Home > Buffalo Ridge State Bank of Ruthton, Inc. > Income and Expense

Buffalo Ridge State Bank of Ruthton, Inc., Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$891,000	9,478
Total interest expense	$386,000	9,443
Net interest income	$505,000	9,451
Provision for loan and lease losses	$16,000	7,742
Total noninterest income	$29,000	9,595
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	8,143
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	9,744
Total noninterest expense	$366,000	9,657
Salaries and employee benefits	$215,000	9,588
Premises and equipment expense	$72,000	8,949
Additional noninterest expense	$79,000	9,748
Pre-tax net operating income	$152,000	8,583
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$21,000	7,823
Income before extraordinary items	$130,000	8,525
Extraordinary gains, net	$0	38
Net income	$130,000	8,523
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,934
Cash dividends	$50,000	6,383
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$130,860	8,519
1999-12-31 (YTD Data)		Rank
Total interest income	$833,000	9,752
Total interest expense	$375,000	9,690
Net interest income	$458,000	9,749
Provision for loan and lease losses	$6,000	8,268
Total noninterest income	$30,000	9,858
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	8,390
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	9,956
Total noninterest expense	$350,000	9,983
Salaries and employee benefits	$219,000	9,843
Premises and equipment expense	$64,000	9,355
Additional noninterest expense	$67,000	10,103
Pre-tax net operating income	$132,000	8,905
Securities gains (losses)	$0	3,155
Applicable income taxes	$41,000	7,793
Income before extraordinary items	$91,000	9,030
Extraordinary gains, net	$0	35
Net income	$91,000	9,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,010
Cash dividends	$30,000	6,807
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$91,000	8,996
1998-12-31 (YTD Data)		Rank
Total interest income	$812,000	10,017
Total interest expense	$369,000	9,939
Net interest income	$443,000	10,022
Provision for loan and lease losses	$37,000	7,064
Total noninterest income	$36,000	10,024
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	8,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	10,162
Total noninterest expense	$349,000	10,164
Salaries and employee benefits	$218,000	10,026
Premises and equipment expense	$65,000	9,470
Additional noninterest expense	$66,000	10,328
Pre-tax net operating income	$93,000	9,441
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$27,000	8,759
Income before extraordinary items	$67,000	9,529
Extraordinary gains, net	$0	32
Net income	$67,000	9,528
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,482
Cash dividends	$36,000	7,066
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$66,290	9,466
1997-12-31 (YTD Data)		Rank
Total interest income	$788,000	10,491
Total interest expense	$371,000	10,388
Net interest income	$417,000	10,532
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$65,000	10,031
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	8,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,432
Total noninterest expense	$336,000	10,624
Salaries and employee benefits	$198,000	10,558
Premises and equipment expense	$72,000	9,646
Additional noninterest expense	$66,000	10,768
Pre-tax net operating income	$134,000	9,926
Securities gains (losses)	$0	3,944
Applicable income taxes	$50,000	9,253
Income before extraordinary items	$84,000	10,055
Extraordinary gains, net	$0	44
Net income	$84,000	10,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,093
Cash dividends	$36,000	7,401
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$84,000	10,015
1996-12-31 (YTD Data)		Rank
Total interest income	$801,000	11,021
Total interest expense	$393,000	10,889
Net interest income	$408,000	11,070
Provision for loan and lease losses	$15,000	8,204
Total noninterest income	$53,000	10,797
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$47,000	8,930
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	11,162
Total noninterest expense	$316,000	11,185
Salaries and employee benefits	$191,000	11,059
Premises and equipment expense	$69,000	10,108
Additional noninterest expense	$56,000	11,363
Pre-tax net operating income	$130,000	10,210
Securities gains (losses)	$0	4,148
Applicable income taxes	$38,000	9,901
Income before extraordinary items	$92,000	10,290
Extraordinary gains, net	$0	53
Net income	$92,000	10,289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,612
Cash dividends	$30,000	7,843
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$92,000	10,240
1995-12-31 (YTD Data)		Rank
Total interest income	$746,000	11,582
Total interest expense	$348,000	11,484
Net interest income	$398,000	11,613
Provision for loan and lease losses	$75,000	5,235
Total noninterest income	$48,000	11,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$44,000	9,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,796
Total noninterest expense	$293,000	11,728
Salaries and employee benefits	$157,000	11,709
Premises and equipment expense	$61,000	10,750
Additional noninterest expense	$75,000	11,789
Pre-tax net operating income	$78,000	11,191
Securities gains (losses)	$0	3,831
Applicable income taxes	$18,000	10,788
Income before extraordinary items	$60,000	11,231
Extraordinary gains, net	$0	65
Net income	$60,000	11,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,739
Cash dividends	$75,000	7,260
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$60,000	11,202
1994-12-31 (YTD Data)		Rank
Total interest income	$730,000	12,164
Total interest expense	$312,000	11,989
Net interest income	$418,000	12,198
Provision for loan and lease losses	$0	9,146
Total noninterest income	$51,000	11,921
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	9,835
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	12,349
Total noninterest expense	$311,000	12,325
Salaries and employee benefits	$182,000	12,188
Premises and equipment expense	$54,000	11,490
Additional noninterest expense	$75,000	12,459
Pre-tax net operating income	$158,000	11,202
Securities gains (losses)	$0	3,600
Applicable income taxes	$71,000	10,001
Income before extraordinary items	$87,000	11,503
Extraordinary gains, net	$0	249
Net income	$87,000	11,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$60,000	7,692
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$87,000	11,545
1993-12-31 (YTD Data)		Rank
Total interest income	$729,000	12,770
Total interest expense	$309,000	12,641
Net interest income	$420,000	12,761
Provision for loan and lease losses	$0	10,371
Total noninterest income	$46,000	12,646
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	10,371
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	13,037
Total noninterest expense	$308,000	12,960
Salaries and employee benefits	$178,000	12,799
Premises and equipment expense	$51,000	12,175
Additional noninterest expense	$79,000	13,088
Pre-tax net operating income	$158,000	11,415
Securities gains (losses)	$0	7,477
Applicable income taxes	$72,000	10,417
Income before extraordinary items	$86,000	11,942
Extraordinary gains, net	$0	3,149
Net income	$86,000	11,980
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	7,509
Cash dividends	$51,000	7,904
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$86,000	11,759
1992-12-31 (YTD Data)		Rank
Total interest income	$800,000	13,353
Total interest expense	$380,000	13,259
Net interest income	$420,000	13,333
Provision for loan and lease losses	$0	11,756
Total noninterest income	$47,000	13,183
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	10,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	13,545
Total noninterest expense	$309,000	13,539
Salaries and employee benefits	$177,000	13,348
Premises and equipment expense	$49,000	12,719
Additional noninterest expense	$83,000	13,664
Pre-tax net operating income	$158,000	11,446
Securities gains (losses)	$0	8,369
Applicable income taxes	$60,000	10,985
Income before extraordinary items	$98,000	11,965
Extraordinary gains, net	$0	1,422
Net income	$98,000	12,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$36,000	8,075
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$98,000	11,671

* 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.