Home > Shelby Bank > Income and Expense
Shelby Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,387,000 | 10,962 |
| Total interest expense | $581,000 | 10,686 |
| Net interest income | $806,000 | 11,036 |
| Provision for loan and lease losses | $57,000 | 5,874 |
| Total noninterest income | $166,000 | 9,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 6,969 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $847,000 | 10,013 |
| Salaries and employee benefits | $393,000 | 10,348 |
| Premises and equipment expense | $154,000 | 8,443 |
| Additional noninterest expense | $300,000 | 9,963 |
| Pre-tax net operating income | $68,000 | 11,814 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $68,000 | 11,671 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $68,000 | 11,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,627 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $68,000 | 11,707 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,199,000 | 11,888 |
| Total interest expense | $602,000 | 11,134 |
| Net interest income | $597,000 | 12,222 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $251,000 | 8,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,138 |
| Total noninterest expense | $1,013,000 | 9,676 |
| Salaries and employee benefits | $353,000 | 11,117 |
| Premises and equipment expense | $164,000 | 8,533 |
| Additional noninterest expense | $496,000 | 8,251 |
| Pre-tax net operating income | $-180,000 | 12,684 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-164,000 | 12,725 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-164,000 | 12,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 3,368 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $900,000 | 498 |
| Net operating income | $-180,000 | 12,658 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 12,624 |
| Total interest expense | $770,000 | 11,463 |
| Net interest income | $421,000 | 13,330 |
| Provision for loan and lease losses | $84,000 | 7,767 |
| Total noninterest income | $180,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $1,082,000 | 9,602 |
| Salaries and employee benefits | $382,000 | 11,066 |
| Premises and equipment expense | $143,000 | 9,322 |
| Additional noninterest expense | $557,000 | 7,904 |
| Pre-tax net operating income | $-565,000 | 13,326 |
| Securities gains (losses) | $133,000 | 2,567 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-432,000 | 13,347 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-432,000 | 13,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 7,598 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,239,000 | 386 |
| Net operating income | $-565,000 | 13,301 |
* 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.