Home > Hancock County Bank & Trust > Income and Expense
Hancock County Bank & Trust, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,497,000 | 4,429 |
| Total interest expense | $777,000 | 3,012 |
| Net interest income | $720,000 | 5,456 |
| Provision for loan and lease losses | $56,000 | 3,519 |
| Total noninterest income | $172,000 | 4,541 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $98,000 | 3,600 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $74,000 | 4,499 |
| Total noninterest expense | $517,000 | 5,889 |
| Salaries and employee benefits | $319,000 | 5,433 |
| Premises and equipment expense | $54,000 | 6,574 |
| Additional noninterest expense | $144,000 | 6,077 |
| Pre-tax net operating income | $319,000 | 4,631 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $58,000 | 4,885 |
| Income before extraordinary items | $261,000 | 4,611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $261,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $261,000 | 4,398 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,752,000 | 4,173 |
| Total interest expense | $3,472,000 | 3,130 |
| Net interest income | $3,280,000 | 4,979 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $551,000 | 4,955 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $329,000 | 4,026 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $222,000 | 4,815 |
| Total noninterest expense | $1,925,000 | 6,005 |
| Salaries and employee benefits | $1,078,000 | 5,872 |
| Premises and equipment expense | $247,000 | 6,185 |
| Additional noninterest expense | $600,000 | 5,930 |
| Pre-tax net operating income | $1,506,000 | 4,110 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $265,000 | 4,659 |
| Income before extraordinary items | $1,245,000 | 3,981 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,245,000 | 3,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,954 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-32,000 | 9,228 |
| Net operating income | $1,241,720 | 3,886 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,966,000 | 4,453 |
| Total interest expense | $4,127,000 | 3,700 |
| Net interest income | $2,839,000 | 5,276 |
| Provision for loan and lease losses | $412,000 | 2,561 |
| Total noninterest income | $485,000 | 5,146 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $302,000 | 4,149 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $183,000 | 5,128 |
| Total noninterest expense | $1,983,000 | 5,757 |
| Salaries and employee benefits | $1,179,000 | 5,398 |
| Premises and equipment expense | $272,000 | 5,840 |
| Additional noninterest expense | $532,000 | 6,251 |
| Pre-tax net operating income | $929,000 | 5,096 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $106,000 | 5,939 |
| Income before extraordinary items | $826,000 | 4,792 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $826,000 | 4,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 1,693 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-69,000 | 9,490 |
| Net operating income | $823,330 | 4,677 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,216,000 | 4,470 |
| Total interest expense | $4,529,000 | 3,598 |
| Net interest income | $2,687,000 | 5,558 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $524,000 | 4,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 4,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $303,000 | 3,895 |
| Total noninterest expense | $1,715,000 | 6,240 |
| Salaries and employee benefits | $980,000 | 5,999 |
| Premises and equipment expense | $249,000 | 6,065 |
| Additional noninterest expense | $486,000 | 6,531 |
| Pre-tax net operating income | $1,496,000 | 4,075 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $235,000 | 5,093 |
| Income before extraordinary items | $1,257,000 | 3,739 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,257,000 | 3,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,511 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-1,800,000 | 9,869 |
| Net operating income | $1,260,360 | 3,714 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,584,000 | 4,621 |
| Total interest expense | $3,920,000 | 3,643 |
| Net interest income | $2,664,000 | 5,583 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $355,000 | 5,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,397 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,245 |
| Total noninterest expense | $1,628,000 | 6,464 |
| Salaries and employee benefits | $1,086,000 | 5,553 |
| Premises and equipment expense | $155,000 | 7,576 |
| Additional noninterest expense | $387,000 | 7,379 |
| Pre-tax net operating income | $1,391,000 | 4,311 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $200,000 | 5,712 |
| Income before extraordinary items | $1,191,000 | 3,903 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,191,000 | 3,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,551 |
| Cash dividends | $105,000 | 6,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,191,000 | 3,869 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,855,000 | 5,091 |
| Total interest expense | $3,286,000 | 4,390 |
| Net interest income | $2,569,000 | 5,735 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $371,000 | 5,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,382 |
| Total noninterest expense | $1,538,000 | 6,578 |
| Salaries and employee benefits | $974,000 | 5,876 |
| Premises and equipment expense | $177,000 | 7,107 |
| Additional noninterest expense | $387,000 | 7,327 |
| Pre-tax net operating income | $1,402,000 | 4,405 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $342,000 | 4,825 |
| Income before extraordinary items | $1,060,000 | 4,305 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,060,000 | 4,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,791 |
| Cash dividends | $97,000 | 6,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,060,000 | 4,211 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,456,000 | 5,438 |
| Total interest expense | $2,801,000 | 4,983 |
| Net interest income | $2,655,000 | 5,817 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $321,000 | 6,439 |
| 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 | $125,000 | 6,172 |
| Total noninterest expense | $1,549,000 | 6,665 |
| Salaries and employee benefits | $1,004,000 | 5,848 |
| Premises and equipment expense | $168,000 | 7,420 |
| Additional noninterest expense | $377,000 | 7,557 |
| Pre-tax net operating income | $1,427,000 | 4,663 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $383,000 | 5,011 |
| Income before extraordinary items | $1,044,000 | 4,539 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,044,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,836 |
| Cash dividends | $88,000 | 6,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,044,000 | 4,482 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,939,000 | 5,992 |
| Total interest expense | $2,509,000 | 5,500 |
| Net interest income | $2,430,000 | 6,320 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $333,000 | 6,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,966 |
| Total noninterest expense | $1,477,000 | 7,171 |
| Salaries and employee benefits | $956,000 | 6,194 |
| Premises and equipment expense | $133,000 | 8,447 |
| Additional noninterest expense | $388,000 | 7,980 |
| Pre-tax net operating income | $1,286,000 | 4,862 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $373,000 | 5,113 |
| Income before extraordinary items | $912,000 | 4,831 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $912,000 | 4,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 10,927 |
| Cash dividends | $79,000 | 7,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $912,710 | 4,766 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,533,000 | 6,427 |
| Total interest expense | $2,332,000 | 5,836 |
| Net interest income | $2,201,000 | 6,865 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $309,000 | 6,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,396 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,497 |
| Total noninterest expense | $1,418,000 | 7,530 |
| Salaries and employee benefits | $877,000 | 6,671 |
| Premises and equipment expense | $141,000 | 8,499 |
| Additional noninterest expense | $400,000 | 8,198 |
| Pre-tax net operating income | $1,092,000 | 5,628 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $371,000 | 5,206 |
| Income before extraordinary items | $723,000 | 5,850 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $723,000 | 5,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 11,404 |
| Cash dividends | $70,000 | 7,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $721,680 | 5,837 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,828,000 | 6,917 |
| Total interest expense | $1,683,000 | 6,376 |
| Net interest income | $2,145,000 | 7,212 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $275,000 | 7,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $1,384,000 | 7,959 |
| Salaries and employee benefits | $734,000 | 7,643 |
| Premises and equipment expense | $168,000 | 8,131 |
| Additional noninterest expense | $482,000 | 8,033 |
| Pre-tax net operating income | $1,036,000 | 5,810 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $374,000 | 5,013 |
| Income before extraordinary items | $656,000 | 6,177 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $656,000 | 6,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 12,120 |
| Cash dividends | $63,000 | 7,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $659,840 | 6,222 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,773,000 | 7,154 |
| Total interest expense | $1,771,000 | 6,421 |
| Net interest income | $2,002,000 | 7,663 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $305,000 | 7,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 5,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,431 |
| Total noninterest expense | $1,377,000 | 8,253 |
| Salaries and employee benefits | $715,000 | 7,906 |
| Premises and equipment expense | $179,000 | 8,164 |
| Additional noninterest expense | $483,000 | 8,399 |
| Pre-tax net operating income | $800,000 | 6,809 |
| Securities gains (losses) | $157,000 | 1,942 |
| Applicable income taxes | $362,000 | 5,368 |
| Income before extraordinary items | $595,000 | 6,824 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $595,000 | 6,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,851 |
| Cash dividends | $52,000 | 7,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $494,520 | 7,350 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,488,000 | 6,918 |
| Total interest expense | $2,362,000 | 6,261 |
| Net interest income | $2,126,000 | 7,429 |
| Provision for loan and lease losses | $165,000 | 5,823 |
| Total noninterest income | $263,000 | 8,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,625,000 | 7,486 |
| Salaries and employee benefits | $847,000 | 6,954 |
| Premises and equipment expense | $148,000 | 9,172 |
| Additional noninterest expense | $630,000 | 7,255 |
| Pre-tax net operating income | $599,000 | 7,719 |
| Securities gains (losses) | $249,000 | 1,729 |
| Applicable income taxes | $304,000 | 5,874 |
| Income before extraordinary items | $544,000 | 6,961 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $544,000 | 7,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $680,000 | 2,016 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $384,640 | 8,019 |
* 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.