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Ashland State Bank, Income and Expense

1995-12-31 (YTD Data)Rank
Total interest income$1,381,00010,715
Total interest expense$655,00010,464
Net interest income$726,00010,764
Provision for loan and lease losses$52,0006,119
Total noninterest income$92,00010,456
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$51,0009,212
Trading account gains and feesNANA
Additional Noninterest Income$41,0009,663
Total noninterest expense$520,00010,941
Salaries and employee benefits$280,00010,920
Premises and equipment expense$47,00011,167
Additional noninterest expense$193,00010,501
Pre-tax net operating income$246,00010,147
Securities gains (losses)$03,831
Applicable income taxes$80,0009,585
Income before extraordinary items$166,00010,300
Extraordinary gains, net$065
Net income$166,00010,302
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0006,236
Cash dividends$55,0007,670
Sale, conversion, retirement of capital stock, net$0809
Net operating income$166,00010,276
1994-12-31 (YTD Data)Rank
Total interest income$1,224,00011,300
Total interest expense$570,00010,741
Net interest income$654,00011,541
Provision for loan and lease losses$43,0006,473
Total noninterest income$90,00010,990
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$32,00010,262
Trading account gains and feesNANA
Additional Noninterest Income$58,0009,194
Total noninterest expense$520,00011,505
Salaries and employee benefits$241,00011,746
Premises and equipment expense$62,00011,231
Additional noninterest expense$217,00010,931
Pre-tax net operating income$181,00011,048
Securities gains (losses)$03,600
Applicable income taxes$41,00010,670
Income before extraordinary items$140,00010,931
Extraordinary gains, net$0249
Net income$140,00010,936
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,783
Cash dividends$114,0006,647
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$140,00010,996
1993-12-31 (YTD Data)Rank
Total interest income$1,311,00011,662
Total interest expense$725,00010,437
Net interest income$586,00012,271
Provision for loan and lease losses$20,0009,046
Total noninterest income$81,00011,784
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$25,00010,888
Trading account gains and feesNANA
Additional Noninterest Income$56,0009,758
Total noninterest expense$512,00012,107
Salaries and employee benefits$235,00012,320
Premises and equipment expense$56,00011,992
Additional noninterest expense$221,00011,452
Pre-tax net operating income$135,00011,591
Securities gains (losses)$07,477
Applicable income taxes$35,00011,268
Income before extraordinary items$100,00011,800
Extraordinary gains, net$-13,00012,366
Net income$87,00011,969
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0007,896
Cash dividends$54,0007,865
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$100,00011,612
1992-12-31 (YTD Data)Rank
Total interest income$1,385,00012,215
Total interest expense$797,00011,349
Net interest income$588,00012,753
Provision for loan and lease losses$197,0005,267
Total noninterest income$53,00013,040
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$33,00010,969
Trading account gains and feesNANA
Additional Noninterest Income$20,00012,557
Total noninterest expense$478,00012,760
Salaries and employee benefits$158,00013,499
Premises and equipment expense$70,00011,871
Additional noninterest expense$250,00011,528
Pre-tax net operating income$-34,00012,831
Securities gains (losses)$08,369
Applicable income taxes$-5,00013,377
Income before extraordinary items$-29,00012,958
Extraordinary gains, net$01,422
Net income$-29,00012,951
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$196,0004,249
Cash dividends$13,0008,641
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-29,00012,765

* 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.