Home > The Saluda County Bank > Income and Expense
The Saluda County Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,215,000 | 7,263 |
| Total interest expense | $1,575,000 | 7,031 |
| Net interest income | $1,640,000 | 7,392 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $258,000 | 6,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 5,980 |
| Total noninterest expense | $913,000 | 8,393 |
| Salaries and employee benefits | $347,000 | 9,310 |
| Premises and equipment expense | $133,000 | 8,008 |
| Additional noninterest expense | $433,000 | 6,952 |
| Pre-tax net operating income | $925,000 | 5,648 |
| Securities gains (losses) | $21,000 | 2,394 |
| Applicable income taxes | $327,000 | 4,944 |
| Income before extraordinary items | $619,000 | 5,967 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $619,000 | 5,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 10,041 |
| Cash dividends | $360,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $605,350 | 5,926 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,106,000 | 7,627 |
| Total interest expense | $1,447,000 | 7,474 |
| Net interest income | $1,659,000 | 7,639 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $195,000 | 7,906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,171 |
| Total noninterest expense | $864,000 | 8,804 |
| Salaries and employee benefits | $328,000 | 9,750 |
| Premises and equipment expense | $137,000 | 8,082 |
| Additional noninterest expense | $399,000 | 7,363 |
| Pre-tax net operating income | $975,000 | 5,910 |
| Securities gains (losses) | $-6,000 | 9,765 |
| Applicable income taxes | $333,000 | 5,448 |
| Income before extraordinary items | $636,000 | 6,184 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $636,000 | 6,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $325,000 | 4,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $639,960 | 6,115 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,185,000 | 7,758 |
| Total interest expense | $1,746,000 | 6,966 |
| Net interest income | $1,439,000 | 8,414 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $159,000 | 8,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 6,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $813,000 | 9,382 |
| Salaries and employee benefits | $367,000 | 9,841 |
| Premises and equipment expense | $128,000 | 8,584 |
| Additional noninterest expense | $318,000 | 8,690 |
| Pre-tax net operating income | $755,000 | 6,680 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $257,000 | 6,358 |
| Income before extraordinary items | $498,000 | 6,917 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $498,000 | 6,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,189 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $498,000 | 6,852 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,848,000 | 8,437 |
| Total interest expense | $1,432,000 | 7,885 |
| Net interest income | $1,416,000 | 8,752 |
| Provision for loan and lease losses | $67,000 | 5,503 |
| Total noninterest income | $139,000 | 9,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,402 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,706 |
| Total noninterest expense | $837,000 | 9,615 |
| Salaries and employee benefits | $358,000 | 10,273 |
| Premises and equipment expense | $37,000 | 11,447 |
| Additional noninterest expense | $442,000 | 7,772 |
| Pre-tax net operating income | $651,000 | 7,586 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $221,000 | 7,081 |
| Income before extraordinary items | $432,000 | 7,795 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $432,000 | 7,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $430,680 | 7,772 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,393,000 | 9,106 |
| Total interest expense | $990,000 | 8,734 |
| Net interest income | $1,403,000 | 9,138 |
| Provision for loan and lease losses | $185,000 | 3,163 |
| Total noninterest income | $162,000 | 9,470 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,840 |
| Total noninterest expense | $862,000 | 9,938 |
| Salaries and employee benefits | $287,000 | 11,330 |
| Premises and equipment expense | $38,000 | 12,035 |
| Additional noninterest expense | $537,000 | 7,545 |
| Pre-tax net operating income | $518,000 | 8,535 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $178,000 | 7,747 |
| Income before extraordinary items | $340,000 | 8,721 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $340,000 | 8,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,044 |
| Cash dividends | $68,000 | 7,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $340,000 | 8,787 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,493,000 | 9,198 |
| Total interest expense | $1,157,000 | 8,449 |
| Net interest income | $1,336,000 | 9,626 |
| Provision for loan and lease losses | $505,000 | 2,069 |
| Total noninterest income | $186,000 | 9,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $931,000 | 10,049 |
| Salaries and employee benefits | $291,000 | 11,757 |
| Premises and equipment expense | $150,000 | 8,908 |
| Additional noninterest expense | $490,000 | 8,325 |
| Pre-tax net operating income | $86,000 | 11,955 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $92,000 | 11,876 |
| Extraordinary gains, net | $87,000 | 1,703 |
| Net income | $179,000 | 10,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,867 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $86,000 | 11,759 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,539,000 | 9,837 |
| Total interest expense | $1,503,000 | 8,498 |
| Net interest income | $1,036,000 | 10,955 |
| Provision for loan and lease losses | $447,000 | 3,235 |
| Total noninterest income | $154,000 | 10,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 12,470 |
| Total noninterest expense | $816,000 | 10,931 |
| Salaries and employee benefits | $281,000 | 12,237 |
| Premises and equipment expense | $159,000 | 8,856 |
| Additional noninterest expense | $376,000 | 9,860 |
| Pre-tax net operating income | $-73,000 | 12,898 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-73,000 | 13,025 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-73,000 | 13,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 2,619 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-73,000 | 12,862 |
* 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.