Home > The Bank of St. Charles County > Income and Expense

The Bank of St. Charles County, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$896,0009,216
Total interest expense$308,0009,282
Net interest income$588,0009,061
Provision for loan and lease losses$08,228
Total noninterest income$98,0008,544
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$59,0007,414
Trading account gains and fees$0177
Additional Noninterest Income$39,0008,049
Total noninterest expense$398,0009,371
Salaries and employee benefits$200,0009,405
Premises and equipment expense$44,0009,231
Additional noninterest expense$154,0009,023
Pre-tax net operating income$288,0007,474
Securities gains (losses)$04,612
Applicable income taxes$88,0006,155
Income before extraordinary items$200,0007,735
Extraordinary gains, net$0105
Net income$200,0007,738
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$200,0007,615
2000-12-31 (YTD Data)Rank
Total interest income$4,663,0005,969
Total interest expense$2,400,0005,707
Net interest income$2,263,0006,168
Provision for loan and lease losses$43,0006,774
Total noninterest income$400,0005,537
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$277,0004,274
Trading account gains and feesNANA
Additional Noninterest Income$123,0005,927
Total noninterest expense$1,499,0006,755
Salaries and employee benefits$801,0006,723
Premises and equipment expense$227,0006,359
Additional noninterest expense$471,0006,637
Pre-tax net operating income$1,121,0004,935
Securities gains (losses)$01,956
Applicable income taxes$353,0004,251
Income before extraordinary items$768,0005,163
Extraordinary gains, net$038
Net income$768,0005,162
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0004,432
Cash dividends$400,0003,920
Sale, conversion, retirement of capital stock, net$0969
Net operating income$768,0005,157
1999-12-31 (YTD Data)Rank
Total interest income$4,243,0006,154
Total interest expense$2,013,0005,976
Net interest income$2,230,0006,222
Provision for loan and lease losses$08,503
Total noninterest income$289,0006,544
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$244,0004,586
Trading account gains and feesNANA
Additional Noninterest Income$45,0008,226
Total noninterest expense$1,472,0006,845
Salaries and employee benefits$752,0006,977
Premises and equipment expense$235,0006,258
Additional noninterest expense$485,0006,623
Pre-tax net operating income$1,047,0005,170
Securities gains (losses)$03,155
Applicable income taxes$337,0004,558
Income before extraordinary items$710,0005,415
Extraordinary gains, net$035
Net income$710,0005,412
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0009,412
Cash dividends$300,0004,494
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$710,0005,386
1998-12-31 (YTD Data)Rank
Total interest income$4,357,0006,179
Total interest expense$2,193,0005,853
Net interest income$2,164,0006,359
Provision for loan and lease losses$08,652
Total noninterest income$266,0006,815
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$235,0004,686
Trading account gains and feesNANA
Additional Noninterest Income$31,0008,965
Total noninterest expense$1,400,0006,961
Salaries and employee benefits$707,0007,143
Premises and equipment expense$247,0006,000
Additional noninterest expense$446,0006,837
Pre-tax net operating income$1,030,0005,321
Securities gains (losses)$04,449
Applicable income taxes$346,0004,788
Income before extraordinary items$684,0005,679
Extraordinary gains, net$032
Net income$684,0005,678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,0009,689
Cash dividends$200,0005,324
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$684,0005,574
1997-12-31 (YTD Data)Rank
Total interest income$3,769,0006,877
Total interest expense$1,874,0006,520
Net interest income$1,895,0007,139
Provision for loan and lease losses$08,829
Total noninterest income$225,0007,521
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$194,0005,433
Trading account gains and feesNANA
Additional Noninterest Income$31,0009,280
Total noninterest expense$1,320,0007,257
Salaries and employee benefits$671,0007,488
Premises and equipment expense$234,0006,292
Additional noninterest expense$415,0007,226
Pre-tax net operating income$800,0006,545
Securities gains (losses)$03,944
Applicable income taxes$266,0006,081
Income before extraordinary items$534,0006,775
Extraordinary gains, net$044
Net income$534,0006,777
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0007,011
Cash dividends$300,0004,516
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$534,0006,717
1996-12-31 (YTD Data)Rank
Total interest income$3,430,0007,471
Total interest expense$1,678,0007,142
Net interest income$1,752,0007,659
Provision for loan and lease losses$09,041
Total noninterest income$224,0007,911
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$180,0005,903
Trading account gains and feesNANA
Additional Noninterest Income$44,0009,167
Total noninterest expense$1,251,0007,826
Salaries and employee benefits$668,0007,732
Premises and equipment expense$213,0006,804
Additional noninterest expense$370,0008,155
Pre-tax net operating income$725,0006,820
Securities gains (losses)$04,148
Applicable income taxes$237,0006,613
Income before extraordinary items$488,0006,982
Extraordinary gains, net$053
Net income$488,0006,986
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-75,00011,160
Cash dividends$100,0006,641
Sale, conversion, retirement of capital stock, net$0953
Net operating income$488,0006,919
1995-12-31 (YTD Data)Rank
Total interest income$3,171,0007,974
Total interest expense$1,578,0007,484
Net interest income$1,593,0008,270
Provision for loan and lease losses$08,958
Total noninterest income$194,0008,526
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$168,0006,292
Trading account gains and feesNANA
Additional Noninterest Income$26,00010,525
Total noninterest expense$1,312,0007,831
Salaries and employee benefits$649,0008,073
Premises and equipment expense$172,0007,765
Additional noninterest expense$491,0007,329
Pre-tax net operating income$475,0008,583
Securities gains (losses)$03,831
Applicable income taxes$150,0008,259
Income before extraordinary items$325,0008,701
Extraordinary gains, net$065
Net income$325,0008,705
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,00010,662
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$325,0008,670
1994-12-31 (YTD Data)Rank
Total interest income$2,520,0008,878
Total interest expense$975,0008,802
Net interest income$1,545,0008,749
Provision for loan and lease losses$3,0008,961
Total noninterest income$270,0007,657
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$156,0006,747
Trading account gains and feesNANA
Additional Noninterest Income$114,0007,101
Total noninterest expense$998,0009,362
Salaries and employee benefits$482,0009,558
Premises and equipment expense$94,00010,216
Additional noninterest expense$422,0008,602
Pre-tax net operating income$814,0006,806
Securities gains (losses)$03,600
Applicable income taxes$262,0006,368
Income before extraordinary items$552,0006,888
Extraordinary gains, net$0249
Net income$552,0006,901
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-23,00011,354
Cash dividends$140,0006,251
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$552,0006,947
1993-12-31 (YTD Data)Rank
Total interest income$2,587,0009,028
Total interest expense$1,056,0008,859
Net interest income$1,531,0009,009
Provision for loan and lease losses$347,0002,736
Total noninterest income$252,0008,332
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$164,0006,750
Trading account gains and feesNANA
Additional Noninterest Income$88,0008,318
Total noninterest expense$952,0009,967
Salaries and employee benefits$442,00010,233
Premises and equipment expense$96,00010,570
Additional noninterest expense$414,0009,111
Pre-tax net operating income$484,0008,759
Securities gains (losses)$-2,00012,373
Applicable income taxes$147,0008,722
Income before extraordinary items$335,0009,085
Extraordinary gains, net$03,149
Net income$335,0009,251
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$431,0001,955
Cash dividends$100,0006,847
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$336,4008,814
1992-12-31 (YTD Data)Rank
Total interest income$2,982,0009,020
Total interest expense$1,401,0008,851
Net interest income$1,581,0009,008
Provision for loan and lease losses$305,0004,063
Total noninterest income$179,0009,849
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$157,0006,925
Trading account gains and feesNANA
Additional Noninterest Income$22,00012,406
Total noninterest expense$881,00010,601
Salaries and employee benefits$413,00010,708
Premises and equipment expense$87,00011,223
Additional noninterest expense$381,0009,802
Pre-tax net operating income$574,0007,900
Securities gains (losses)$08,369
Applicable income taxes$186,0007,837
Income before extraordinary items$388,0008,339
Extraordinary gains, net$-34,00013,552
Net income$354,0008,807
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$55,0007,355
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$388,0007,981

* 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.