Home > Chapin State Bank > Income and Expense
Chapin State Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,388,000 | 6,947 |
| Total interest expense | $2,098,000 | 5,816 |
| Net interest income | $1,290,000 | 8,007 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $139,000 | 8,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 7,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,314 |
| Total noninterest expense | $1,106,000 | 7,831 |
| Salaries and employee benefits | $610,000 | 7,704 |
| Premises and equipment expense | $176,000 | 7,199 |
| Additional noninterest expense | $320,000 | 7,954 |
| Pre-tax net operating income | $299,000 | 8,095 |
| Securities gains (losses) | $23,000 | 1,318 |
| Applicable income taxes | $68,000 | 7,364 |
| Income before extraordinary items | $254,000 | 7,906 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $254,000 | 7,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 9,738 |
| Cash dividends | $99,000 | 6,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $235,830 | 8,017 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,333,000 | 7,141 |
| Total interest expense | $2,059,000 | 6,088 |
| Net interest income | $1,274,000 | 8,175 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $117,000 | 8,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,189 |
| Total noninterest expense | $1,059,000 | 7,945 |
| Salaries and employee benefits | $588,000 | 7,830 |
| Premises and equipment expense | $171,000 | 7,213 |
| Additional noninterest expense | $300,000 | 8,126 |
| Pre-tax net operating income | $308,000 | 8,343 |
| Securities gains (losses) | $26,000 | 2,229 |
| Applicable income taxes | $91,000 | 7,671 |
| Income before extraordinary items | $243,000 | 8,293 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $243,000 | 8,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $99,000 | 6,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $224,020 | 8,361 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,218,000 | 7,483 |
| Total interest expense | $1,930,000 | 6,398 |
| Net interest income | $1,288,000 | 8,493 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $130,000 | 8,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,261 |
| Total noninterest expense | $1,028,000 | 8,250 |
| Salaries and employee benefits | $573,000 | 8,100 |
| Premises and equipment expense | $172,000 | 7,344 |
| Additional noninterest expense | $283,000 | 8,495 |
| Pre-tax net operating income | $366,000 | 8,636 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $113,000 | 8,198 |
| Income before extraordinary items | $255,000 | 8,708 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $255,000 | 8,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,367 |
| Cash dividends | $99,000 | 6,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $253,620 | 8,680 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 7,922 |
| Total interest expense | $1,804,000 | 6,834 |
| Net interest income | $1,253,000 | 8,891 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $120,000 | 9,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,213 |
| Total noninterest expense | $973,000 | 8,764 |
| Salaries and employee benefits | $548,000 | 8,510 |
| Premises and equipment expense | $160,000 | 7,826 |
| Additional noninterest expense | $265,000 | 9,239 |
| Pre-tax net operating income | $376,000 | 8,652 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $121,000 | 8,388 |
| Income before extraordinary items | $252,000 | 8,817 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $252,000 | 8,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $91,000 | 6,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $254,040 | 8,740 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,882,000 | 8,399 |
| Total interest expense | $1,650,000 | 7,272 |
| Net interest income | $1,232,000 | 9,246 |
| Provision for loan and lease losses | $34,000 | 6,948 |
| Total noninterest income | $132,000 | 9,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 8,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,325 |
| Total noninterest expense | $1,012,000 | 8,897 |
| Salaries and employee benefits | $532,000 | 8,835 |
| Premises and equipment expense | $155,000 | 8,146 |
| Additional noninterest expense | $325,000 | 8,978 |
| Pre-tax net operating income | $318,000 | 9,620 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $93,000 | 9,312 |
| Income before extraordinary items | $218,000 | 9,737 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $218,000 | 9,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,213 |
| Cash dividends | $74,000 | 7,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $222,900 | 9,662 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,630,000 | 8,676 |
| Total interest expense | $1,325,000 | 7,471 |
| Net interest income | $1,305,000 | 9,449 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $128,000 | 10,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 8,813 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,512 |
| Total noninterest expense | $999,000 | 9,359 |
| Salaries and employee benefits | $508,000 | 9,320 |
| Premises and equipment expense | $150,000 | 8,551 |
| Additional noninterest expense | $341,000 | 9,459 |
| Pre-tax net operating income | $362,000 | 9,650 |
| Securities gains (losses) | $-13,000 | 10,028 |
| Applicable income taxes | $123,000 | 8,863 |
| Income before extraordinary items | $226,000 | 9,965 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $226,000 | 9,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,425 |
| Cash dividends | $58,000 | 7,793 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $234,450 | 9,941 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,595,000 | 9,015 |
| Total interest expense | $1,365,000 | 7,656 |
| Net interest income | $1,230,000 | 9,969 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $136,000 | 10,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 9,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,638 |
| Total noninterest expense | $1,005,000 | 9,706 |
| Salaries and employee benefits | $508,000 | 9,593 |
| Premises and equipment expense | $160,000 | 8,641 |
| Additional noninterest expense | $337,000 | 9,996 |
| Pre-tax net operating income | $291,000 | 10,311 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $101,000 | 9,717 |
| Income before extraordinary items | $190,000 | 10,762 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $190,000 | 10,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,663 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $190,000 | 10,543 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,083,000 | 8,832 |
| Total interest expense | $1,759,000 | 7,741 |
| Net interest income | $1,324,000 | 9,887 |
| Provision for loan and lease losses | $130,000 | 6,495 |
| Total noninterest income | $124,000 | 11,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 9,583 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $1,040,000 | 9,805 |
| Salaries and employee benefits | $534,000 | 9,430 |
| Premises and equipment expense | $146,000 | 9,235 |
| Additional noninterest expense | $360,000 | 10,069 |
| Pre-tax net operating income | $278,000 | 10,352 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $99,000 | 9,950 |
| Income before extraordinary items | $179,000 | 10,881 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $179,000 | 10,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 4,456 |
| Cash dividends | $25,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $179,000 | 10,548 |
* 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.