Home > The Caroline County Bank > Income and Expense
The Caroline County Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,171,000 | 8,823 |
| Total interest expense | $973,000 | 8,762 |
| Net interest income | $1,198,000 | 8,683 |
| Provision for loan and lease losses | $-25,000 | 10,653 |
| Total noninterest income | $170,000 | 8,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 6,965 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,059 |
| Total noninterest expense | $769,000 | 9,151 |
| Salaries and employee benefits | $291,000 | 10,013 |
| Premises and equipment expense | $63,000 | 9,881 |
| Additional noninterest expense | $415,000 | 7,226 |
| Pre-tax net operating income | $624,000 | 7,311 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $208,000 | 6,773 |
| Income before extraordinary items | $416,000 | 7,533 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $416,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $416,000 | 7,476 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,128,000 | 9,199 |
| Total interest expense | $979,000 | 9,084 |
| Net interest income | $1,149,000 | 9,156 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $145,000 | 9,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 7,938 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,357 |
| Total noninterest expense | $771,000 | 9,543 |
| Salaries and employee benefits | $299,000 | 10,355 |
| Premises and equipment expense | $70,000 | 10,079 |
| Additional noninterest expense | $402,000 | 7,856 |
| Pre-tax net operating income | $523,000 | 7,806 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $175,000 | 7,516 |
| Income before extraordinary items | $348,000 | 8,019 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $348,000 | 8,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,644 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $348,000 | 7,962 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,247,000 | 9,338 |
| Total interest expense | $987,000 | 9,303 |
| Net interest income | $1,260,000 | 9,182 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $98,000 | 10,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 8,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,138 |
| Total noninterest expense | $636,000 | 10,426 |
| Salaries and employee benefits | $324,000 | 10,555 |
| Premises and equipment expense | $68,000 | 10,529 |
| Additional noninterest expense | $244,000 | 9,898 |
| Pre-tax net operating income | $722,000 | 7,210 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $240,000 | 6,788 |
| Income before extraordinary items | $482,000 | 7,386 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $482,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,712 |
| Cash dividends | $2,712,000 | 996 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $482,000 | 7,349 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,982,000 | 9,834 |
| Total interest expense | $795,000 | 9,631 |
| Net interest income | $1,187,000 | 9,791 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $73,000 | 11,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 9,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,366 |
| Total noninterest expense | $641,000 | 10,937 |
| Salaries and employee benefits | $350,000 | 10,739 |
| Premises and equipment expense | $76,000 | 10,773 |
| Additional noninterest expense | $215,000 | 10,959 |
| Pre-tax net operating income | $583,000 | 8,102 |
| Securities gains (losses) | $-46,000 | 10,966 |
| Applicable income taxes | $161,000 | 8,089 |
| Income before extraordinary items | $376,000 | 8,398 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $376,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $101,000 | 6,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $408,200 | 8,172 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,892,000 | 10,403 |
| Total interest expense | $716,000 | 10,494 |
| Net interest income | $1,176,000 | 10,145 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $69,000 | 12,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 9,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 12,477 |
| Total noninterest expense | $606,000 | 11,623 |
| Salaries and employee benefits | $328,000 | 11,374 |
| Premises and equipment expense | $67,000 | 11,617 |
| Additional noninterest expense | $211,000 | 11,579 |
| Pre-tax net operating income | $609,000 | 7,890 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $175,000 | 8,105 |
| Income before extraordinary items | $434,000 | 8,111 |
| Extraordinary gains, net | $78,000 | 1,813 |
| Net income | $512,000 | 7,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $170,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $434,000 | 7,839 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,071,000 | 10,751 |
| Total interest expense | $884,000 | 10,937 |
| Net interest income | $1,187,000 | 10,369 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $67,000 | 12,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 10,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 13,064 |
| Total noninterest expense | $582,000 | 12,168 |
| Salaries and employee benefits | $323,000 | 11,754 |
| Premises and equipment expense | $56,000 | 12,452 |
| Additional noninterest expense | $203,000 | 12,197 |
| Pre-tax net operating income | $642,000 | 7,441 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $191,000 | 7,734 |
| Income before extraordinary items | $451,000 | 7,726 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $451,000 | 7,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $153,000 | 5,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $451,000 | 7,372 |
* 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.