Home > Cardinal State Bank > Income and Expense
Cardinal State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,778,000 | 9,314 |
| Total interest expense | $1,000,000 | 8,690 |
| Net interest income | $778,000 | 9,726 |
| Provision for loan and lease losses | $2,000 | 8,765 |
| Total noninterest income | $174,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 8,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,172 |
| Total noninterest expense | $695,000 | 9,413 |
| Salaries and employee benefits | $318,000 | 9,823 |
| Premises and equipment expense | $144,000 | 7,944 |
| Additional noninterest expense | $233,000 | 9,039 |
| Pre-tax net operating income | $255,000 | 9,261 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $87,000 | 8,619 |
| Income before extraordinary items | $168,000 | 9,419 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $168,000 | 9,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $13,000 | 7,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $168,000 | 9,373 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,717,000 | 9,788 |
| Total interest expense | $981,000 | 9,074 |
| Net interest income | $736,000 | 10,286 |
| Provision for loan and lease losses | $1,000 | 9,010 |
| Total noninterest income | $181,000 | 8,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 8,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,403 |
| Total noninterest expense | $644,000 | 10,017 |
| Salaries and employee benefits | $314,000 | 10,240 |
| Premises and equipment expense | $144,000 | 8,199 |
| Additional noninterest expense | $186,000 | 10,103 |
| Pre-tax net operating income | $272,000 | 9,316 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $82,000 | 9,093 |
| Income before extraordinary items | $190,000 | 9,393 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $190,000 | 9,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $12,000 | 8,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $190,000 | 9,337 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,518,000 | 10,495 |
| Total interest expense | $840,000 | 9,822 |
| Net interest income | $678,000 | 10,908 |
| Provision for loan and lease losses | $1,000 | 8,909 |
| Total noninterest income | $148,000 | 9,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 9,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,327 |
| Total noninterest expense | $675,000 | 10,280 |
| Salaries and employee benefits | $298,000 | 10,769 |
| Premises and equipment expense | $107,000 | 9,413 |
| Additional noninterest expense | $270,000 | 9,600 |
| Pre-tax net operating income | $150,000 | 10,774 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $38,000 | 10,426 |
| Income before extraordinary items | $112,000 | 10,821 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $112,000 | 10,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $12,000 | 8,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $112,000 | 10,795 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 11,268 |
| Total interest expense | $596,000 | 10,623 |
| Net interest income | $645,000 | 11,572 |
| Provision for loan and lease losses | $-2,000 | 11,685 |
| Total noninterest income | $100,000 | 10,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,795 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,460 |
| Total noninterest expense | $621,000 | 11,027 |
| Salaries and employee benefits | $283,000 | 11,367 |
| Premises and equipment expense | $106,000 | 9,833 |
| Additional noninterest expense | $232,000 | 10,746 |
| Pre-tax net operating income | $126,000 | 11,443 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $32,000 | 10,876 |
| Income before extraordinary items | $94,000 | 11,442 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $94,000 | 11,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $11,000 | 8,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $94,000 | 11,483 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 11,701 |
| Total interest expense | $665,000 | 10,797 |
| Net interest income | $626,000 | 12,123 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $343,000 | 7,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 10,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $299,000 | 4,476 |
| Total noninterest expense | $611,000 | 11,591 |
| Salaries and employee benefits | $270,000 | 11,976 |
| Premises and equipment expense | $106,000 | 10,264 |
| Additional noninterest expense | $235,000 | 11,256 |
| Pre-tax net operating income | $350,000 | 9,805 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $128,000 | 9,127 |
| Income before extraordinary items | $222,000 | 10,384 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $222,000 | 10,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 6,866 |
| Cash dividends | $13,000 | 8,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $222,000 | 10,141 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,470,000 | 12,034 |
| Total interest expense | $820,000 | 11,238 |
| Net interest income | $650,000 | 12,514 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $139,000 | 10,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 10,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 8,137 |
| Total noninterest expense | $566,000 | 12,271 |
| Salaries and employee benefits | $243,000 | 12,676 |
| Premises and equipment expense | $107,000 | 10,495 |
| Additional noninterest expense | $216,000 | 12,014 |
| Pre-tax net operating income | $213,000 | 10,952 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $49,000 | 11,284 |
| Income before extraordinary items | $164,000 | 11,079 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $164,000 | 11,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $11,000 | 8,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $164,000 | 10,747 |
* 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.