Home > Bank of Saline > Income and Expense

Bank of Saline, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$604,000	9,644
Total interest expense	$236,000	9,607
Net interest income	$368,000	9,627
Provision for loan and lease losses	$0	8,337
Total noninterest income	$84,000	8,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	7,215
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	9,181
Total noninterest expense	$346,000	9,697
Salaries and employee benefits	$169,000	9,705
Premises and equipment expense	$52,000	9,324
Additional noninterest expense	$125,000	9,453
Pre-tax net operating income	$106,000	8,778
Securities gains (losses)	$0	1,956
Applicable income taxes	$23,000	7,775
Income before extraordinary items	$83,000	8,807
Extraordinary gains, net	$0	38
Net income	$83,000	8,807
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	8,998
Cash dividends	$3,000	6,825
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$83,000	8,796
1999-12-31 (YTD Data)		Rank
Total interest income	$578,000	9,922
Total interest expense	$211,000	9,922
Net interest income	$367,000	9,872
Provision for loan and lease losses	$0	8,503
Total noninterest income	$84,000	9,074
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$63,000	7,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	9,216
Total noninterest expense	$366,000	9,955
Salaries and employee benefits	$171,000	10,001
Premises and equipment expense	$62,000	9,387
Additional noninterest expense	$133,000	9,674
Pre-tax net operating income	$85,000	9,127
Securities gains (losses)	$0	3,155
Applicable income taxes	$15,000	8,345
Income before extraordinary items	$70,000	9,137
Extraordinary gains, net	$0	35
Net income	$70,000	9,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,730
Cash dividends	$3,000	7,105
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$70,000	9,107
1998-12-31 (YTD Data)		Rank
Total interest income	$587,000	10,164
Total interest expense	$220,000	10,163
Net interest income	$367,000	10,122
Provision for loan and lease losses	$0	8,652
Total noninterest income	$105,000	8,942
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	7,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,387
Total noninterest expense	$364,000	10,139
Salaries and employee benefits	$189,000	10,150
Premises and equipment expense	$76,000	9,240
Additional noninterest expense	$99,000	10,132
Pre-tax net operating income	$108,000	9,385
Securities gains (losses)	$0	4,449
Applicable income taxes	$35,000	8,609
Income before extraordinary items	$73,000	9,503
Extraordinary gains, net	$0	32
Net income	$73,000	9,502
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	9,552
Cash dividends	$3,000	7,447
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$73,000	9,436
1997-12-31 (YTD Data)		Rank
Total interest income	$581,000	10,651
Total interest expense	$207,000	10,664
Net interest income	$374,000	10,587
Provision for loan and lease losses	$6,000	8,580
Total noninterest income	$92,000	9,558
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	7,983
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,525
Total noninterest expense	$366,000	10,561
Salaries and employee benefits	$189,000	10,584
Premises and equipment expense	$73,000	9,616
Additional noninterest expense	$104,000	10,507
Pre-tax net operating income	$94,000	10,092
Securities gains (losses)	$0	3,944
Applicable income taxes	$16,000	9,792
Income before extraordinary items	$78,000	10,088
Extraordinary gains, net	$0	44
Net income	$78,000	10,090
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,835
Cash dividends	$3,000	7,840
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$78,000	10,050
1996-12-31 (YTD Data)		Rank
Total interest income	$599,000	11,189
Total interest expense	$227,000	11,197
Net interest income	$372,000	11,142
Provision for loan and lease losses	$13,000	8,331
Total noninterest income	$107,000	9,768
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,600
Total noninterest expense	$369,000	11,068
Salaries and employee benefits	$181,000	11,113
Premises and equipment expense	$76,000	9,922
Additional noninterest expense	$112,000	10,975
Pre-tax net operating income	$97,000	10,378
Securities gains (losses)	$0	4,148
Applicable income taxes	$19,000	10,217
Income before extraordinary items	$78,000	10,401
Extraordinary gains, net	$0	53
Net income	$78,000	10,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,500
Cash dividends	$3,000	8,301
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$78,000	10,358
1995-12-31 (YTD Data)		Rank
Total interest income	$565,000	11,745
Total interest expense	$208,000	11,737
Net interest income	$357,000	11,681
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$84,000	10,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,952
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	10,586
Total noninterest expense	$340,000	11,617
Salaries and employee benefits	$171,000	11,651
Premises and equipment expense	$60,000	10,776
Additional noninterest expense	$109,000	11,530
Pre-tax net operating income	$91,000	11,136
Securities gains (losses)	$0	3,831
Applicable income taxes	$13,000	10,879
Income before extraordinary items	$78,000	11,115
Extraordinary gains, net	$0	65
Net income	$78,000	11,113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,275
Cash dividends	$3,000	8,676
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$78,000	11,094
1994-12-31 (YTD Data)		Rank
Total interest income	$518,000	12,404
Total interest expense	$163,000	12,421
Net interest income	$355,000	12,317
Provision for loan and lease losses	$11,000	8,408
Total noninterest income	$110,000	10,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	10,284
Total noninterest expense	$369,000	12,152
Salaries and employee benefits	$188,000	12,144
Premises and equipment expense	$54,000	11,490
Additional noninterest expense	$127,000	12,062
Pre-tax net operating income	$85,000	11,718
Securities gains (losses)	$0	3,600
Applicable income taxes	$8,000	11,420
Income before extraordinary items	$77,000	11,604
Extraordinary gains, net	$0	249
Net income	$77,000	11,613
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,184
Cash dividends	$3,000	8,892
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$77,000	11,648
1993-12-31 (YTD Data)		Rank
Total interest income	$543,000	13,005
Total interest expense	$163,000	13,088
Net interest income	$380,000	12,856
Provision for loan and lease losses	$0	10,371
Total noninterest income	$92,000	11,522
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$65,000	9,505
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	11,511
Total noninterest expense	$354,000	12,819
Salaries and employee benefits	$182,000	12,759
Premises and equipment expense	$56,000	11,992
Additional noninterest expense	$116,000	12,805
Pre-tax net operating income	$118,000	11,732
Securities gains (losses)	$0	7,477
Applicable income taxes	$13,000	11,760
Income before extraordinary items	$105,000	11,752
Extraordinary gains, net	$0	3,149
Net income	$105,000	11,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	11,177
Cash dividends	$3,000	9,038
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$105,000	11,553
1992-12-31 (YTD Data)		Rank
Total interest income	$634,000	13,570
Total interest expense	$241,000	13,621
Net interest income	$393,000	13,404
Provision for loan and lease losses	$18,000	10,694
Total noninterest income	$90,000	11,997
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	10,079
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	11,488
Total noninterest expense	$345,000	13,415
Salaries and employee benefits	$164,000	13,457
Premises and equipment expense	$72,000	11,802
Additional noninterest expense	$109,000	13,443
Pre-tax net operating income	$120,000	11,810
Securities gains (losses)	$0	8,369
Applicable income taxes	$12,000	12,318
Income before extraordinary items	$108,000	11,837
Extraordinary gains, net	$0	1,422
Net income	$108,000	11,911
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	10,255
Cash dividends	$3,000	8,860
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$108,000	11,533

* 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.