Home > Hometown National Bank > Income and Expense
Hometown National Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,058,000 | 5,138 |
| Total interest expense | $2,535,000 | 4,060 |
| Net interest income | $2,523,000 | 5,876 |
| Provision for loan and lease losses | $544,000 | 2,248 |
| Total noninterest income | $457,000 | 5,460 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $269,000 | 4,509 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $188,000 | 5,152 |
| Total noninterest expense | $1,794,000 | 6,270 |
| Salaries and employee benefits | $1,125,000 | 5,732 |
| Premises and equipment expense | $171,000 | 7,151 |
| Additional noninterest expense | $498,000 | 6,509 |
| Pre-tax net operating income | $642,000 | 6,281 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $241,000 | 4,824 |
| Income before extraordinary items | $401,000 | 6,842 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $401,000 | 6,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 1,896 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $401,000 | 6,709 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,834,000 | 5,064 |
| Total interest expense | $3,717,000 | 4,028 |
| Net interest income | $2,117,000 | 6,253 |
| Provision for loan and lease losses | $106,000 | 5,492 |
| Total noninterest income | $642,000 | 4,408 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $196,000 | 5,211 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $446,000 | 3,330 |
| Total noninterest expense | $1,897,000 | 5,940 |
| Salaries and employee benefits | $1,246,000 | 5,172 |
| Premises and equipment expense | $158,000 | 7,401 |
| Additional noninterest expense | $493,000 | 6,486 |
| Pre-tax net operating income | $756,000 | 5,634 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $276,000 | 4,432 |
| Income before extraordinary items | $480,000 | 6,177 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $480,000 | 6,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,857 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $988,000 | 420 |
| Net operating income | $480,000 | 6,047 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,495,000 | 5,389 |
| Total interest expense | $3,359,000 | 4,514 |
| Net interest income | $2,136,000 | 6,373 |
| Provision for loan and lease losses | $132,000 | 4,658 |
| Total noninterest income | $623,000 | 4,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 5,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $468,000 | 3,059 |
| Total noninterest expense | $1,811,000 | 6,042 |
| Salaries and employee benefits | $1,231,000 | 5,104 |
| Premises and equipment expense | $124,000 | 8,022 |
| Additional noninterest expense | $456,000 | 6,732 |
| Pre-tax net operating income | $816,000 | 5,812 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $296,000 | 4,620 |
| Income before extraordinary items | $520,000 | 6,213 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $520,000 | 6,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,200 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $520,000 | 6,224 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,705,000 | 6,610 |
| Total interest expense | $2,127,000 | 5,768 |
| Net interest income | $1,578,000 | 7,439 |
| Provision for loan and lease losses | $194,000 | 3,629 |
| Total noninterest income | $364,000 | 5,887 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 6,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $260,000 | 4,352 |
| Total noninterest expense | $1,372,000 | 7,106 |
| Salaries and employee benefits | $872,000 | 6,441 |
| Premises and equipment expense | $112,000 | 8,385 |
| Additional noninterest expense | $388,000 | 7,371 |
| Pre-tax net operating income | $376,000 | 7,709 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $113,000 | 6,751 |
| Income before extraordinary items | $263,000 | 7,841 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $263,000 | 7,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $263,000 | 7,815 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,929,000 | 8,768 |
| Total interest expense | $1,139,000 | 8,057 |
| Net interest income | $790,000 | 9,275 |
| Provision for loan and lease losses | $88,000 | 5,415 |
| Total noninterest income | $63,000 | 9,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 7,895 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $728,000 | 9,024 |
| Salaries and employee benefits | $438,000 | 8,719 |
| Premises and equipment expense | $68,000 | 9,397 |
| Additional noninterest expense | $222,000 | 8,878 |
| Pre-tax net operating income | $37,000 | 9,664 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $9,000 | 9,103 |
| Income before extraordinary items | $28,000 | 9,728 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $28,000 | 9,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $28,000 | 9,668 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $531,000 | 10,695 |
| Total interest expense | $204,000 | 10,665 |
| Net interest income | $327,000 | 10,654 |
| Provision for loan and lease losses | $53,000 | 6,553 |
| Total noninterest income | $16,000 | 10,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 9,232 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,800 |
| Total noninterest expense | $624,000 | 9,659 |
| Salaries and employee benefits | $347,000 | 9,618 |
| Premises and equipment expense | $72,000 | 9,646 |
| Additional noninterest expense | $205,000 | 9,347 |
| Pre-tax net operating income | $-334,000 | 10,659 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-74,000 | 10,670 |
| Income before extraordinary items | $-260,000 | 10,644 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-260,000 | 10,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 200 |
| Net operating income | $-260,000 | 10,621 |
* 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.