Home > Bank St. Croix > Income and Expense
Bank St. Croix, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,035,000 | 10,272 |
| Total interest expense | $410,000 | 10,319 |
| Net interest income | $625,000 | 10,132 |
| Provision for loan and lease losses | $-19,000 | 10,637 |
| Total noninterest income | $177,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 7,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,536 |
| Total noninterest expense | $858,000 | 8,824 |
| Salaries and employee benefits | $178,000 | 10,628 |
| Premises and equipment expense | $163,000 | 7,518 |
| Additional noninterest expense | $517,000 | 6,369 |
| Pre-tax net operating income | $-37,000 | 10,431 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $16,000 | 9,792 |
| Income before extraordinary items | $-53,000 | 10,472 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-53,000 | 10,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 454 |
| Net operating income | $-53,000 | 10,433 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 10,666 |
| Total interest expense | $405,000 | 10,860 |
| Net interest income | $701,000 | 10,382 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $163,000 | 8,804 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 7,389 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,550 |
| Total noninterest expense | $872,000 | 9,156 |
| Salaries and employee benefits | $218,000 | 10,913 |
| Premises and equipment expense | $157,000 | 7,897 |
| Additional noninterest expense | $497,000 | 7,072 |
| Pre-tax net operating income | $-33,000 | 10,870 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $5,000 | 10,459 |
| Income before extraordinary items | $-38,000 | 10,905 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-38,000 | 10,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,045 |
| Cash dividends | $42,000 | 7,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-38,000 | 10,864 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,134,000 | 11,064 |
| Total interest expense | $410,000 | 11,295 |
| Net interest income | $724,000 | 10,770 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $258,000 | 7,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 6,984 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,567 |
| Total noninterest expense | $807,000 | 9,743 |
| Salaries and employee benefits | $221,000 | 11,360 |
| Premises and equipment expense | $161,000 | 8,015 |
| Additional noninterest expense | $425,000 | 7,953 |
| Pre-tax net operating income | $135,000 | 10,875 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $56,000 | 10,067 |
| Income before extraordinary items | $79,000 | 11,110 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $79,000 | 11,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $51,000 | 7,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $79,000 | 11,087 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,013,000 | 11,682 |
| Total interest expense | $302,000 | 12,030 |
| Net interest income | $711,000 | 11,345 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $247,000 | 8,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,901 |
| Total noninterest expense | $764,000 | 10,402 |
| Salaries and employee benefits | $235,000 | 11,792 |
| Premises and equipment expense | $153,000 | 8,471 |
| Additional noninterest expense | $376,000 | 9,077 |
| Pre-tax net operating income | $124,000 | 11,457 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $19,000 | 11,165 |
| Income before extraordinary items | $105,000 | 11,339 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $105,000 | 11,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,438 |
| Cash dividends | $122,000 | 6,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $105,000 | 11,375 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $906,000 | 12,493 |
| Total interest expense | $332,000 | 12,522 |
| Net interest income | $574,000 | 12,313 |
| Provision for loan and lease losses | $16,000 | 9,322 |
| Total noninterest income | $402,000 | 6,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 8,627 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $310,000 | 4,382 |
| Total noninterest expense | $754,000 | 10,898 |
| Salaries and employee benefits | $232,000 | 12,358 |
| Premises and equipment expense | $145,000 | 9,044 |
| Additional noninterest expense | $377,000 | 9,516 |
| Pre-tax net operating income | $206,000 | 10,979 |
| Securities gains (losses) | $-3,000 | 12,455 |
| Applicable income taxes | $66,000 | 10,572 |
| Income before extraordinary items | $137,000 | 11,372 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $137,000 | 11,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $139,010 | 11,140 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $843,000 | 13,283 |
| Total interest expense | $377,000 | 13,269 |
| Net interest income | $466,000 | 13,187 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $310,000 | 7,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 5,372 |
| Total noninterest expense | $660,000 | 11,731 |
| Salaries and employee benefits | $235,000 | 12,767 |
| Premises and equipment expense | $138,000 | 9,460 |
| Additional noninterest expense | $287,000 | 11,020 |
| Pre-tax net operating income | $36,000 | 12,494 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $6,000 | 12,482 |
| Income before extraordinary items | $32,000 | 12,698 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $32,000 | 12,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 7,050 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $30,320 | 12,465 |
* 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.