Home > Border State Bank of International Falls > Income and Expense
Border State Bank of International Falls, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,948,000 | 6,935 |
| Total interest expense | $555,000 | 6,879 |
| Net interest income | $1,393,000 | 6,857 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $357,000 | 5,384 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $216,000 | 4,292 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $141,000 | 5,297 |
| Total noninterest expense | $891,000 | 7,415 |
| Salaries and employee benefits | $548,000 | 7,143 |
| Premises and equipment expense | $123,000 | 7,119 |
| Additional noninterest expense | $220,000 | 7,683 |
| Pre-tax net operating income | $769,000 | 5,426 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $311,000 | 3,751 |
| Income before extraordinary items | $458,000 | 6,090 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $458,000 | 6,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,271 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $458,000 | 6,063 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,263,000 | 6,959 |
| Total interest expense | $345,000 | 6,926 |
| Net interest income | $918,000 | 6,874 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $215,000 | 5,574 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $140,000 | 4,312 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $75,000 | 5,733 |
| Total noninterest expense | $589,000 | 7,438 |
| Salaries and employee benefits | $360,000 | 7,198 |
| Premises and equipment expense | $85,000 | 7,031 |
| Additional noninterest expense | $144,000 | 7,710 |
| Pre-tax net operating income | $484,000 | 5,550 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $196,000 | 3,819 |
| Income before extraordinary items | $288,000 | 6,204 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $288,000 | 6,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $288,000 | 6,149 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $589,000 | 7,147 |
| Total interest expense | $160,000 | 7,042 |
| Net interest income | $429,000 | 7,099 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $94,000 | 5,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $290,000 | 7,528 |
| Salaries and employee benefits | $183,000 | 7,209 |
| Premises and equipment expense | $42,000 | 7,127 |
| Additional noninterest expense | $65,000 | 7,918 |
| Pre-tax net operating income | $203,000 | 5,934 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $83,000 | 4,062 |
| Income before extraordinary items | $120,000 | 6,568 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $120,000 | 6,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $120,000 | 6,526 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,247,000 | 7,135 |
| Total interest expense | $551,000 | 7,122 |
| Net interest income | $1,696,000 | 7,054 |
| Provision for loan and lease losses | $65,000 | 5,573 |
| Total noninterest income | $404,000 | 5,769 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $258,000 | 4,679 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $146,000 | 5,747 |
| Total noninterest expense | $1,109,000 | 7,604 |
| Salaries and employee benefits | $678,000 | 7,363 |
| Premises and equipment expense | $172,000 | 7,074 |
| Additional noninterest expense | $259,000 | 7,942 |
| Pre-tax net operating income | $926,000 | 5,425 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $376,000 | 3,814 |
| Income before extraordinary items | $550,000 | 6,157 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $550,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $550,000 | 6,083 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,655,000 | 7,190 |
| Total interest expense | $397,000 | 7,215 |
| Net interest income | $1,258,000 | 7,092 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $311,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $191,000 | 4,744 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $120,000 | 5,572 |
| Total noninterest expense | $818,000 | 7,609 |
| Salaries and employee benefits | $494,000 | 7,371 |
| Premises and equipment expense | $130,000 | 7,037 |
| Additional noninterest expense | $194,000 | 7,953 |
| Pre-tax net operating income | $706,000 | 5,499 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $286,000 | 3,870 |
| Income before extraordinary items | $420,000 | 6,198 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $420,000 | 6,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $420,000 | 6,128 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 7,265 |
| Total interest expense | $257,000 | 7,334 |
| Net interest income | $833,000 | 7,140 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $211,000 | 5,699 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $133,000 | 4,638 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $78,000 | 5,644 |
| Total noninterest expense | $521,000 | 7,740 |
| Salaries and employee benefits | $311,000 | 7,577 |
| Premises and equipment expense | $83,000 | 7,150 |
| Additional noninterest expense | $127,000 | 8,001 |
| Pre-tax net operating income | $493,000 | 5,341 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $198,000 | 3,805 |
| Income before extraordinary items | $295,000 | 6,071 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $295,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $295,000 | 5,998 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $539,000 | 7,331 |
| Total interest expense | $128,000 | 7,392 |
| Net interest income | $411,000 | 7,197 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $88,000 | 6,069 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $66,000 | 4,552 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $262,000 | 7,779 |
| Salaries and employee benefits | $156,000 | 7,599 |
| Premises and equipment expense | $41,000 | 7,205 |
| Additional noninterest expense | $65,000 | 8,009 |
| Pre-tax net operating income | $222,000 | 5,585 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $89,000 | 3,977 |
| Income before extraordinary items | $133,000 | 6,286 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $133,000 | 6,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $133,000 | 6,173 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,046,000 | 7,491 |
| Total interest expense | $571,000 | 7,491 |
| Net interest income | $1,475,000 | 7,403 |
| Provision for loan and lease losses | $65,000 | 5,903 |
| Total noninterest income | $411,000 | 5,913 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $190,000 | 5,378 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $221,000 | 5,088 |
| Total noninterest expense | $1,017,000 | 7,841 |
| Salaries and employee benefits | $595,000 | 7,715 |
| Premises and equipment expense | $161,000 | 7,249 |
| Additional noninterest expense | $261,000 | 8,029 |
| Pre-tax net operating income | $804,000 | 5,692 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $327,000 | 4,148 |
| Income before extraordinary items | $477,000 | 6,445 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $477,000 | 6,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $450,000 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $477,000 | 6,284 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,519,000 | 7,597 |
| Total interest expense | $436,000 | 7,609 |
| Net interest income | $1,083,000 | 7,498 |
| Provision for loan and lease losses | $58,000 | 5,579 |
| Total noninterest income | $321,000 | 5,883 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $136,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $185,000 | 4,946 |
| Total noninterest expense | $727,000 | 7,942 |
| Salaries and employee benefits | $430,000 | 7,769 |
| Premises and equipment expense | $119,000 | 7,291 |
| Additional noninterest expense | $178,000 | 8,200 |
| Pre-tax net operating income | $619,000 | 5,795 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $249,000 | 4,285 |
| Income before extraordinary items | $370,000 | 6,531 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $370,000 | 6,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $100,000 | 4,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $370,000 | 6,360 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $983,000 | 7,727 |
| Total interest expense | $295,000 | 7,704 |
| Net interest income | $688,000 | 7,631 |
| Provision for loan and lease losses | $45,000 | 5,281 |
| Total noninterest income | $216,000 | 5,831 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $91,000 | 5,480 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $125,000 | 4,923 |
| Total noninterest expense | $473,000 | 8,009 |
| Salaries and employee benefits | $277,000 | 7,879 |
| Premises and equipment expense | $76,000 | 7,385 |
| Additional noninterest expense | $120,000 | 8,170 |
| Pre-tax net operating income | $386,000 | 5,955 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $156,000 | 4,431 |
| Income before extraordinary items | $230,000 | 6,705 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $230,000 | 6,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $230,000 | 6,493 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $477,000 | 7,852 |
| Total interest expense | $147,000 | 7,797 |
| Net interest income | $330,000 | 7,729 |
| Provision for loan and lease losses | $23,000 | 5,064 |
| Total noninterest income | $101,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $44,000 | 5,485 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $234,000 | 8,070 |
| Salaries and employee benefits | $135,000 | 7,963 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $60,000 | 8,208 |
| Pre-tax net operating income | $174,000 | 6,173 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $69,000 | 4,613 |
| Income before extraordinary items | $105,000 | 6,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 6,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $105,000 | 6,636 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 8,122 |
| Total interest expense | $627,000 | 8,011 |
| Net interest income | $1,128,000 | 8,067 |
| Provision for loan and lease losses | $90,000 | 5,880 |
| Total noninterest income | $276,000 | 6,647 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $117,000 | 6,301 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $159,000 | 5,480 |
| Total noninterest expense | $914,000 | 8,114 |
| Salaries and employee benefits | $482,000 | 8,209 |
| Premises and equipment expense | $175,000 | 7,092 |
| Additional noninterest expense | $257,000 | 8,122 |
| Pre-tax net operating income | $400,000 | 7,163 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $163,000 | 5,404 |
| Income before extraordinary items | $237,000 | 7,640 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $237,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $237,000 | 7,548 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,355,000 | 8,863 |
| Total interest expense | $652,000 | 8,718 |
| Net interest income | $703,000 | 8,847 |
| Provision for loan and lease losses | $119,000 | 5,325 |
| Total noninterest income | $204,000 | 7,271 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $58,000 | 7,433 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $146,000 | 5,594 |
| Total noninterest expense | $770,000 | 8,527 |
| Salaries and employee benefits | $424,000 | 8,520 |
| Premises and equipment expense | $167,000 | 7,259 |
| Additional noninterest expense | $179,000 | 8,829 |
| Pre-tax net operating income | $18,000 | 8,659 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $9,000 | 7,619 |
| Income before extraordinary items | $9,000 | 8,783 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $9,000 | 8,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,710 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $9,000 | 8,700 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $543,000 | 9,670 |
| Total interest expense | $269,000 | 9,571 |
| Net interest income | $274,000 | 9,724 |
| Provision for loan and lease losses | $102,000 | 5,242 |
| Total noninterest income | $47,000 | 9,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $558,000 | 9,222 |
| Salaries and employee benefits | $295,000 | 9,282 |
| Premises and equipment expense | $112,000 | 8,239 |
| Additional noninterest expense | $151,000 | 9,225 |
| Pre-tax net operating income | $-339,000 | 9,443 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-135,000 | 9,625 |
| Income before extraordinary items | $-204,000 | 9,380 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-204,000 | 9,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 320 |
| Net operating income | $-204,000 | 9,378 |
* 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.