Home > The Delaware County Bank > Income and Expense
The Delaware County Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $681,000 | 9,859 |
| Total interest expense | $303,000 | 9,793 |
| Net interest income | $378,000 | 9,853 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $95,000 | 8,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,750 |
| Total noninterest expense | $398,000 | 9,880 |
| Salaries and employee benefits | $166,000 | 10,008 |
| Premises and equipment expense | $60,000 | 9,430 |
| Additional noninterest expense | $172,000 | 9,313 |
| Pre-tax net operating income | $15,000 | 9,350 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $15,000 | 9,392 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $15,000 | 9,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $7,000 | 7,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $15,000 | 9,359 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,260,000 | 8,365 |
| Total interest expense | $1,112,000 | 8,127 |
| Net interest income | $1,148,000 | 8,456 |
| Provision for loan and lease losses | $325,000 | 2,434 |
| Total noninterest income | $307,000 | 6,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 4,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,875 |
| Total noninterest expense | $1,233,000 | 7,449 |
| Salaries and employee benefits | $560,000 | 7,983 |
| Premises and equipment expense | $206,000 | 6,617 |
| Additional noninterest expense | $467,000 | 6,673 |
| Pre-tax net operating income | $-103,000 | 9,916 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-94,000 | 9,953 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-94,000 | 9,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,940 |
| Cash dividends | $85,000 | 6,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-103,000 | 9,924 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,695,000 | 8,132 |
| Total interest expense | $1,308,000 | 7,827 |
| Net interest income | $1,387,000 | 8,265 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $336,000 | 6,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $233,000 | 4,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,713 |
| Total noninterest expense | $1,240,000 | 7,531 |
| Salaries and employee benefits | $597,000 | 7,937 |
| Premises and equipment expense | $208,000 | 6,702 |
| Additional noninterest expense | $435,000 | 7,058 |
| Pre-tax net operating income | $423,000 | 8,324 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $423,000 | 7,491 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $423,000 | 7,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,716 |
| Cash dividends | $405,000 | 3,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $423,000 | 7,439 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,671,000 | 8,469 |
| Total interest expense | $1,246,000 | 8,252 |
| Net interest income | $1,425,000 | 8,452 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $347,000 | 6,469 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,486 |
| Total noninterest expense | $1,202,000 | 7,979 |
| Salaries and employee benefits | $563,000 | 8,386 |
| Premises and equipment expense | $181,000 | 7,400 |
| Additional noninterest expense | $458,000 | 7,398 |
| Pre-tax net operating income | $525,000 | 7,799 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $131,000 | 8,193 |
| Income before extraordinary items | $394,000 | 7,671 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $394,000 | 7,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $388,000 | 3,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $394,000 | 7,609 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 8,645 |
| Total interest expense | $1,210,000 | 8,560 |
| Net interest income | $1,482,000 | 8,583 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $320,000 | 6,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 4,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,234 |
| Total noninterest expense | $1,150,000 | 8,389 |
| Salaries and employee benefits | $535,000 | 8,818 |
| Premises and equipment expense | $172,000 | 7,765 |
| Additional noninterest expense | $443,000 | 7,765 |
| Pre-tax net operating income | $562,000 | 8,104 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $144,000 | 8,373 |
| Income before extraordinary items | $416,000 | 7,914 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $416,000 | 7,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $310,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $417,480 | 7,873 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,049,000 | 9,714 |
| Total interest expense | $692,000 | 10,138 |
| Net interest income | $1,357,000 | 9,290 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $303,000 | 7,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,744 |
| Total noninterest expense | $1,061,000 | 9,124 |
| Salaries and employee benefits | $495,000 | 9,435 |
| Premises and equipment expense | $95,000 | 10,179 |
| Additional noninterest expense | $471,000 | 8,140 |
| Pre-tax net operating income | $599,000 | 8,003 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $159,000 | 8,133 |
| Income before extraordinary items | $440,000 | 7,808 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $440,000 | 7,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,521 |
| Cash dividends | $430,000 | 3,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $440,000 | 7,859 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,903,000 | 10,383 |
| Total interest expense | $547,000 | 11,434 |
| Net interest income | $1,356,000 | 9,557 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $232,000 | 8,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 6,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,262 |
| Total noninterest expense | $971,000 | 9,860 |
| Salaries and employee benefits | $461,000 | 10,029 |
| Premises and equipment expense | $115,000 | 9,950 |
| Additional noninterest expense | $395,000 | 9,316 |
| Pre-tax net operating income | $617,000 | 7,840 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $169,000 | 8,222 |
| Income before extraordinary items | $448,000 | 7,990 |
| Extraordinary gains, net | $-60,000 | 12,774 |
| Net income | $388,000 | 8,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $376,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $448,000 | 7,727 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,015,000 | 10,866 |
| Total interest expense | $677,000 | 11,941 |
| Net interest income | $1,338,000 | 9,854 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $207,000 | 9,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,672 |
| Total noninterest expense | $965,000 | 10,141 |
| Salaries and employee benefits | $470,000 | 10,086 |
| Premises and equipment expense | $109,000 | 10,409 |
| Additional noninterest expense | $386,000 | 9,740 |
| Pre-tax net operating income | $580,000 | 7,864 |
| Securities gains (losses) | $50,000 | 4,121 |
| Applicable income taxes | $239,000 | 6,848 |
| Income before extraordinary items | $391,000 | 8,309 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $391,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 10,059 |
| Cash dividends | $385,000 | 3,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $359,000 | 8,260 |
* 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.