Home > Border State Bank > Income and Expense
Border State Bank, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,598,000 | 4,854 |
| Total interest expense | $749,000 | 5,138 |
| Net interest income | $1,849,000 | 4,632 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $420,000 | 4,134 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $223,000 | 3,357 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $197,000 | 4,070 |
| Total noninterest expense | $1,408,000 | 4,786 |
| Salaries and employee benefits | $785,000 | 4,673 |
| Premises and equipment expense | $252,000 | 4,016 |
| Additional noninterest expense | $371,000 | 5,270 |
| Pre-tax net operating income | $771,000 | 4,157 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $312,000 | 3,170 |
| Income before extraordinary items | $459,000 | 5,024 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $459,000 | 5,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,150 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $459,000 | 4,823 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,278,000 | 4,936 |
| Total interest expense | $384,000 | 5,152 |
| Net interest income | $894,000 | 4,729 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $221,000 | 3,918 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $103,000 | 3,472 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $118,000 | 3,632 |
| Total noninterest expense | $725,000 | 4,681 |
| Salaries and employee benefits | $404,000 | 4,582 |
| Premises and equipment expense | $124,000 | 4,049 |
| Additional noninterest expense | $197,000 | 5,007 |
| Pre-tax net operating income | $330,000 | 4,541 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $131,000 | 3,466 |
| Income before extraordinary items | $199,000 | 5,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $199,000 | 5,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $199,000 | 5,157 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 5,102 |
| Total interest expense | $1,732,000 | 5,260 |
| Net interest income | $3,385,000 | 4,871 |
| Provision for loan and lease losses | $285,000 | 3,576 |
| Total noninterest income | $782,000 | 4,052 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $390,000 | 3,589 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $392,000 | 3,744 |
| Total noninterest expense | $2,755,000 | 4,743 |
| Salaries and employee benefits | $1,497,000 | 4,706 |
| Premises and equipment expense | $458,000 | 4,217 |
| Additional noninterest expense | $800,000 | 4,923 |
| Pre-tax net operating income | $1,127,000 | 4,884 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $454,000 | 3,647 |
| Income before extraordinary items | $673,000 | 5,652 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $673,000 | 5,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 3,281 |
| Cash dividends | $111,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $673,000 | 5,513 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,146,000 | 5,516 |
| Total interest expense | $2,391,000 | 5,536 |
| Net interest income | $2,755,000 | 5,376 |
| Provision for loan and lease losses | $42,000 | 6,879 |
| Total noninterest income | $752,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $367,000 | 3,633 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $385,000 | 3,616 |
| Total noninterest expense | $2,432,000 | 5,050 |
| Salaries and employee benefits | $1,345,000 | 4,909 |
| Premises and equipment expense | $438,000 | 4,319 |
| Additional noninterest expense | $649,000 | 5,555 |
| Pre-tax net operating income | $1,033,000 | 4,826 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $411,000 | 3,683 |
| Income before extraordinary items | $622,000 | 5,513 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $622,000 | 5,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,258 |
| Cash dividends | $125,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $622,000 | 5,389 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,765,000 | 5,912 |
| Total interest expense | $2,253,000 | 5,904 |
| Net interest income | $2,512,000 | 5,784 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $543,000 | 4,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,248 |
| Total noninterest expense | $2,201,000 | 5,332 |
| Salaries and employee benefits | $1,168,000 | 5,334 |
| Premises and equipment expense | $457,000 | 4,082 |
| Additional noninterest expense | $576,000 | 5,926 |
| Pre-tax net operating income | $834,000 | 5,759 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $335,000 | 4,351 |
| Income before extraordinary items | $499,000 | 6,335 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $499,000 | 6,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $499,000 | 6,352 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,982,000 | 6,383 |
| Total interest expense | $1,937,000 | 6,103 |
| Net interest income | $2,045,000 | 6,560 |
| Provision for loan and lease losses | $132,000 | 4,547 |
| Total noninterest income | $676,000 | 4,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 4,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $445,000 | 3,188 |
| Total noninterest expense | $2,028,000 | 5,640 |
| Salaries and employee benefits | $1,032,000 | 5,750 |
| Premises and equipment expense | $416,000 | 4,393 |
| Additional noninterest expense | $580,000 | 5,949 |
| Pre-tax net operating income | $561,000 | 6,860 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $213,000 | 5,568 |
| Income before extraordinary items | $348,000 | 7,298 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $348,000 | 7,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,288 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $348,000 | 7,270 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,635,000 | 6,813 |
| Total interest expense | $1,734,000 | 6,691 |
| Net interest income | $1,901,000 | 6,853 |
| Provision for loan and lease losses | $73,000 | 5,785 |
| Total noninterest income | $411,000 | 5,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,461 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 5,516 |
| Total noninterest expense | $1,729,000 | 6,166 |
| Salaries and employee benefits | $858,000 | 6,425 |
| Premises and equipment expense | $390,000 | 4,514 |
| Additional noninterest expense | $481,000 | 6,570 |
| Pre-tax net operating income | $510,000 | 7,311 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $200,000 | 6,190 |
| Income before extraordinary items | $313,000 | 7,779 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $313,000 | 7,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $311,080 | 7,708 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,105,000 | 7,629 |
| Total interest expense | $1,523,000 | 7,291 |
| Net interest income | $1,582,000 | 7,815 |
| Provision for loan and lease losses | $78,000 | 5,710 |
| Total noninterest income | $363,000 | 6,059 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,253 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,574 |
| Total noninterest expense | $1,405,000 | 7,022 |
| Salaries and employee benefits | $736,000 | 7,110 |
| Premises and equipment expense | $214,000 | 6,591 |
| Additional noninterest expense | $455,000 | 6,882 |
| Pre-tax net operating income | $462,000 | 8,128 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $167,000 | 7,362 |
| Income before extraordinary items | $295,000 | 8,416 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $295,000 | 8,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,380 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $295,000 | 8,374 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,610,000 | 8,551 |
| Total interest expense | $1,267,000 | 8,196 |
| Net interest income | $1,343,000 | 8,659 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $474,000 | 5,341 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $303,000 | 4,045 |
| Total noninterest expense | $1,276,000 | 7,738 |
| Salaries and employee benefits | $657,000 | 7,801 |
| Premises and equipment expense | $204,000 | 6,963 |
| Additional noninterest expense | $415,000 | 7,761 |
| Pre-tax net operating income | $466,000 | 8,138 |
| Securities gains (losses) | $-16,000 | 10,516 |
| Applicable income taxes | $172,000 | 7,559 |
| Income before extraordinary items | $278,000 | 8,611 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $278,000 | 8,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $288,240 | 8,460 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,034,000 | 9,661 |
| Total interest expense | $1,004,000 | 9,241 |
| Net interest income | $1,030,000 | 9,857 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $225,000 | 8,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,327 |
| Total noninterest expense | $1,011,000 | 8,900 |
| Salaries and employee benefits | $499,000 | 9,124 |
| Premises and equipment expense | $111,000 | 9,279 |
| Additional noninterest expense | $401,000 | 8,182 |
| Pre-tax net operating income | $172,000 | 10,637 |
| Securities gains (losses) | $-22,000 | 10,616 |
| Applicable income taxes | $36,000 | 10,464 |
| Income before extraordinary items | $114,000 | 10,802 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $114,000 | 10,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $130,720 | 10,632 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 10,652 |
| Total interest expense | $596,000 | 10,623 |
| Net interest income | $950,000 | 10,556 |
| Provision for loan and lease losses | $16,000 | 8,030 |
| Total noninterest income | $190,000 | 8,922 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 8,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,636 |
| Total noninterest expense | $701,000 | 10,699 |
| Salaries and employee benefits | $323,000 | 10,987 |
| Premises and equipment expense | $49,000 | 11,666 |
| Additional noninterest expense | $329,000 | 9,608 |
| Pre-tax net operating income | $423,000 | 9,177 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $142,000 | 8,466 |
| Income before extraordinary items | $281,000 | 9,360 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $281,000 | 9,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 11,539 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $281,000 | 9,418 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,286,000 | 11,714 |
| Total interest expense | $470,000 | 11,831 |
| Net interest income | $816,000 | 11,450 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $163,000 | 9,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,943 |
| Total noninterest expense | $642,000 | 11,424 |
| Salaries and employee benefits | $279,000 | 11,886 |
| Premises and equipment expense | $45,000 | 12,369 |
| Additional noninterest expense | $318,000 | 10,214 |
| Pre-tax net operating income | $337,000 | 9,915 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $123,000 | 9,238 |
| Income before extraordinary items | $220,000 | 10,418 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $220,000 | 10,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $216,160 | 10,212 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,287,000 | 12,430 |
| Total interest expense | $556,000 | 12,509 |
| Net interest income | $731,000 | 12,179 |
| Provision for loan and lease losses | $-20,000 | 13,523 |
| Total noninterest income | $129,000 | 10,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 9,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 10,289 |
| Total noninterest expense | $575,000 | 12,220 |
| Salaries and employee benefits | $248,000 | 12,630 |
| Premises and equipment expense | $42,000 | 12,992 |
| Additional noninterest expense | $285,000 | 11,055 |
| Pre-tax net operating income | $303,000 | 10,107 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $109,000 | 9,667 |
| Income before extraordinary items | $195,000 | 10,664 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $195,000 | 10,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 13,172 |
| Cash dividends | $30,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $194,360 | 10,339 |
* 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.