Home > The Home Bank > Income and Expense
The Home Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,234,000 | 2,291 |
| Total interest expense | $6,192,000 | 2,444 |
| Net interest income | $8,042,000 | 2,121 |
| Provision for loan and lease losses | $1,066,000 | 918 |
| Total noninterest income | $1,380,000 | 2,419 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $771,000 | 1,647 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $609,000 | 2,623 |
| Total noninterest expense | $5,654,000 | 2,314 |
| Salaries and employee benefits | $2,928,000 | 2,302 |
| Premises and equipment expense | $583,000 | 3,251 |
| Additional noninterest expense | $2,143,000 | 1,977 |
| Pre-tax net operating income | $2,702,000 | 2,608 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $893,000 | 2,510 |
| Income before extraordinary items | $1,809,000 | 2,783 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,809,000 | 2,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $850,000 | 856 |
| Cash dividends | $960,000 | 2,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,809,000 | 2,705 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,918,000 | 2,351 |
| Total interest expense | $5,537,000 | 2,699 |
| Net interest income | $8,381,000 | 2,081 |
| Provision for loan and lease losses | $909,000 | 1,069 |
| Total noninterest income | $1,165,000 | 2,699 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $660,000 | 1,987 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $505,000 | 2,804 |
| Total noninterest expense | $5,237,000 | 2,463 |
| Salaries and employee benefits | $2,792,000 | 2,380 |
| Premises and equipment expense | $475,000 | 3,879 |
| Additional noninterest expense | $1,970,000 | 2,120 |
| Pre-tax net operating income | $3,400,000 | 2,219 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,147,000 | 2,176 |
| Income before extraordinary items | $2,253,000 | 2,331 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,253,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $998,000 | 809 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,253,000 | 2,274 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,937,000 | 2,586 |
| Total interest expense | $5,285,000 | 2,866 |
| Net interest income | $7,652,000 | 2,358 |
| Provision for loan and lease losses | $675,000 | 1,362 |
| Total noninterest income | $1,259,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $642,000 | 2,102 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $617,000 | 2,520 |
| Total noninterest expense | $4,625,000 | 2,943 |
| Salaries and employee benefits | $2,539,000 | 2,645 |
| Premises and equipment expense | $370,000 | 4,833 |
| Additional noninterest expense | $1,716,000 | 2,795 |
| Pre-tax net operating income | $3,611,000 | 1,998 |
| Securities gains (losses) | $-28,000 | 10,807 |
| Applicable income taxes | $1,096,000 | 2,163 |
| Income before extraordinary items | $2,487,000 | 1,991 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,487,000 | 1,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $602,000 | 1,242 |
| Cash dividends | $1,098,000 | 2,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,506,320 | 1,934 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,387,000 | 3,195 |
| Total interest expense | $4,263,000 | 3,489 |
| Net interest income | $6,124,000 | 2,902 |
| Provision for loan and lease losses | $734,000 | 1,186 |
| Total noninterest income | $1,235,000 | 2,652 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $468,000 | 2,903 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $767,000 | 2,175 |
| Total noninterest expense | $3,884,000 | 3,422 |
| Salaries and employee benefits | $2,069,000 | 3,205 |
| Premises and equipment expense | $331,000 | 5,238 |
| Additional noninterest expense | $1,484,000 | 3,112 |
| Pre-tax net operating income | $2,741,000 | 2,627 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $925,000 | 2,543 |
| Income before extraordinary items | $1,816,000 | 2,716 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,816,000 | 2,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $773,000 | 1,054 |
| Cash dividends | $680,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,816,000 | 2,687 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,326,000 | 4,057 |
| Total interest expense | $2,478,000 | 4,696 |
| Net interest income | $4,848,000 | 3,663 |
| Provision for loan and lease losses | $437,000 | 1,705 |
| Total noninterest income | $722,000 | 4,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $368,000 | 3,589 |
| Total noninterest expense | $3,006,000 | 4,399 |
| Salaries and employee benefits | $1,610,000 | 4,012 |
| Premises and equipment expense | $272,000 | 6,144 |
| Additional noninterest expense | $1,124,000 | 4,291 |
| Pre-tax net operating income | $2,127,000 | 3,257 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $722,000 | 3,022 |
| Income before extraordinary items | $1,407,000 | 3,355 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,407,000 | 3,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 1,752 |
| Cash dividends | $433,000 | 3,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,405,680 | 3,382 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,595,000 | 4,559 |
| Total interest expense | $2,237,000 | 5,298 |
| Net interest income | $4,358,000 | 4,072 |
| Provision for loan and lease losses | $489,000 | 2,140 |
| Total noninterest income | $747,000 | 4,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $367,000 | 3,975 |
| Total noninterest expense | $3,006,000 | 4,500 |
| Salaries and employee benefits | $1,460,000 | 4,380 |
| Premises and equipment expense | $337,000 | 5,376 |
| Additional noninterest expense | $1,209,000 | 4,168 |
| Pre-tax net operating income | $1,610,000 | 4,071 |
| Securities gains (losses) | $106,000 | 2,422 |
| Applicable income taxes | $605,000 | 3,574 |
| Income before extraordinary items | $1,111,000 | 4,289 |
| Extraordinary gains, net | $80,000 | 1,785 |
| Net income | $1,191,000 | 4,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,488 |
| Cash dividends | $433,000 | 3,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,042,100 | 4,303 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,566,000 | 5,102 |
| Total interest expense | $2,672,000 | 5,686 |
| Net interest income | $3,894,000 | 4,556 |
| Provision for loan and lease losses | $595,000 | 2,655 |
| Total noninterest income | $649,000 | 4,683 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,957 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $303,000 | 4,397 |
| Total noninterest expense | $2,616,000 | 5,097 |
| Salaries and employee benefits | $1,299,000 | 4,826 |
| Premises and equipment expense | $278,000 | 6,313 |
| Additional noninterest expense | $1,039,000 | 4,896 |
| Pre-tax net operating income | $1,332,000 | 4,520 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $453,000 | 4,342 |
| Income before extraordinary items | $879,000 | 5,007 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $879,000 | 5,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 3,114 |
| Cash dividends | $142,000 | 5,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $879,000 | 4,708 |
* 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.