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Hancock Savings Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$13,966,0002,391
Total interest expense$8,335,0001,886
Net interest income$5,631,0003,139
Provision for loan and lease losses$6,975,000274
Total noninterest income$1,533,0002,268
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$136,000169
Additional Noninterest Income$1,397,0001,442
Total noninterest expense$5,863,0002,347
Salaries and employee benefits$2,579,0002,600
Premises and equipment expense$979,0002,048
Additional noninterest expense$2,305,0002,173
Pre-tax net operating income$-5,674,00011,452
Securities gains (losses)$04,148
Applicable income taxes$4,00010,471
Income before extraordinary items$-5,678,00011,432
Extraordinary gains, net$053
Net income$-5,678,00011,432
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,394,000418
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$4,434,000175
Net operating income$-5,678,00011,431
1995-12-31 (YTD Data)Rank
Total interest income$13,448,0002,485
Total interest expense$8,038,0001,943
Net interest income$5,410,0003,280
Provision for loan and lease losses$3,499,000403
Total noninterest income$1,471,0002,311
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$300,000209
Additional Noninterest Income$1,171,0001,624
Total noninterest expense$5,765,0002,362
Salaries and employee benefits$2,717,0002,458
Premises and equipment expense$1,083,0001,865
Additional noninterest expense$1,965,0002,431
Pre-tax net operating income$-2,383,00011,935
Securities gains (losses)$03,831
Applicable income taxes$-708,00011,887
Income before extraordinary items$-1,675,00011,894
Extraordinary gains, net$065
Net income$-1,675,00011,893
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$714,0001,098
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$-1,675,00011,892
1994-12-31 (YTD Data)Rank
Total interest income$11,800,0002,571
Total interest expense$6,049,0002,062
Net interest income$5,751,0003,113
Provision for loan and lease losses$1,550,000693
Total noninterest income$722,0004,024
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$-99,0004,877
Additional Noninterest Income$821,0002,103
Total noninterest expense$6,082,0002,311
Salaries and employee benefits$2,662,0002,510
Premises and equipment expense$1,088,0001,878
Additional noninterest expense$2,332,0002,273
Pre-tax net operating income$-1,159,00012,474
Securities gains (losses)$03,600
Applicable income taxes$-248,00012,413
Income before extraordinary items$-911,00012,418
Extraordinary gains, net$0249
Net income$-911,00012,414
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,341,000740
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-911,00012,417
1993-12-31 (YTD Data)Rank
Total interest income$11,934,0002,583
Total interest expense$6,000,0002,170
Net interest income$5,934,0003,060
Provision for loan and lease losses$1,437,0001,035
Total noninterest income$749,0004,219
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$749,0002,483
Total noninterest expense$6,318,0002,286
Salaries and employee benefits$2,606,0002,548
Premises and equipment expense$1,349,0001,563
Additional noninterest expense$2,363,0002,364
Pre-tax net operating income$-1,072,00012,988
Securities gains (losses)$359,0001,132
Applicable income taxes$-158,00013,008
Income before extraordinary items$-555,00012,909
Extraordinary gains, net$03,149
Net income$-555,00012,917
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$704,0001,439
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$6,0001,161
Net operating income$-835,02012,930
1992-12-31 (YTD Data)Rank
Total interest income$14,462,0002,429
Total interest expense$7,545,0002,250
Net interest income$6,917,0002,627
Provision for loan and lease losses$576,0002,703
Total noninterest income$1,212,0002,842
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$1,212,0001,759
Total noninterest expense$5,428,0002,658
Salaries and employee benefits$2,587,0002,494
Premises and equipment expense$1,359,0001,567
Additional noninterest expense$1,482,0003,641
Pre-tax net operating income$2,125,0002,934
Securities gains (losses)$656,000882
Applicable income taxes$1,065,0001,994
Income before extraordinary items$1,716,0002,674
Extraordinary gains, net$01,422
Net income$1,716,0002,714
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0009,962
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$296,000664
Net operating income$1,296,1603,284

* 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.