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Adrian State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$13,453,0002,414
Total interest expense$6,635,0002,283
Net interest income$6,818,0002,489
Provision for loan and lease losses$824,0001,152
Total noninterest income$3,062,0001,323
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$700,0001,826
Trading account gains and fees$0224
Additional Noninterest Income$2,362,0001,049
Total noninterest expense$7,317,0001,789
Salaries and employee benefits$2,905,0002,319
Premises and equipment expense$706,0002,749
Additional noninterest expense$3,706,0001,209
Pre-tax net operating income$1,739,0003,739
Securities gains (losses)$70,0001,509
Applicable income taxes$564,0003,562
Income before extraordinary items$1,245,0003,812
Extraordinary gains, net$032
Net income$1,245,0003,810
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$252,0002,095
Cash dividends$1,000,0002,191
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,196,7003,853
1997-12-31 (YTD Data)Rank
Total interest income$12,571,0002,607
Total interest expense$6,167,0002,437
Net interest income$6,404,0002,716
Provision for loan and lease losses$237,0003,092
Total noninterest income$5,129,000908
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$734,0001,770
Trading account gains and fees$0239
Additional Noninterest Income$4,395,000671
Total noninterest expense$9,270,0001,412
Salaries and employee benefits$3,638,0001,795
Premises and equipment expense$800,0002,429
Additional noninterest expense$4,832,000989
Pre-tax net operating income$2,026,0003,493
Securities gains (losses)$35,0001,545
Applicable income taxes$645,0003,472
Income before extraordinary items$1,416,0003,531
Extraordinary gains, net$044
Net income$1,416,0003,531
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$64,0004,696
Cash dividends$1,497,0001,634
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,391,8503,505
1996-12-31 (YTD Data)Rank
Total interest income$10,695,0003,074
Total interest expense$5,070,0002,966
Net interest income$5,625,0003,141
Provision for loan and lease losses$145,0004,158
Total noninterest income$11,139,000550
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$407,0003,289
Trading account gains and fees$0262
Additional Noninterest Income$10,732,000408
Total noninterest expense$15,503,000981
Salaries and employee benefits$3,785,0001,749
Premises and equipment expense$1,009,0001,984
Additional noninterest expense$10,709,000637
Pre-tax net operating income$1,116,0005,361
Securities gains (losses)$305,000544
Applicable income taxes$437,0004,603
Income before extraordinary items$984,0004,576
Extraordinary gains, net$053
Net income$984,0004,577
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0005,926
Cash dividends$1,000,0002,117
Sale, conversion, retirement of capital stock, net$0953
Net operating income$773,5505,369
1995-12-31 (YTD Data)Rank
Total interest income$9,924,0003,301
Total interest expense$4,712,0003,183
Net interest income$5,212,0003,396
Provision for loan and lease losses$35,0006,883
Total noninterest income$9,919,000605
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$355,0003,724
Trading account gains and fees$2,000493
Additional Noninterest Income$9,562,000439
Total noninterest expense$13,497,0001,100
Salaries and employee benefits$9,684,000726
Premises and equipment expense$790,0002,511
Additional noninterest expense$3,023,0001,692
Pre-tax net operating income$1,599,0004,231
Securities gains (losses)$03,831
Applicable income taxes$528,0004,018
Income before extraordinary items$1,071,0004,342
Extraordinary gains, net$065
Net income$1,071,0004,339
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,320
Cash dividends$1,921,0001,285
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,071,0004,338
1994-12-31 (YTD Data)Rank
Total interest income$8,965,0003,341
Total interest expense$3,701,0003,301
Net interest income$5,264,0003,401
Provision for loan and lease losses$295,0002,325
Total noninterest income$828,0003,609
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$473,0002,918
Trading account gains and fees$0475
Additional Noninterest Income$355,0003,679
Total noninterest expense$5,167,0002,685
Salaries and employee benefits$2,962,0002,250
Premises and equipment expense$697,0002,841
Additional noninterest expense$1,508,0003,273
Pre-tax net operating income$630,0007,832
Securities gains (losses)$-12,0009,966
Applicable income taxes$122,0008,885
Income before extraordinary items$496,0007,350
Extraordinary gains, net$0249
Net income$496,0007,354
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,783
Cash dividends$614,0002,754
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$505,6007,302
1993-12-31 (YTD Data)Rank
Total interest income$9,184,0003,362
Total interest expense$4,021,0003,161
Net interest income$5,163,0003,465
Provision for loan and lease losses$59,0007,168
Total noninterest income$857,0003,777
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$475,0002,941
Trading account gains and fees$0532
Additional Noninterest Income$382,0003,867
Total noninterest expense$4,102,0003,409
Salaries and employee benefits$1,958,0003,356
Premises and equipment expense$586,0003,404
Additional noninterest expense$1,558,0003,390
Pre-tax net operating income$1,859,0003,567
Securities gains (losses)$54,0003,285
Applicable income taxes$552,0003,838
Income before extraordinary items$1,361,0003,557
Extraordinary gains, net$03,149
Net income$1,361,0003,667
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0006,315
Cash dividends$354,0003,962
Sale, conversion, retirement of capital stock, net$927,000492
Net operating income$1,322,6603,456
1992-12-31 (YTD Data)Rank
Total interest income$8,831,0003,925
Total interest expense$4,409,0003,717
Net interest income$4,422,0004,064
Provision for loan and lease losses$238,0004,768
Total noninterest income$723,0004,297
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$440,0003,185
Trading account gains and fees$0504
Additional Noninterest Income$283,0004,594
Total noninterest expense$3,531,0003,902
Salaries and employee benefits$1,704,0003,759
Premises and equipment expense$553,0003,633
Additional noninterest expense$1,274,0004,114
Pre-tax net operating income$1,376,0004,385
Securities gains (losses)$8,0006,653
Applicable income taxes$351,0005,341
Income before extraordinary items$1,033,0004,359
Extraordinary gains, net$01,422
Net income$1,033,0004,402
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$128,0005,269
Cash dividends$208,0004,907
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,027,0004,077

* 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.