Home > The Bellbrook Community Bank > Income and Expense
The Bellbrook Community Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,910,000 | 7,872 |
| Total interest expense | $1,418,000 | 7,547 |
| Net interest income | $1,492,000 | 7,996 |
| Provision for loan and lease losses | $69,000 | 5,965 |
| Total noninterest income | $537,000 | 4,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $333,000 | 3,690 |
| Total noninterest expense | $1,359,000 | 7,149 |
| Salaries and employee benefits | $669,000 | 7,495 |
| Premises and equipment expense | $24,000 | 10,708 |
| Additional noninterest expense | $666,000 | 5,428 |
| Pre-tax net operating income | $601,000 | 7,417 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $166,000 | 7,380 |
| Income before extraordinary items | $435,000 | 7,405 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $435,000 | 7,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $435,000 | 7,355 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,126,000 | 9,203 |
| Total interest expense | $868,000 | 9,419 |
| Net interest income | $1,258,000 | 8,873 |
| Provision for loan and lease losses | $106,000 | 4,950 |
| Total noninterest income | $356,000 | 6,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,503 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,917 |
| Total noninterest expense | $1,079,000 | 8,407 |
| Salaries and employee benefits | $510,000 | 8,795 |
| Premises and equipment expense | $203,000 | 6,979 |
| Additional noninterest expense | $366,000 | 8,194 |
| Pre-tax net operating income | $429,000 | 8,346 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $86,000 | 9,001 |
| Income before extraordinary items | $343,000 | 8,053 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $343,000 | 8,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $343,000 | 8,000 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 10,181 |
| Total interest expense | $643,000 | 10,517 |
| Net interest income | $1,056,000 | 9,760 |
| Provision for loan and lease losses | $27,000 | 7,269 |
| Total noninterest income | $327,000 | 6,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,690 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,480 |
| Total noninterest expense | $1,087,000 | 8,626 |
| Salaries and employee benefits | $524,000 | 8,910 |
| Premises and equipment expense | $88,000 | 9,975 |
| Additional noninterest expense | $475,000 | 7,473 |
| Pre-tax net operating income | $269,000 | 9,975 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $51,000 | 10,172 |
| Income before extraordinary items | $210,000 | 9,824 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $210,000 | 9,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $216,400 | 9,731 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,595,000 | 10,540 |
| Total interest expense | $534,000 | 10,940 |
| Net interest income | $1,061,000 | 10,207 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $274,000 | 7,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,044 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,126 |
| Total noninterest expense | $1,006,000 | 9,321 |
| Salaries and employee benefits | $492,000 | 9,467 |
| Premises and equipment expense | $103,000 | 9,932 |
| Additional noninterest expense | $411,000 | 8,718 |
| Pre-tax net operating income | $314,000 | 10,026 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $82,000 | 9,759 |
| Income before extraordinary items | $232,000 | 9,896 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $232,000 | 9,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $232,000 | 9,969 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 11,131 |
| Total interest expense | $558,000 | 11,382 |
| Net interest income | $988,000 | 10,830 |
| Provision for loan and lease losses | $9,000 | 9,850 |
| Total noninterest income | $258,000 | 8,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 6,118 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,257 |
| Total noninterest expense | $918,000 | 10,117 |
| Salaries and employee benefits | $448,000 | 10,169 |
| Premises and equipment expense | $82,000 | 11,085 |
| Additional noninterest expense | $388,000 | 9,393 |
| Pre-tax net operating income | $319,000 | 10,090 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $84,000 | 10,123 |
| Income before extraordinary items | $233,000 | 10,241 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $233,000 | 10,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $63,000 | 7,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $234,480 | 9,983 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,581,000 | 11,772 |
| Total interest expense | $683,000 | 11,906 |
| Net interest income | $898,000 | 11,529 |
| Provision for loan and lease losses | $4,000 | 11,584 |
| Total noninterest income | $261,000 | 8,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,955 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $851,000 | 10,747 |
| Salaries and employee benefits | $413,000 | 10,708 |
| Premises and equipment expense | $72,000 | 11,802 |
| Additional noninterest expense | $366,000 | 10,000 |
| Pre-tax net operating income | $304,000 | 10,097 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $85,000 | 10,309 |
| Income before extraordinary items | $219,000 | 10,332 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $219,000 | 10,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $44,000 | 7,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $219,000 | 9,993 |
* 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.