Home > Smith County Bank > Income and Expense
Smith County Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,928,000 | 4,534 |
| Total interest expense | $3,633,000 | 4,015 |
| Net interest income | $3,295,000 | 4,942 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $757,000 | 3,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $581,000 | 2,253 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,269 |
| Total noninterest expense | $2,737,000 | 4,430 |
| Salaries and employee benefits | $1,533,000 | 4,176 |
| Premises and equipment expense | $462,000 | 3,959 |
| Additional noninterest expense | $742,000 | 4,993 |
| Pre-tax net operating income | $1,195,000 | 5,266 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $359,000 | 5,222 |
| Income before extraordinary items | $836,000 | 5,310 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $836,000 | 5,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,671 |
| Cash dividends | $105,000 | 6,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $836,000 | 5,253 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,980,000 | 4,589 |
| Total interest expense | $3,656,000 | 4,018 |
| Net interest income | $3,324,000 | 5,048 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $725,000 | 3,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $561,000 | 2,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,709 |
| Total noninterest expense | $3,013,000 | 4,297 |
| Salaries and employee benefits | $1,519,000 | 4,257 |
| Premises and equipment expense | $488,000 | 3,850 |
| Additional noninterest expense | $1,006,000 | 4,386 |
| Pre-tax net operating income | $1,036,000 | 5,612 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $336,000 | 5,456 |
| Income before extraordinary items | $700,000 | 5,764 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $700,000 | 5,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-162,000 | 11,309 |
| Cash dividends | $105,000 | 6,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $700,000 | 5,704 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,579,000 | 4,805 |
| Total interest expense | $3,408,000 | 4,258 |
| Net interest income | $3,171,000 | 5,255 |
| Provision for loan and lease losses | $205,000 | 2,949 |
| Total noninterest income | $748,000 | 3,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $613,000 | 2,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,277 |
| Total noninterest expense | $3,009,000 | 4,281 |
| Salaries and employee benefits | $1,533,000 | 4,205 |
| Premises and equipment expense | $556,000 | 3,432 |
| Additional noninterest expense | $920,000 | 4,680 |
| Pre-tax net operating income | $705,000 | 7,303 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $250,000 | 6,647 |
| Income before extraordinary items | $457,000 | 7,586 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $457,000 | 7,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,829 |
| Cash dividends | $105,000 | 6,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $455,700 | 7,566 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,666,000 | 5,111 |
| Total interest expense | $2,444,000 | 4,742 |
| Net interest income | $3,222,000 | 5,288 |
| Provision for loan and lease losses | $2,129,000 | 553 |
| Total noninterest income | $759,000 | 3,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $600,000 | 2,275 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 6,034 |
| Total noninterest expense | $2,632,000 | 4,931 |
| Salaries and employee benefits | $1,230,000 | 5,138 |
| Premises and equipment expense | $424,000 | 4,371 |
| Additional noninterest expense | $978,000 | 4,800 |
| Pre-tax net operating income | $-780,000 | 12,424 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $-736,000 | 12,507 |
| Income before extraordinary items | $-42,000 | 12,098 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-42,000 | 12,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,385,000 | 496 |
| Cash dividends | $105,000 | 6,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-43,280 | 12,121 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,085,000 | 6,776 |
| Total interest expense | $1,615,000 | 6,838 |
| Net interest income | $2,470,000 | 6,605 |
| Provision for loan and lease losses | $231,000 | 3,607 |
| Total noninterest income | $607,000 | 4,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $491,000 | 2,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,420 |
| Total noninterest expense | $2,056,000 | 6,186 |
| Salaries and employee benefits | $1,047,000 | 5,890 |
| Premises and equipment expense | $360,000 | 5,114 |
| Additional noninterest expense | $649,000 | 6,951 |
| Pre-tax net operating income | $790,000 | 6,868 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $199,000 | 7,638 |
| Income before extraordinary items | $583,000 | 6,911 |
| Extraordinary gains, net | $17,000 | 2,772 |
| Net income | $610,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,895 |
| Cash dividends | $105,000 | 6,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $581,500 | 6,679 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,423,000 | 6,983 |
| Total interest expense | $1,926,000 | 7,285 |
| Net interest income | $2,497,000 | 6,608 |
| Provision for loan and lease losses | $250,000 | 4,577 |
| Total noninterest income | $602,000 | 4,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $481,000 | 2,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 7,418 |
| Total noninterest expense | $2,073,000 | 6,201 |
| Salaries and employee benefits | $1,002,000 | 6,015 |
| Premises and equipment expense | $410,000 | 4,711 |
| Additional noninterest expense | $661,000 | 7,027 |
| Pre-tax net operating income | $776,000 | 6,678 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $151,000 | 8,593 |
| Income before extraordinary items | $627,000 | 6,389 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $627,000 | 6,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 4,836 |
| Cash dividends | $105,000 | 6,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $625,380 | 6,038 |
* 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.