Home > The Bank of Heard County > Income and Expense
The Bank of Heard County, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,532,000 | 7,513 |
| Total interest expense | $1,628,000 | 7,332 |
| Net interest income | $1,904,000 | 7,522 |
| Provision for loan and lease losses | $75,000 | 5,235 |
| Total noninterest income | $231,000 | 7,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,336 |
| Total noninterest expense | $1,199,000 | 8,211 |
| Salaries and employee benefits | $795,000 | 7,122 |
| Premises and equipment expense | $119,000 | 9,075 |
| Additional noninterest expense | $285,000 | 9,409 |
| Pre-tax net operating income | $861,000 | 6,594 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $409,000 | 4,875 |
| Income before extraordinary items | $453,000 | 7,612 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $453,000 | 7,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $60,000 | 7,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $452,360 | 7,588 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,988,000 | 8,069 |
| Total interest expense | $1,243,000 | 7,738 |
| Net interest income | $1,745,000 | 8,186 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $232,000 | 8,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 6,007 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,213 |
| Total noninterest expense | $1,264,000 | 8,376 |
| Salaries and employee benefits | $808,000 | 7,163 |
| Premises and equipment expense | $139,000 | 8,849 |
| Additional noninterest expense | $317,000 | 9,750 |
| Pre-tax net operating income | $663,000 | 7,630 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $239,000 | 6,699 |
| Income before extraordinary items | $424,000 | 7,944 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $424,000 | 7,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $55,000 | 7,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $424,000 | 7,997 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,843,000 | 8,592 |
| Total interest expense | $1,127,000 | 8,570 |
| Net interest income | $1,716,000 | 8,451 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $186,000 | 9,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $1,299,000 | 8,515 |
| Salaries and employee benefits | $832,000 | 7,127 |
| Premises and equipment expense | $147,000 | 8,987 |
| Additional noninterest expense | $320,000 | 10,194 |
| Pre-tax net operating income | $553,000 | 8,277 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $193,000 | 7,749 |
| Income before extraordinary items | $360,000 | 8,833 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $360,000 | 9,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 11,621 |
| Cash dividends | $55,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $360,000 | 8,569 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,800,000 | 9,330 |
| Total interest expense | $1,181,000 | 9,662 |
| Net interest income | $1,619,000 | 8,903 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $219,000 | 9,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $1,234,000 | 8,902 |
| Salaries and employee benefits | $793,000 | 7,304 |
| Premises and equipment expense | $120,000 | 10,011 |
| Additional noninterest expense | $321,000 | 10,544 |
| Pre-tax net operating income | $554,000 | 8,036 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $169,000 | 8,190 |
| Income before extraordinary items | $385,000 | 8,368 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $385,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $385,000 | 8,013 |
* 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.