Home > The Commercial Bank of Roanoke, Alabama > Income and Expense
The Commercial Bank of Roanoke, Alabama, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,092,000 | 7,641 |
| Total interest expense | $1,302,000 | 7,840 |
| Net interest income | $1,790,000 | 7,344 |
| Provision for loan and lease losses | $401,000 | 2,086 |
| Total noninterest income | $219,000 | 7,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 5,524 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 9,280 |
| Total noninterest expense | $1,397,000 | 7,041 |
| Salaries and employee benefits | $811,000 | 6,726 |
| Premises and equipment expense | $140,000 | 8,021 |
| Additional noninterest expense | $446,000 | 6,960 |
| Pre-tax net operating income | $211,000 | 9,521 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $18,000 | 9,756 |
| Income before extraordinary items | $194,000 | 9,210 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $194,000 | 9,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,597 |
| Cash dividends | $120,000 | 6,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $193,080 | 9,177 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,050,000 | 7,933 |
| Total interest expense | $1,334,000 | 8,006 |
| Net interest income | $1,716,000 | 7,733 |
| Provision for loan and lease losses | $201,000 | 3,389 |
| Total noninterest income | $236,000 | 7,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,664 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,253 |
| Total noninterest expense | $1,354,000 | 7,502 |
| Salaries and employee benefits | $769,000 | 7,142 |
| Premises and equipment expense | $150,000 | 8,057 |
| Additional noninterest expense | $435,000 | 7,595 |
| Pre-tax net operating income | $397,000 | 8,524 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $87,000 | 8,980 |
| Income before extraordinary items | $311,000 | 8,331 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $311,000 | 8,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,837 |
| Cash dividends | $220,000 | 5,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $310,220 | 8,278 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,004,000 | 8,194 |
| Total interest expense | $1,389,000 | 8,005 |
| Net interest income | $1,615,000 | 8,225 |
| Provision for loan and lease losses | $33,000 | 6,978 |
| Total noninterest income | $208,000 | 8,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,200 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $1,331,000 | 7,790 |
| Salaries and employee benefits | $747,000 | 7,422 |
| Premises and equipment expense | $142,000 | 8,472 |
| Additional noninterest expense | $442,000 | 7,772 |
| Pre-tax net operating income | $459,000 | 8,696 |
| Securities gains (losses) | $-41,000 | 11,061 |
| Applicable income taxes | $119,000 | 8,810 |
| Income before extraordinary items | $299,000 | 8,955 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $299,000 | 8,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $360,000 | 4,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $328,520 | 8,647 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,742,000 | 8,475 |
| Total interest expense | $1,097,000 | 8,297 |
| Net interest income | $1,645,000 | 8,470 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $189,000 | 8,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $1,362,000 | 8,032 |
| Salaries and employee benefits | $716,000 | 7,760 |
| Premises and equipment expense | $159,000 | 8,320 |
| Additional noninterest expense | $487,000 | 7,978 |
| Pre-tax net operating income | $459,000 | 8,925 |
| Securities gains (losses) | $-9,000 | 9,765 |
| Applicable income taxes | $126,000 | 8,792 |
| Income before extraordinary items | $324,000 | 8,890 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $324,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $265,000 | 4,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $330,480 | 8,880 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,537,000 | 9,117 |
| Total interest expense | $1,020,000 | 9,014 |
| Net interest income | $1,517,000 | 9,051 |
| Provision for loan and lease losses | $41,000 | 7,900 |
| Total noninterest income | $182,000 | 9,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 7,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $1,293,000 | 8,536 |
| Salaries and employee benefits | $669,000 | 8,233 |
| Premises and equipment expense | $127,000 | 9,576 |
| Additional noninterest expense | $497,000 | 8,245 |
| Pre-tax net operating income | $365,000 | 9,689 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $69,000 | 10,505 |
| Income before extraordinary items | $303,000 | 9,453 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $303,000 | 9,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $270,000 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $297,330 | 9,249 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,826,000 | 9,274 |
| Total interest expense | $1,247,000 | 9,430 |
| Net interest income | $1,579,000 | 9,017 |
| Provision for loan and lease losses | $39,000 | 9,563 |
| Total noninterest income | $180,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 7,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,488 |
| Total noninterest expense | $1,248,000 | 8,850 |
| Salaries and employee benefits | $664,000 | 8,268 |
| Premises and equipment expense | $129,000 | 9,729 |
| Additional noninterest expense | $455,000 | 8,919 |
| Pre-tax net operating income | $472,000 | 8,619 |
| Securities gains (losses) | $30,000 | 4,989 |
| Applicable income taxes | $149,000 | 8,642 |
| Income before extraordinary items | $353,000 | 8,684 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $353,000 | 8,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $260,000 | 4,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $332,000 | 8,551 |
* 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.