Home > The Country Bank > Income and Expense
The Country Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,124,000 | 7,601 |
| Total interest expense | $1,241,000 | 8,002 |
| Net interest income | $1,883,000 | 7,165 |
| Provision for loan and lease losses | $431,000 | 1,983 |
| Total noninterest income | $668,000 | 4,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $613,000 | 2,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,220 |
| Total noninterest expense | $1,877,000 | 5,906 |
| Salaries and employee benefits | $755,000 | 6,995 |
| Premises and equipment expense | $247,000 | 6,101 |
| Additional noninterest expense | $875,000 | 4,419 |
| Pre-tax net operating income | $243,000 | 9,332 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $67,000 | 8,963 |
| Income before extraordinary items | $176,000 | 9,365 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $176,000 | 9,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 1,667 |
| Cash dividends | $383,000 | 4,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $176,000 | 9,317 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,024,000 | 7,962 |
| Total interest expense | $1,270,000 | 8,190 |
| Net interest income | $1,754,000 | 7,655 |
| Provision for loan and lease losses | $235,000 | 3,076 |
| Total noninterest income | $672,000 | 4,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $602,000 | 2,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $1,590,000 | 6,869 |
| Salaries and employee benefits | $780,000 | 7,082 |
| Premises and equipment expense | $166,000 | 7,709 |
| Additional noninterest expense | $644,000 | 6,074 |
| Pre-tax net operating income | $601,000 | 7,412 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $185,000 | 7,367 |
| Income before extraordinary items | $416,000 | 7,489 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $416,000 | 7,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 3,019 |
| Cash dividends | $199,000 | 5,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $416,000 | 7,434 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,884,000 | 8,395 |
| Total interest expense | $1,163,000 | 8,707 |
| Net interest income | $1,721,000 | 7,963 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $622,000 | 4,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $549,000 | 2,459 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,234 |
| Total noninterest expense | $1,501,000 | 7,272 |
| Salaries and employee benefits | $693,000 | 7,757 |
| Premises and equipment expense | $142,000 | 8,472 |
| Additional noninterest expense | $666,000 | 6,084 |
| Pre-tax net operating income | $667,000 | 7,493 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $200,000 | 7,408 |
| Income before extraordinary items | $467,000 | 7,504 |
| Extraordinary gains, net | $-17,000 | 11,923 |
| Net income | $450,000 | 7,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,068 |
| Cash dividends | $219,000 | 5,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $467,000 | 7,471 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,376,000 | 9,127 |
| Total interest expense | $817,000 | 9,510 |
| Net interest income | $1,559,000 | 8,702 |
| Provision for loan and lease losses | $163,000 | 3,436 |
| Total noninterest income | $559,000 | 4,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $480,000 | 2,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $1,391,000 | 7,940 |
| Salaries and employee benefits | $639,000 | 8,349 |
| Premises and equipment expense | $160,000 | 8,293 |
| Additional noninterest expense | $592,000 | 7,091 |
| Pre-tax net operating income | $564,000 | 8,220 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $169,000 | 7,945 |
| Income before extraordinary items | $395,000 | 8,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $395,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,137 |
| Cash dividends | $155,000 | 6,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $395,000 | 8,281 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 9,664 |
| Total interest expense | $1,155,000 | 8,461 |
| Net interest income | $1,102,000 | 10,400 |
| Provision for loan and lease losses | $111,000 | 5,491 |
| Total noninterest income | $400,000 | 6,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 4,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,213 |
| Total noninterest expense | $1,189,000 | 8,934 |
| Salaries and employee benefits | $527,000 | 9,404 |
| Premises and equipment expense | $118,000 | 9,857 |
| Additional noninterest expense | $544,000 | 7,823 |
| Pre-tax net operating income | $202,000 | 11,018 |
| Securities gains (losses) | $89,000 | 2,664 |
| Applicable income taxes | $74,000 | 10,356 |
| Income before extraordinary items | $217,000 | 10,453 |
| Extraordinary gains, net | $8,000 | 2,989 |
| Net income | $225,000 | 10,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 4,228 |
| Cash dividends | $130,000 | 6,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $150,250 | 10,994 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,583,000 | 9,755 |
| Total interest expense | $1,537,000 | 8,403 |
| Net interest income | $1,046,000 | 10,910 |
| Provision for loan and lease losses | $98,000 | 7,351 |
| Total noninterest income | $372,000 | 6,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 8,327 |
| Total noninterest expense | $1,002,000 | 9,970 |
| Salaries and employee benefits | $426,000 | 10,562 |
| Premises and equipment expense | $71,000 | 11,832 |
| Additional noninterest expense | $505,000 | 8,407 |
| Pre-tax net operating income | $318,000 | 9,959 |
| Securities gains (losses) | $110,000 | 2,851 |
| Applicable income taxes | $130,000 | 9,108 |
| Income before extraordinary items | $298,000 | 9,359 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $298,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 8,210 |
| Cash dividends | $131,000 | 6,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $221,000 | 9,962 |
* 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.