Home > Cedar Valley State Bank > Income and Expense
Cedar Valley State Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $472,000 | 8,969 |
| Total interest expense | $187,000 | 8,719 |
| Net interest income | $285,000 | 9,005 |
| Provision for loan and lease losses | $37,000 | 6,206 |
| Total noninterest income | $40,000 | 8,838 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $29,000 | 7,663 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,647 |
| Total noninterest expense | $465,000 | 8,618 |
| Salaries and employee benefits | $148,000 | 9,054 |
| Premises and equipment expense | $62,000 | 8,334 |
| Additional noninterest expense | $255,000 | 7,516 |
| Pre-tax net operating income | $-177,000 | 8,805 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-177,000 | 8,884 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-177,000 | 8,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-177,000 | 8,815 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $322,000 | 8,991 |
| Total interest expense | $128,000 | 8,771 |
| Net interest income | $194,000 | 9,031 |
| Provision for loan and lease losses | $37,000 | 5,547 |
| Total noninterest income | $27,000 | 8,841 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $18,000 | 7,723 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $9,000 | 8,523 |
| Total noninterest expense | $304,000 | 8,662 |
| Salaries and employee benefits | $107,000 | 9,053 |
| Premises and equipment expense | $17,000 | 9,006 |
| Additional noninterest expense | $180,000 | 7,397 |
| Pre-tax net operating income | $-120,000 | 8,850 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-120,000 | 8,937 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-120,000 | 8,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-120,000 | 8,854 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $152,000 | 9,074 |
| Total interest expense | $61,000 | 8,874 |
| Net interest income | $91,000 | 9,103 |
| Provision for loan and lease losses | $32,000 | 4,392 |
| Total noninterest income | $15,000 | 8,812 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $149,000 | 8,738 |
| Salaries and employee benefits | $56,000 | 9,064 |
| Premises and equipment expense | $7,000 | 9,093 |
| Additional noninterest expense | $86,000 | 7,511 |
| Pre-tax net operating income | $-75,000 | 8,937 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-75,000 | 8,999 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-75,000 | 8,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-75,000 | 8,918 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $546,000 | 9,145 |
| Total interest expense | $278,000 | 8,932 |
| Net interest income | $268,000 | 9,203 |
| Provision for loan and lease losses | $13,000 | 7,714 |
| Total noninterest income | $106,000 | 8,329 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $40,000 | 7,685 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $66,000 | 7,179 |
| Total noninterest expense | $615,000 | 8,733 |
| Salaries and employee benefits | $287,000 | 8,937 |
| Premises and equipment expense | $75,000 | 8,522 |
| Additional noninterest expense | $253,000 | 8,155 |
| Pre-tax net operating income | $-254,000 | 8,855 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-254,000 | 8,936 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-254,000 | 8,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $19,000 | 6,235 |
| Sale, conversion, retirement of capital stock, net | $827,000 | 407 |
| Net operating income | $-254,000 | 8,880 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $664,000 | 9,343 |
| Total interest expense | $393,000 | 9,169 |
| Net interest income | $271,000 | 9,444 |
| Provision for loan and lease losses | $64,000 | 6,300 |
| Total noninterest income | $210,000 | 7,211 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $42,000 | 7,759 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $168,000 | 5,289 |
| Total noninterest expense | $600,000 | 8,930 |
| Salaries and employee benefits | $253,000 | 9,242 |
| Premises and equipment expense | $64,000 | 8,903 |
| Additional noninterest expense | $283,000 | 7,975 |
| Pre-tax net operating income | $-183,000 | 8,949 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-181,000 | 9,033 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-181,000 | 9,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,857 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 540 |
| Net operating income | $-183,000 | 8,975 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $714,000 | 9,583 |
| Total interest expense | $406,000 | 9,406 |
| Net interest income | $308,000 | 9,690 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $223,000 | 7,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 7,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 4,983 |
| Total noninterest expense | $538,000 | 9,300 |
| Salaries and employee benefits | $257,000 | 9,440 |
| Premises and equipment expense | $70,000 | 8,983 |
| Additional noninterest expense | $211,000 | 8,685 |
| Pre-tax net operating income | $-7,000 | 9,150 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-7,000 | 9,169 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-7,000 | 9,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,044 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-7,000 | 9,155 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $696,000 | 9,847 |
| Total interest expense | $365,000 | 9,705 |
| Net interest income | $331,000 | 9,921 |
| Provision for loan and lease losses | $90,000 | 5,432 |
| Total noninterest income | $198,000 | 7,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 7,982 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,541 |
| Total noninterest expense | $508,000 | 9,610 |
| Salaries and employee benefits | $219,000 | 9,843 |
| Premises and equipment expense | $69,000 | 9,247 |
| Additional noninterest expense | $220,000 | 8,838 |
| Pre-tax net operating income | $-69,000 | 9,507 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-12,000 | 9,682 |
| Income before extraordinary items | $-57,000 | 9,522 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-57,000 | 9,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,373 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-57,000 | 9,498 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $744,000 | 10,073 |
| Total interest expense | $387,000 | 9,911 |
| Net interest income | $357,000 | 10,134 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $200,000 | 7,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 5,595 |
| Total noninterest expense | $537,000 | 9,648 |
| Salaries and employee benefits | $246,000 | 9,897 |
| Premises and equipment expense | $72,000 | 9,327 |
| Additional noninterest expense | $219,000 | 8,908 |
| Pre-tax net operating income | $20,000 | 9,723 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,000 | 9,206 |
| Income before extraordinary items | $15,000 | 9,778 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $15,000 | 9,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $15,000 | 9,726 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 10,499 |
| Total interest expense | $417,000 | 10,305 |
| Net interest income | $363,000 | 10,605 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $206,000 | 7,762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,514 |
| Total noninterest expense | $517,000 | 10,069 |
| Salaries and employee benefits | $216,000 | 10,459 |
| Premises and equipment expense | $66,000 | 9,815 |
| Additional noninterest expense | $235,000 | 9,026 |
| Pre-tax net operating income | $52,000 | 10,236 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $52,000 | 10,235 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $52,000 | 10,236 |
| 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 | $52,000 | 10,201 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $737,000 | 11,091 |
| Total interest expense | $387,000 | 10,910 |
| Net interest income | $350,000 | 11,169 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $98,000 | 9,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,024 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,673 |
| Total noninterest expense | $379,000 | 11,029 |
| Salaries and employee benefits | $206,000 | 10,983 |
| Premises and equipment expense | $64,000 | 10,248 |
| Additional noninterest expense | $109,000 | 11,007 |
| Pre-tax net operating income | $69,000 | 10,514 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $6,000 | 10,431 |
| Income before extraordinary items | $63,000 | 10,504 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $63,000 | 10,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $13,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $63,000 | 10,453 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $693,000 | 11,635 |
| Total interest expense | $372,000 | 11,405 |
| Net interest income | $321,000 | 11,733 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $85,000 | 10,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $368,000 | 11,538 |
| Salaries and employee benefits | $205,000 | 11,476 |
| Premises and equipment expense | $61,000 | 10,750 |
| Additional noninterest expense | $102,000 | 11,596 |
| Pre-tax net operating income | $38,000 | 11,353 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $6,000 | 10,990 |
| Income before extraordinary items | $33,000 | 11,379 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $33,000 | 11,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $13,000 | 8,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $32,150 | 11,346 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $653,000 | 12,251 |
| Total interest expense | $303,000 | 12,028 |
| Net interest income | $350,000 | 12,331 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $81,000 | 11,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,213 |
| Total noninterest expense | $400,000 | 12,041 |
| Salaries and employee benefits | $189,000 | 12,139 |
| Premises and equipment expense | $65,000 | 11,133 |
| Additional noninterest expense | $146,000 | 11,834 |
| Pre-tax net operating income | $31,000 | 11,987 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $4,000 | 11,509 |
| Income before extraordinary items | $27,000 | 11,931 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $27,000 | 11,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $13,000 | 8,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $27,000 | 11,969 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $667,000 | 12,860 |
| Total interest expense | $342,000 | 12,488 |
| Net interest income | $325,000 | 12,964 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $93,000 | 11,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 10,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,699 |
| Total noninterest expense | $411,000 | 12,601 |
| Salaries and employee benefits | $179,000 | 12,788 |
| Premises and equipment expense | $64,000 | 11,705 |
| Additional noninterest expense | $168,000 | 12,178 |
| Pre-tax net operating income | $7,000 | 12,364 |
| Securities gains (losses) | $22,000 | 4,534 |
| Applicable income taxes | $19,000 | 11,624 |
| Income before extraordinary items | $10,000 | 12,480 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $10,000 | 12,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $13,000 | 8,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-4,080 | 12,410 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 13,474 |
| Total interest expense | $415,000 | 13,135 |
| Net interest income | $292,000 | 13,633 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $100,000 | 11,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $336,000 | 13,458 |
| Salaries and employee benefits | $159,000 | 13,490 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $116,000 | 13,378 |
| Pre-tax net operating income | $56,000 | 12,378 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $5,000 | 12,508 |
| Income before extraordinary items | $58,000 | 12,480 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $58,000 | 12,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $51,560 | 12,291 |
* 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.