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AYARS STATE BANK, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$1,713,0008,815
Total interest expense$777,0008,739
Net interest income$936,0008,773
Provision for loan and lease losses$38,0006,950
Total noninterest income$112,0008,637
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$61,0007,576
Trading account gains and feesNANA
Additional Noninterest Income$51,0008,031
Total noninterest expense$682,0009,079
Salaries and employee benefits$360,0009,125
Premises and equipment expense$70,0009,216
Additional noninterest expense$252,0008,541
Pre-tax net operating income$328,0007,933
Securities gains (losses)$3,0002,393
Applicable income taxes$108,0006,819
Income before extraordinary items$223,0008,129
Extraordinary gains, net$035
Net income$223,0008,126
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$112,0005,980
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$220,9908,118
1998-12-31 (YTD Data)Rank
Total interest income$1,739,0009,007
Total interest expense$820,0008,890
Net interest income$919,0008,980
Provision for loan and lease losses$38,0007,037
Total noninterest income$95,0009,100
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$46,0008,144
Trading account gains and feesNANA
Additional Noninterest Income$49,0008,189
Total noninterest expense$733,0009,001
Salaries and employee benefits$418,0008,860
Premises and equipment expense$83,0009,091
Additional noninterest expense$232,0008,773
Pre-tax net operating income$243,0008,700
Securities gains (losses)$4,0003,561
Applicable income taxes$90,0007,687
Income before extraordinary items$157,0008,929
Extraordinary gains, net$032
Net income$157,0008,927
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,603
Cash dividends$78,0006,533
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$154,4408,882
1997-12-31 (YTD Data)Rank
Total interest income$1,892,0009,152
Total interest expense$955,0008,817
Net interest income$937,0009,336
Provision for loan and lease losses$26,0007,586
Total noninterest income$100,0009,419
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$48,0008,475
Trading account gains and feesNANA
Additional Noninterest Income$52,0008,342
Total noninterest expense$776,0009,121
Salaries and employee benefits$432,0009,057
Premises and equipment expense$64,0009,853
Additional noninterest expense$280,0008,527
Pre-tax net operating income$235,0009,383
Securities gains (losses)$03,944
Applicable income taxes$97,0008,449
Income before extraordinary items$138,0009,698
Extraordinary gains, net$044
Net income$138,0009,699
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,179
Cash dividends$79,0006,791
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$138,0009,650
1996-12-31 (YTD Data)Rank
Total interest income$570,00011,213
Total interest expense$311,00011,058
Net interest income$259,00011,274
Provision for loan and lease losses$9,0008,632
Total noninterest income$29,00011,152
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$14,0009,689
Trading account gains and feesNANA
Additional Noninterest Income$15,00010,709
Total noninterest expense$218,00011,348
Salaries and employee benefits$123,00011,307
Premises and equipment expense$23,00011,257
Additional noninterest expense$72,00011,292
Pre-tax net operating income$61,00010,547
Securities gains (losses)$04,148
Applicable income taxes$21,00010,180
Income before extraordinary items$40,00010,634
Extraordinary gains, net$053
Net income$40,00010,632
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,612
Cash dividends$30,0007,843
Sale, conversion, retirement of capital stock, net$0953
Net operating income$40,00010,583
1995-12-31 (YTD Data)Rank
Total interest income$1,948,0009,807
Total interest expense$1,014,0009,201
Net interest income$934,00010,141
Provision for loan and lease losses$26,0007,298
Total noninterest income$110,00010,066
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0009,123
Trading account gains and feesNANA
Additional Noninterest Income$56,0008,932
Total noninterest expense$849,0009,556
Salaries and employee benefits$453,0009,510
Premises and equipment expense$136,0008,625
Additional noninterest expense$260,0009,723
Pre-tax net operating income$169,00010,657
Securities gains (losses)$-14,00010,322
Applicable income taxes$45,00010,268
Income before extraordinary items$110,00010,841
Extraordinary gains, net$065
Net income$110,00010,841
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,657
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$119,94010,727
1994-12-31 (YTD Data)Rank
Total interest income$1,682,00010,384
Total interest expense$725,0009,959
Net interest income$957,00010,535
Provision for loan and lease losses$5,0008,812
Total noninterest income$66,00011,591
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$24,00010,462
Trading account gains and feesNANA
Additional Noninterest Income$42,00010,035
Total noninterest expense$864,0009,930
Salaries and employee benefits$422,00010,090
Premises and equipment expense$182,0007,818
Additional noninterest expense$260,00010,401
Pre-tax net operating income$154,00011,242
Securities gains (losses)$-48,00010,996
Applicable income taxes$18,00011,192
Income before extraordinary items$88,00011,493
Extraordinary gains, net$0249
Net income$88,00011,499
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,524
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$127,84011,132
1993-12-31 (YTD Data)Rank
Total interest income$1,544,00011,137
Total interest expense$770,00010,201
Net interest income$774,00011,604
Provision for loan and lease losses$20,0009,046
Total noninterest income$87,00011,637
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$43,00010,299
Trading account gains and feesNANA
Additional Noninterest Income$44,00010,462
Total noninterest expense$732,00011,008
Salaries and employee benefits$389,00010,750
Premises and equipment expense$107,00010,233
Additional noninterest expense$236,00011,247
Pre-tax net operating income$109,00011,801
Securities gains (losses)$74,0002,889
Applicable income taxes$31,00011,357
Income before extraordinary items$152,00011,177
Extraordinary gains, net$03,149
Net income$152,00011,264
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$90,58011,710
1992-12-31 (YTD Data)Rank
Total interest income$1,730,00011,463
Total interest expense$942,00010,653
Net interest income$788,00011,960
Provision for loan and lease losses$28,00010,112
Total noninterest income$83,00012,197
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$31,00011,039
Trading account gains and feesNANA
Additional Noninterest Income$52,00010,289
Total noninterest expense$691,00011,559
Salaries and employee benefits$368,00011,241
Premises and equipment expense$119,00010,050
Additional noninterest expense$204,00012,186
Pre-tax net operating income$152,00011,513
Securities gains (losses)$08,369
Applicable income taxes$31,00011,785
Income before extraordinary items$121,00011,667
Extraordinary gains, net$01,422
Net income$121,00011,744
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,00012,396
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$121,00011,342

* 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.