest income | $9,755,000 | 1,846 |
| Provision for loan and lease losses | $360,000 | 2,633 |
| Total noninterest income | $2,400,000 | 1,730 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,504,000 | 871 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $896,000 | 2,210 |
| Total noninterest expense | $7,956,000 | 1,870 |
| Salaries and employee benefits | $3,978,000 | 1,698 |
| Premises and equipment expense | $1,448,000 | 1,465 |
| Additional noninterest expense | $2,530,000 | 2,206 |
| Pre-tax net operating income | $3,839,000 | 1,796 |
| Securities gains (losses) | $-59,000 | 13,112 |
| Applicable income taxes | $1,112,000 | 2,053 |
| Income before extraordinary items | $2,668,000 | 1,867 |
| Extraordinary gains, net | $85,000 | 1,727 |
| Net income | $2,753,000 | 1,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $1,050,000 | 1,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,709,890 | 1,735 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,339,000 | 2,163 |
| Total interest expense | $8,099,000 | 2,096 |
| Net interest income | $8,240,000 | 2,204 |
| Provision for loan and lease losses | $270,000 | 4,396 |
| Total noninterest income | $1,813,000 | 2,068 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,278,000 | 1,017 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $535,000 | 3,048 |
| Total noninterest expense | $7,972,000 | 1,893 |
| Salaries and employee benefits | $3,508,000 | 1,876 |
| Premises and equipment expense | $1,427,000 | 1,497 |
| Additional noninterest expense | $3,037,000 | 1,981 |
| Pre-tax net operating income | $1,811,000 | 3,411 |
| Securities gains (losses) | $826,000 | 746 |
| Applicable income taxes | $609,000 | 3,395 |
| Income before extraordinary items | $2,028,000 | 2,255 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,028,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 3,404 |
| Cash dividends | $900,000 | 1,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,391,980 | 3,059 |
* 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.