Home > American Horizons Bank > Income and Expense

American Horizons Bank, Income and Expense

2004-12-31 (YTD Data)Rank
Total interest income$15,474,0001,845
Total interest expense$3,985,0002,044
Net interest income$11,489,0001,754
Provision for loan and lease losses$1,379,000786
Total noninterest income$3,949,0001,287
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$2,939,000588
Trading account gains and fees$0138
Additional Noninterest Income$1,010,0002,131
Total noninterest expense$9,412,0001,719
Salaries and employee benefits$5,375,0001,632
Premises and equipment expense$1,717,0001,347
Additional noninterest expense$2,320,0002,095
Pre-tax net operating income$4,647,0001,806
Securities gains (losses)$1,0003,645
Applicable income taxes$1,580,0001,543
Income before extraordinary items$3,068,0002,037
Extraordinary gains, net$034
Net income$3,068,0002,038
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$885,000864
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$3,067,3401,990
2004-09-30 (YTD Data)Rank
Total interest income$11,582,0001,839
Total interest expense$3,010,0001,993
Net interest income$8,572,0001,752
Provision for loan and lease losses$1,004,000771
Total noninterest income$3,098,0001,270
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$2,165,000608
Trading account gains and fees$0134
Additional Noninterest Income$933,0001,859
Total noninterest expense$6,956,0001,734
Salaries and employee benefits$3,671,0001,784
Premises and equipment expense$1,183,0001,458
Additional noninterest expense$2,102,0001,712
Pre-tax net operating income$3,710,0001,730
Securities gains (losses)$1,0003,538
Applicable income taxes$1,262,0001,482
Income before extraordinary items$2,449,0001,938
Extraordinary gains, net$026
Net income$2,449,0001,939
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$689,000747
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,448,3401,887
2004-06-30 (YTD Data)Rank
Total interest income$7,629,0001,837
Total interest expense$1,971,0001,998
Net interest income$5,658,0001,765
Provision for loan and lease losses$629,000801
Total noninterest income$2,210,0001,189
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$1,395,000626
Trading account gains and fees$0130
Additional Noninterest Income$815,0001,532
Total noninterest expense$4,632,0001,730
Salaries and employee benefits$2,431,0001,803
Premises and equipment expense$786,0001,469
Additional noninterest expense$1,415,0001,689
Pre-tax net operating income$2,607,0001,614
Securities gains (losses)$1,0003,212
Applicable income taxes$887,0001,415
Income before extraordinary items$1,721,0001,834
Extraordinary gains, net$021
Net income$1,721,0001,835
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$638,000589
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,720,3401,784
2004-03-31 (YTD Data)Rank
Total interest income$3,781,0001,860
Total interest expense$967,0002,067
Net interest income$2,814,0001,765
Provision for loan and lease losses$262,000912
Total noninterest income$749,0001,573
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$669,000640
Trading account gains and fees$0121
Additional Noninterest Income$80,0004,184
Total noninterest expense$2,361,0001,720
Salaries and employee benefits$1,233,0001,796
Premises and equipment expense$386,0001,521
Additional noninterest expense$742,0001,608
Pre-tax net operating income$940,0002,122
Securities gains (losses)$02,934
Applicable income taxes$317,0001,842
Income before extraordinary items$623,0002,406
Extraordinary gains, net$016
Net income$623,0002,407
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$276,000651
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$623,0002,321
2003-12-31 (YTD Data)Rank
Total interest income$15,307,0001,854
Total interest expense$4,213,0002,112
Net interest income$11,094,0001,756
Provision for loan and lease losses$990,0001,199
Total noninterest income$2,964,0001,708
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$2,571,000670
Trading account gains and fees$0160
Additional Noninterest Income$393,0004,013
Total noninterest expense$9,495,0001,683
Salaries and employee benefits$5,341,0001,620
Premises and equipment expense$1,619,0001,404
Additional noninterest expense$2,535,0001,899
Pre-tax net operating income$3,573,0002,179
Securities gains (losses)$4,0003,987
Applicable income taxes$1,148,0001,991
Income before extraordinary items$2,429,0002,422
Extraordinary gains, net$054
Net income$2,429,0002,425
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$604,0001,385
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,426,2802,319
2003-09-30 (YTD Data)Rank
Total interest income$11,429,0001,895
Total interest expense$3,216,0002,160
Net interest income$8,213,0001,785
Provision for loan and lease losses$745,0001,155
Total noninterest income$2,170,0001,786
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,882,000693
Trading account gains and fees$0153
Additional Noninterest Income$288,0004,110
Total noninterest expense$6,821,0001,756
Salaries and employee benefits$3,690,0001,756
Premises and equipment expense$1,234,0001,393
Additional noninterest expense$1,897,0001,889
Pre-tax net operating income$2,817,0002,147
Securities gains (losses)$2,0003,872
Applicable income taxes$1,037,0001,804
Income before extraordinary items$1,782,0002,587
Extraordinary gains, net$040
Net income$1,782,0002,585
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$383,0001,436
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,780,7202,460
2003-06-30 (YTD Data)Rank
Total interest income$7,526,0001,932
Total interest expense$2,174,0002,194
Net interest income$5,352,0001,821
Provision for loan and lease losses$470,0001,215
Total noninterest income$1,400,0001,820
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$1,216,000702
Trading account gains and fees$0150
Additional Noninterest Income$184,0004,181
Total noninterest expense$4,477,0001,768
Salaries and employee benefits$2,436,0001,764
Premises and equipment expense$824,0001,397
Additional noninterest expense$1,217,0001,965
Pre-tax net operating income$1,805,0002,234
Securities gains (losses)$88,0001,602
Applicable income taxes$723,0001,768
Income before extraordinary items$1,170,0002,636
Extraordinary gains, net$030
Net income$1,170,0002,634
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$124,0002,199
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,113,6802,584
2003-03-31 (YTD Data)Rank
Total interest income$3,611,0002,029
Total interest expense$1,107,0002,203
Net interest income$2,504,0001,949
Provision for loan and lease losses$185,0001,457
Total noninterest income$690,0001,797
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$590,000704
Trading account gains and fees$0134
Additional Noninterest Income$100,0003,931
Total noninterest expense$2,237,0001,762
Salaries and employee benefits$1,197,0001,786
Premises and equipment expense$417,0001,391
Additional noninterest expense$623,0001,878
Pre-tax net operating income$772,0002,542
Securities gains (losses)$02,891
Applicable income taxes$311,0002,002
Income before extraordinary items$461,0003,126
Extraordinary gains, net$021
Net income$461,0003,124
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0002,377
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$461,0002,966
2002-12-31 (YTD Data)Rank
Total interest income$8,225,0003,567
Total interest expense$3,129,0003,426
Net interest income$5,096,0003,614
Provision for loan and lease losses$284,0003,588
Total noninterest income$1,033,0003,416
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$862,0001,867
Trading account gains and fees$0153
Additional Noninterest Income$171,0005,328
Total noninterest expense$5,154,0002,850
Salaries and employee benefits$2,687,0002,929
Premises and equipment expense$1,135,0001,945
Additional noninterest expense$1,332,0003,293
Pre-tax net operating income$691,0006,124
Securities gains (losses)$04,537
Applicable income taxes$231,0004,891
Income before extraordinary items$460,0006,573
Extraordinary gains, net$070
Net income$460,0006,572
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0005,032
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$460,0006,444
2001-12-31 (YTD Data)Rank
Total interest income$8,646,0003,763
Total interest expense$4,597,0003,391
Net interest income$4,049,0004,087
Provision for loan and lease losses$247,0003,659
Total noninterest income$532,0004,906
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$366,0003,643
Trading account gains and fees$0177
Additional Noninterest Income$166,0005,316
Total noninterest expense$3,798,0003,585
Salaries and employee benefits$2,012,0003,573
Premises and equipment expense$423,0004,417
Additional noninterest expense$1,363,0003,132
Pre-tax net operating income$536,0006,419
Securities gains (losses)$04,612
Applicable income taxes$-89,0009,243
Income before extraordinary items$625,0005,503
Extraordinary gains, net$0105
Net income$625,0005,507
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0006,192
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$35,000776
Net operating income$625,0005,376
2000-12-31 (YTD Data)Rank
Total interest income$7,200,0004,480
Total interest expense$4,119,0003,881
Net interest income$3,081,0005,057
Provision for loan and lease losses$111,0005,081
Total noninterest income$297,0006,332
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$211,0004,954
Trading account gains and feesNANA
Additional Noninterest Income$86,0006,759
Total noninterest expense$2,898,0004,347
Salaries and employee benefits$1,516,0004,324
Premises and equipment expense$381,0004,658
Additional noninterest expense$1,001,0003,996
Pre-tax net operating income$369,0007,605
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$369,0007,046
Extraordinary gains, net$038
Net income$369,0007,044
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0006,934
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$1,000,000443
Net operating income$369,0007,043
1999-12-31 (YTD Data)Rank
Total interest income$4,220,0006,175
Total interest expense$2,144,0005,744
Net interest income$2,076,0006,506
Provision for loan and lease losses$310,0002,576
Total noninterest income$167,0007,878
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$123,0006,298
Trading account gains and feesNANA
Additional Noninterest Income$44,0008,263
Total noninterest expense$2,788,0004,485
Salaries and employee benefits$1,445,0004,465
Premises and equipment expense$264,0005,875
Additional noninterest expense$1,079,0003,766
Pre-tax net operating income$-855,00010,021
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-855,00010,047
Extraordinary gains, net$035
Net income$-855,00010,047
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,495
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-855,00010,036
1998-12-31 (YTD Data)Rank
Total interest income$617,00010,146
Total interest expense$235,00010,149
Net interest income$382,00010,102
Provision for loan and lease losses$216,0003,355
Total noninterest income$13,00010,273
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$7,0008,918
Trading account gains and feesNANA
Additional Noninterest Income$6,00010,162
Total noninterest expense$1,349,0007,103
Salaries and employee benefits$763,0006,851
Premises and equipment expense$105,0008,597
Additional noninterest expense$481,0006,570
Pre-tax net operating income$-1,170,00010,368
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-1,170,00010,384
Extraordinary gains, net$032
Net income$-1,170,00010,380
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$9,897,000105
Net operating income$-1,170,00010,367

* 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.