Home > The Armstrong County Trust Company > Income and Expense
The Armstrong County Trust Company, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,302,000 | 7,804 |
| Total interest expense | $1,484,000 | 7,745 |
| Net interest income | $1,818,000 | 7,721 |
| Provision for loan and lease losses | $38,000 | 6,705 |
| Total noninterest income | $63,000 | 11,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 9,769 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,138 |
| Total noninterest expense | $1,170,000 | 8,319 |
| Salaries and employee benefits | $474,000 | 9,326 |
| Premises and equipment expense | $159,000 | 8,051 |
| Additional noninterest expense | $537,000 | 6,974 |
| Pre-tax net operating income | $673,000 | 7,453 |
| Securities gains (losses) | $164,000 | 751 |
| Applicable income taxes | $190,000 | 7,597 |
| Income before extraordinary items | $647,000 | 6,332 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $647,000 | 6,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,712 |
| Cash dividends | $486,000 | 3,428 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $520,720 | 7,077 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,544,000 | 8,835 |
| Total interest expense | $856,000 | 9,323 |
| Net interest income | $1,688,000 | 8,336 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $62,000 | 11,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 10,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,881 |
| Total noninterest expense | $821,000 | 10,135 |
| Salaries and employee benefits | $422,000 | 10,090 |
| Premises and equipment expense | $122,000 | 9,334 |
| Additional noninterest expense | $277,000 | 10,219 |
| Pre-tax net operating income | $929,000 | 6,265 |
| Securities gains (losses) | $37,000 | 1,338 |
| Applicable income taxes | $230,000 | 6,840 |
| Income before extraordinary items | $736,000 | 5,688 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $736,000 | 5,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $446,000 | 3,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $707,880 | 5,926 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,478,000 | 9,227 |
| Total interest expense | $932,000 | 9,414 |
| Net interest income | $1,546,000 | 8,961 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $33,000 | 12,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 11,204 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,812 |
| Total noninterest expense | $732,000 | 11,008 |
| Salaries and employee benefits | $341,000 | 11,238 |
| Premises and equipment expense | $88,000 | 10,858 |
| Additional noninterest expense | $303,000 | 10,412 |
| Pre-tax net operating income | $847,000 | 6,588 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $246,000 | 6,869 |
| Income before extraordinary items | $601,000 | 6,768 |
| Extraordinary gains, net | $64,000 | 1,977 |
| Net income | $665,000 | 6,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $248,000 | 4,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $601,000 | 6,531 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,471,000 | 9,970 |
| Total interest expense | $1,063,000 | 10,120 |
| Net interest income | $1,408,000 | 9,601 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $38,000 | 13,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 11,579 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 12,017 |
| Total noninterest expense | $717,000 | 11,426 |
| Salaries and employee benefits | $329,000 | 11,678 |
| Premises and equipment expense | $100,000 | 10,743 |
| Additional noninterest expense | $288,000 | 11,000 |
| Pre-tax net operating income | $729,000 | 6,944 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $180,000 | 7,969 |
| Income before extraordinary items | $549,000 | 6,937 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $549,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $549,000 | 6,575 |
* 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.