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Town & Country Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$4,143,0006,236
Total interest expense$2,100,0005,811
Net interest income$2,043,0006,567
Provision for loan and lease losses$61,0006,111
Total noninterest income$376,0005,789
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$254,0004,479
Trading account gains and feesNANA
Additional Noninterest Income$122,0006,135
Total noninterest expense$1,851,0005,982
Salaries and employee benefits$1,100,0005,499
Premises and equipment expense$331,0005,158
Additional noninterest expense$420,0007,113
Pre-tax net operating income$507,0007,108
Securities gains (losses)$03,155
Applicable income taxes$126,0006,567
Income before extraordinary items$381,0007,089
Extraordinary gains, net$035
Net income$381,0007,090
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$-13,00010,061
Net operating income$381,0007,062
1998-12-31 (YTD Data)Rank
Total interest income$3,391,0007,077
Total interest expense$1,717,0006,730
Net interest income$1,674,0007,339
Provision for loan and lease losses$70,0005,864
Total noninterest income$271,0006,761
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$215,0004,944
Trading account gains and feesNANA
Additional Noninterest Income$56,0007,951
Total noninterest expense$1,285,0007,295
Salaries and employee benefits$737,0006,992
Premises and equipment expense$218,0006,462
Additional noninterest expense$330,0007,843
Pre-tax net operating income$590,0006,973
Securities gains (losses)$7,0003,223
Applicable income taxes$226,0005,875
Income before extraordinary items$371,0007,405
Extraordinary gains, net$032
Net income$371,0007,404
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,450
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$-157,00010,349
Net operating income$366,5207,357
1997-12-31 (YTD Data)Rank
Total interest income$2,752,0008,066
Total interest expense$1,218,0008,064
Net interest income$1,534,0007,904
Provision for loan and lease losses$40,0007,002
Total noninterest income$227,0007,501
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$164,0005,915
Trading account gains and feesNANA
Additional Noninterest Income$63,0007,914
Total noninterest expense$1,222,0007,592
Salaries and employee benefits$641,0007,655
Premises and equipment expense$239,0006,223
Additional noninterest expense$342,0007,882
Pre-tax net operating income$499,0007,919
Securities gains (losses)$-6,0009,765
Applicable income taxes$193,0006,975
Income before extraordinary items$300,0008,376
Extraordinary gains, net$044
Net income$300,0008,378
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0003,945
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$303,8408,304
1996-12-31 (YTD Data)Rank
Total interest income$2,340,0008,920
Total interest expense$1,011,0008,966
Net interest income$1,329,0008,690
Provision for loan and lease losses$122,0004,550
Total noninterest income$161,0008,831
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$119,0007,081
Trading account gains and feesNANA
Additional Noninterest Income$42,0009,253
Total noninterest expense$1,231,0007,898
Salaries and employee benefits$655,0007,815
Premises and equipment expense$211,0006,844
Additional noninterest expense$365,0008,207
Pre-tax net operating income$137,00010,160
Securities gains (losses)$-6,00010,029
Applicable income taxes$59,0009,531
Income before extraordinary items$72,00010,436
Extraordinary gains, net$053
Net income$72,00010,435
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,880
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$75,84010,373
1995-12-31 (YTD Data)Rank
Total interest income$2,061,0009,614
Total interest expense$825,0009,862
Net interest income$1,236,0009,237
Provision for loan and lease losses$08,958
Total noninterest income$125,0009,756
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0008,082
Trading account gains and feesNANA
Additional Noninterest Income$37,0009,867
Total noninterest expense$956,0009,144
Salaries and employee benefits$496,0009,148
Premises and equipment expense$127,0008,867
Additional noninterest expense$333,0008,883
Pre-tax net operating income$405,0009,037
Securities gains (losses)$-14,00010,322
Applicable income taxes$149,0008,282
Income before extraordinary items$242,0009,485
Extraordinary gains, net$065
Net income$242,0009,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0009,816
Cash dividends$270,0004,792
Sale, conversion, retirement of capital stock, net$0809
Net operating income$250,9609,390
1994-12-31 (YTD Data)Rank
Total interest income$1,793,00010,184
Total interest expense$693,00010,131
Net interest income$1,100,00010,067
Provision for loan and lease losses$09,146
Total noninterest income$114,00010,428
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$81,0008,649
Trading account gains and feesNANA
Additional Noninterest Income$33,00010,596
Total noninterest expense$741,00010,518
Salaries and employee benefits$386,00010,410
Premises and equipment expense$106,0009,833
Additional noninterest expense$249,00010,538
Pre-tax net operating income$473,0008,842
Securities gains (losses)$9,0002,280
Applicable income taxes$212,0007,149
Income before extraordinary items$270,0009,489
Extraordinary gains, net$0249
Net income$270,0009,496
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,944
Cash dividends$300,0004,418
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$264,2409,607
1993-12-31 (YTD Data)Rank
Total interest income$1,795,00010,598
Total interest expense$760,00010,255
Net interest income$1,035,00010,658
Provision for loan and lease losses$010,371
Total noninterest income$116,00010,933
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$83,0008,912
Trading account gains and feesNANA
Additional Noninterest Income$33,00011,102
Total noninterest expense$749,00010,928
Salaries and employee benefits$395,00010,690
Premises and equipment expense$108,00010,198
Additional noninterest expense$246,00011,132
Pre-tax net operating income$402,0009,396
Securities gains (losses)$07,477
Applicable income taxes$148,0008,695
Income before extraordinary items$254,0009,996
Extraordinary gains, net$519,000450
Net income$773,0005,851
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,00011,674
Cash dividends$270,0004,670
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$254,0009,744
1992-12-31 (YTD Data)Rank
Total interest income$2,095,00010,708
Total interest expense$1,026,00010,282
Net interest income$1,069,00010,820
Provision for loan and lease losses$011,756
Total noninterest income$122,00011,132
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$84,0009,029
Trading account gains and feesNANA
Additional Noninterest Income$38,00011,181
Total noninterest expense$776,00011,118
Salaries and employee benefits$398,00010,886
Premises and equipment expense$103,00010,619
Additional noninterest expense$275,00011,200
Pre-tax net operating income$415,0009,112
Securities gains (losses)$37,0004,622
Applicable income taxes$182,0007,938
Income before extraordinary items$270,0009,680
Extraordinary gains, net$140,000586
Net income$410,0008,234
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,00012,286
Cash dividends$180,0005,316
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$246,3209,599

* 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.