Home > The Scott County Bank > Income and Expense
The Scott County Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,153,000 | 4,862 |
| Total interest expense | $3,138,000 | 4,433 |
| Net interest income | $3,015,000 | 5,142 |
| Provision for loan and lease losses | $148,000 | 4,314 |
| Total noninterest income | $440,000 | 5,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,290 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,301 |
| Total noninterest expense | $2,004,000 | 5,674 |
| Salaries and employee benefits | $908,000 | 6,262 |
| Premises and equipment expense | $387,000 | 4,650 |
| Additional noninterest expense | $709,000 | 5,201 |
| Pre-tax net operating income | $1,303,000 | 4,508 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $363,000 | 4,394 |
| Income before extraordinary items | $940,000 | 4,614 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $940,000 | 4,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,636 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $940,000 | 4,577 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,373,000 | 4,774 |
| Total interest expense | $3,459,000 | 4,180 |
| Net interest income | $2,914,000 | 5,241 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $398,000 | 5,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 3,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 6,846 |
| Total noninterest expense | $2,017,000 | 5,560 |
| Salaries and employee benefits | $928,000 | 6,078 |
| Premises and equipment expense | $268,000 | 5,724 |
| Additional noninterest expense | $821,000 | 4,595 |
| Pre-tax net operating income | $1,255,000 | 4,743 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $368,000 | 4,637 |
| Income before extraordinary items | $890,000 | 4,868 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $890,000 | 4,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,532 |
| Cash dividends | $1,000,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $887,870 | 4,778 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,919,000 | 5,122 |
| Total interest expense | $3,054,000 | 4,641 |
| Net interest income | $2,865,000 | 5,490 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $454,000 | 5,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 3,852 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,052 |
| Total noninterest expense | $1,633,000 | 6,458 |
| Salaries and employee benefits | $791,000 | 6,833 |
| Premises and equipment expense | $230,000 | 6,349 |
| Additional noninterest expense | $612,000 | 5,733 |
| Pre-tax net operating income | $1,686,000 | 4,062 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $555,000 | 3,910 |
| Income before extraordinary items | $1,131,000 | 4,263 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,131,000 | 4,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,725 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,131,000 | 4,200 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,430,000 | 5,585 |
| Total interest expense | $2,884,000 | 4,958 |
| Net interest income | $2,546,000 | 6,120 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $268,000 | 7,345 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,550 |
| Total noninterest expense | $1,345,000 | 7,530 |
| Salaries and employee benefits | $691,000 | 7,592 |
| Premises and equipment expense | $169,000 | 7,642 |
| Additional noninterest expense | $485,000 | 7,178 |
| Pre-tax net operating income | $1,469,000 | 4,415 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $449,000 | 4,511 |
| Income before extraordinary items | $1,020,000 | 4,416 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,020,000 | 4,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-203,000 | 11,337 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,020,000 | 4,359 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,759,000 | 6,195 |
| Total interest expense | $2,595,000 | 5,402 |
| Net interest income | $2,164,000 | 6,947 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $232,000 | 7,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,982 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,325 |
| Total noninterest expense | $1,267,000 | 7,960 |
| Salaries and employee benefits | $629,000 | 8,195 |
| Premises and equipment expense | $265,000 | 6,131 |
| Additional noninterest expense | $373,000 | 8,468 |
| Pre-tax net operating income | $1,099,000 | 5,604 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $310,000 | 5,878 |
| Income before extraordinary items | $789,000 | 5,498 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $789,000 | 5,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $789,000 | 5,480 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,500,000 | 7,322 |
| Total interest expense | $1,568,000 | 6,690 |
| Net interest income | $1,932,000 | 7,721 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $233,000 | 8,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 6,941 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,203,000 | 8,590 |
| Salaries and employee benefits | $572,000 | 8,808 |
| Premises and equipment expense | $205,000 | 7,319 |
| Additional noninterest expense | $426,000 | 8,568 |
| Pre-tax net operating income | $942,000 | 6,205 |
| Securities gains (losses) | $-64,000 | 11,223 |
| Applicable income taxes | $223,000 | 6,971 |
| Income before extraordinary items | $655,000 | 6,186 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $655,000 | 6,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 11,034 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $703,000 | 5,948 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,133,000 | 8,119 |
| Total interest expense | $1,302,000 | 7,877 |
| Net interest income | $1,831,000 | 8,161 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $206,000 | 9,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 7,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $1,105,000 | 9,311 |
| Salaries and employee benefits | $509,000 | 9,584 |
| Premises and equipment expense | $189,000 | 7,917 |
| Additional noninterest expense | $407,000 | 9,191 |
| Pre-tax net operating income | $912,000 | 6,294 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $235,000 | 7,015 |
| Income before extraordinary items | $677,000 | 6,253 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $677,000 | 6,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-135,000 | 13,021 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $677,000 | 6,013 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,300,000 | 8,470 |
| Total interest expense | $1,582,000 | 8,267 |
| Net interest income | $1,718,000 | 8,597 |
| Provision for loan and lease losses | $70,000 | 8,246 |
| Total noninterest income | $218,000 | 9,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,401 |
| Total noninterest expense | $1,133,000 | 9,353 |
| Salaries and employee benefits | $433,000 | 10,482 |
| Premises and equipment expense | $145,000 | 9,267 |
| Additional noninterest expense | $555,000 | 7,934 |
| Pre-tax net operating income | $733,000 | 6,927 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $150,000 | 8,614 |
| Income before extraordinary items | $583,000 | 6,679 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $583,000 | 6,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 13,477 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $583,000 | 6,329 |
* 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.