Home > Hardwick Bank & Trust Company > Income and Expense
Hardwick Bank & Trust Company, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,671,000 | 1,524 |
| Total interest expense | $10,387,000 | 1,657 |
| Net interest income | $12,284,000 | 1,432 |
| Provision for loan and lease losses | $757,000 | 1,324 |
| Total noninterest income | $3,819,000 | 1,105 |
| Gross Fiduciary activities income | $565,000 | 560 |
| Service charges on deposit accounts | $1,661,000 | 823 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,593,000 | 1,323 |
| Total noninterest expense | $14,190,000 | 992 |
| Salaries and employee benefits | $6,682,000 | 1,053 |
| Premises and equipment expense | $1,517,000 | 1,348 |
| Additional noninterest expense | $5,991,000 | 833 |
| Pre-tax net operating income | $1,156,000 | 4,834 |
| Securities gains (losses) | $-795,000 | 9,744 |
| Applicable income taxes | $-11,000 | 9,330 |
| Income before extraordinary items | $372,000 | 7,027 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $372,000 | 7,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $625,000 | 3,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,167,000 | 3,927 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,533,000 | 1,588 |
| Total interest expense | $8,284,000 | 1,792 |
| Net interest income | $12,249,000 | 1,425 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $3,607,000 | 1,170 |
| Gross Fiduciary activities income | $542,000 | 613 |
| Service charges on deposit accounts | $1,615,000 | 818 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,450,000 | 1,431 |
| Total noninterest expense | $10,343,000 | 1,345 |
| Salaries and employee benefits | $4,810,000 | 1,437 |
| Premises and equipment expense | $1,541,000 | 1,314 |
| Additional noninterest expense | $3,992,000 | 1,170 |
| Pre-tax net operating income | $5,513,000 | 1,379 |
| Securities gains (losses) | $-778,000 | 10,133 |
| Applicable income taxes | $1,244,000 | 1,862 |
| Income before extraordinary items | $3,491,000 | 1,532 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,491,000 | 1,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,912 |
| Cash dividends | $1,500,000 | 1,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,066,720 | 1,311 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,445,000 | 1,590 |
| Total interest expense | $8,791,000 | 1,746 |
| Net interest income | $11,654,000 | 1,441 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $3,235,000 | 1,270 |
| Gross Fiduciary activities income | $467,000 | 657 |
| Service charges on deposit accounts | $1,551,000 | 796 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,217,000 | 1,611 |
| Total noninterest expense | $9,659,000 | 1,361 |
| Salaries and employee benefits | $4,194,000 | 1,589 |
| Premises and equipment expense | $1,595,000 | 1,201 |
| Additional noninterest expense | $3,870,000 | 1,155 |
| Pre-tax net operating income | $5,030,000 | 1,466 |
| Securities gains (losses) | $132,000 | 1,119 |
| Applicable income taxes | $1,485,000 | 1,650 |
| Income before extraordinary items | $3,677,000 | 1,437 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,677,000 | 1,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,851 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,583,280 | 1,411 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,019,000 | 1,644 |
| Total interest expense | $8,496,000 | 1,824 |
| Net interest income | $11,523,000 | 1,494 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $4,270,000 | 1,030 |
| Gross Fiduciary activities income | $430,000 | 708 |
| Service charges on deposit accounts | $1,677,000 | 758 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,163,000 | 1,044 |
| Total noninterest expense | $9,514,000 | 1,384 |
| Salaries and employee benefits | $4,524,000 | 1,447 |
| Premises and equipment expense | $1,568,000 | 1,256 |
| Additional noninterest expense | $3,422,000 | 1,280 |
| Pre-tax net operating income | $6,279,000 | 1,243 |
| Securities gains (losses) | $41,000 | 1,451 |
| Applicable income taxes | $2,034,000 | 1,303 |
| Income before extraordinary items | $4,286,000 | 1,271 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,286,000 | 1,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,760 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,258,120 | 1,249 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,064,000 | 1,768 |
| Total interest expense | $7,974,000 | 1,968 |
| Net interest income | $11,090,000 | 1,599 |
| Provision for loan and lease losses | $246,000 | 2,968 |
| Total noninterest income | $2,629,000 | 1,495 |
| Gross Fiduciary activities income | $382,000 | 786 |
| Service charges on deposit accounts | $1,378,000 | 964 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $869,000 | 1,995 |
| Total noninterest expense | $9,196,000 | 1,545 |
| Salaries and employee benefits | $4,207,000 | 1,588 |
| Premises and equipment expense | $1,768,000 | 1,186 |
| Additional noninterest expense | $3,221,000 | 1,618 |
| Pre-tax net operating income | $4,277,000 | 1,688 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $1,095,000 | 2,165 |
| Income before extraordinary items | $3,207,000 | 1,546 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,207,000 | 1,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,492 |
| Cash dividends | $4,400,000 | 730 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,188,250 | 1,527 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,251,000 | 1,858 |
| Total interest expense | $7,602,000 | 2,061 |
| Net interest income | $10,649,000 | 1,676 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $2,312,000 | 1,631 |
| Gross Fiduciary activities income | $341,000 | 851 |
| Service charges on deposit accounts | $1,389,000 | 962 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $582,000 | 2,589 |
| Total noninterest expense | $9,167,000 | 1,552 |
| Salaries and employee benefits | $4,536,000 | 1,465 |
| Premises and equipment expense | $1,618,000 | 1,286 |
| Additional noninterest expense | $3,013,000 | 1,698 |
| Pre-tax net operating income | $3,794,000 | 1,946 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $892,000 | 2,626 |
| Income before extraordinary items | $2,909,000 | 1,730 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,909,000 | 1,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,624 |
| Cash dividends | $1,500,000 | 1,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,903,610 | 1,713 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,541,000 | 1,862 |
| Total interest expense | $6,088,000 | 2,052 |
| Net interest income | $10,453,000 | 1,728 |
| Provision for loan and lease losses | $-300,000 | 12,391 |
| Total noninterest income | $2,315,000 | 1,648 |
| Gross Fiduciary activities income | $342,000 | 853 |
| Service charges on deposit accounts | $1,356,000 | 975 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $617,000 | 2,531 |
| Total noninterest expense | $9,268,000 | 1,584 |
| Salaries and employee benefits | $4,006,000 | 1,670 |
| Premises and equipment expense | $1,396,000 | 1,490 |
| Additional noninterest expense | $3,866,000 | 1,447 |
| Pre-tax net operating income | $3,800,000 | 1,871 |
| Securities gains (losses) | $278,000 | 400 |
| Applicable income taxes | $1,000,000 | 2,242 |
| Income before extraordinary items | $3,078,000 | 1,590 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,078,000 | 1,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-168,000 | 12,374 |
| Cash dividends | $1,500,000 | 1,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,869,500 | 1,713 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,453,000 | 1,793 |
| Total interest expense | $6,755,000 | 1,924 |
| Net interest income | $10,698,000 | 1,702 |
| Provision for loan and lease losses | $750,000 | 1,576 |
| Total noninterest income | $2,168,000 | 1,859 |
| Gross Fiduciary activities income | $264,000 | 981 |
| Service charges on deposit accounts | $1,389,000 | 954 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $515,000 | 3,207 |
| Total noninterest expense | $8,808,000 | 1,714 |
| Salaries and employee benefits | $4,148,000 | 1,620 |
| Premises and equipment expense | $1,246,000 | 1,681 |
| Additional noninterest expense | $3,414,000 | 1,716 |
| Pre-tax net operating income | $3,308,000 | 2,054 |
| Securities gains (losses) | $30,000 | 4,104 |
| Applicable income taxes | $784,000 | 2,800 |
| Income before extraordinary items | $2,554,000 | 1,956 |
| Extraordinary gains, net | $639,000 | 351 |
| Net income | $3,193,000 | 1,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-656,000 | 13,247 |
| Cash dividends | $1,300,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,530,900 | 1,862 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,518,000 | 1,819 |
| Total interest expense | $8,759,000 | 1,936 |
| Net interest income | $10,759,000 | 1,711 |
| Provision for loan and lease losses | $1,050,000 | 1,779 |
| Total noninterest income | $2,102,000 | 1,864 |
| Gross Fiduciary activities income | $251,000 | 1,018 |
| Service charges on deposit accounts | $1,221,000 | 1,072 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $630,000 | 2,736 |
| Total noninterest expense | $8,286,000 | 1,830 |
| Salaries and employee benefits | $3,998,000 | 1,653 |
| Premises and equipment expense | $1,110,000 | 1,904 |
| Additional noninterest expense | $3,178,000 | 1,910 |
| Pre-tax net operating income | $3,525,000 | 1,750 |
| Securities gains (losses) | $89,000 | 3,202 |
| Applicable income taxes | $874,000 | 2,385 |
| Income before extraordinary items | $2,740,000 | 1,680 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,740,000 | 1,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,064,000 | 1,498 |
| Cash dividends | $1,300,000 | 1,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,672,360 | 1,579 |
* 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.