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Clayton State Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$1,324,0008,884
Total interest expense$442,0009,107
Net interest income$882,0008,510
Provision for loan and lease losses$29,0007,298
Total noninterest income$207,0007,240
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$158,0005,693
Trading account gains and fees$0177
Additional Noninterest Income$49,0007,713
Total noninterest expense$604,0008,920
Salaries and employee benefits$320,0008,987
Premises and equipment expense$108,0008,182
Additional noninterest expense$176,0008,851
Pre-tax net operating income$456,0006,729
Securities gains (losses)$04,612
Applicable income taxes$106,0005,939
Income before extraordinary items$350,0006,830
Extraordinary gains, net$0105
Net income$350,0006,831
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0006,729
Cash dividends$350,0004,106
Sale, conversion, retirement of capital stock, net$0922
Net operating income$350,0006,717
2000-12-31 (YTD Data)Rank
Total interest income$1,286,0009,168
Total interest expense$487,0009,274
Net interest income$799,0008,903
Provision for loan and lease losses$08,337
Total noninterest income$157,0007,786
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$121,0006,214
Trading account gains and feesNANA
Additional Noninterest Income$36,0008,303
Total noninterest expense$544,0009,278
Salaries and employee benefits$295,0009,282
Premises and equipment expense$93,0008,565
Additional noninterest expense$156,0009,189
Pre-tax net operating income$412,0007,406
Securities gains (losses)$01,956
Applicable income taxes$100,0006,505
Income before extraordinary items$312,0007,394
Extraordinary gains, net$038
Net income$312,0007,393
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,468
Cash dividends$305,0004,436
Sale, conversion, retirement of capital stock, net$0969
Net operating income$312,0007,398
1999-12-31 (YTD Data)Rank
Total interest income$1,209,0009,413
Total interest expense$433,0009,583
Net interest income$776,0009,112
Provision for loan and lease losses$21,0007,629
Total noninterest income$142,0008,207
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$115,0006,446
Trading account gains and feesNANA
Additional Noninterest Income$27,0008,963
Total noninterest expense$512,0009,602
Salaries and employee benefits$299,0009,470
Premises and equipment expense$70,0009,216
Additional noninterest expense$143,0009,577
Pre-tax net operating income$385,0007,666
Securities gains (losses)$03,155
Applicable income taxes$90,0007,066
Income before extraordinary items$295,0007,635
Extraordinary gains, net$035
Net income$295,0007,634
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0009,087
Cash dividends$290,0004,629
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$295,0007,605
1998-12-31 (YTD Data)Rank
Total interest income$1,250,0009,597
Total interest expense$460,0009,782
Net interest income$790,0009,275
Provision for loan and lease losses$08,652
Total noninterest income$135,0008,471
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$112,0006,631
Trading account gains and feesNANA
Additional Noninterest Income$23,0009,338
Total noninterest expense$526,0009,686
Salaries and employee benefits$322,0009,488
Premises and equipment expense$57,0009,657
Additional noninterest expense$147,0009,685
Pre-tax net operating income$399,0007,884
Securities gains (losses)$1,0004,151
Applicable income taxes$91,0007,671
Income before extraordinary items$309,0007,811
Extraordinary gains, net$032
Net income$309,0007,810
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,482
Cash dividends$300,0004,531
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$308,2307,737
1997-12-31 (YTD Data)Rank
Total interest income$1,302,0009,928
Total interest expense$511,00010,078
Net interest income$791,0009,698
Provision for loan and lease losses$08,829
Total noninterest income$157,0008,473
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$122,0006,714
Trading account gains and feesNANA
Additional Noninterest Income$35,0009,104
Total noninterest expense$546,0009,955
Salaries and employee benefits$351,0009,588
Premises and equipment expense$55,00010,079
Additional noninterest expense$140,00010,120
Pre-tax net operating income$402,0008,440
Securities gains (losses)$-5,0009,661
Applicable income taxes$107,0008,293
Income before extraordinary items$290,0008,454
Extraordinary gains, net$044
Net income$290,0008,455
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,506
Cash dividends$275,0004,748
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$293,6508,385
1996-12-31 (YTD Data)Rank
Total interest income$1,656,0009,881
Total interest expense$747,0009,820
Net interest income$909,0009,811
Provision for loan and lease losses$245,0002,976
Total noninterest income$168,0008,719
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$134,0006,768
Trading account gains and feesNANA
Additional Noninterest Income$34,0009,653
Total noninterest expense$1,568,0006,926
Salaries and employee benefits$306,00010,300
Premises and equipment expense$54,00010,520
Additional noninterest expense$1,208,0003,760
Pre-tax net operating income$-736,00011,299
Securities gains (losses)$-32,00010,876
Applicable income taxes$70,0009,328
Income before extraordinary items$-838,00011,343
Extraordinary gains, net$053
Net income$-838,00011,343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$205,0002,630
Cash dividends$1,100,0001,990
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-806,00011,315
1995-12-31 (YTD Data)Rank
Total interest income$308,00011,876
Total interest expense$134,00011,839
Net interest income$174,00011,887
Provision for loan and lease losses$08,958
Total noninterest income$30,00011,660
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$13,00010,140
Trading account gains and feesNANA
Additional Noninterest Income$17,00011,076
Total noninterest expense$114,00011,947
Salaries and employee benefits$44,00011,948
Premises and equipment expense$13,00011,869
Additional noninterest expense$57,00011,874
Pre-tax net operating income$90,00011,140
Securities gains (losses)$03,831
Applicable income taxes$16,00010,816
Income before extraordinary items$74,00011,147
Extraordinary gains, net$065
Net income$74,00011,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,475
Cash dividends$50,0007,734
Sale, conversion, retirement of capital stock, net$0809
Net operating income$74,00011,124
1994-12-31 (YTD Data)Rank
Total interest income$1,827,00010,110
Total interest expense$706,00010,059
Net interest income$1,121,0009,998
Provision for loan and lease losses$43,0006,473
Total noninterest income$121,00010,271
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$103,0008,012
Trading account gains and feesNANA
Additional Noninterest Income$18,00011,564
Total noninterest expense$915,0009,707
Salaries and employee benefits$670,0008,118
Premises and equipment expense$74,00010,838
Additional noninterest expense$171,00011,508
Pre-tax net operating income$284,00010,251
Securities gains (losses)$03,600
Applicable income taxes$108,0009,171
Income before extraordinary items$176,00010,542
Extraordinary gains, net$0249
Net income$176,00010,548
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,622
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$176,00010,586
1993-12-31 (YTD Data)Rank
Total interest income$1,809,00010,578
Total interest expense$547,00011,434
Net interest income$1,262,0009,864
Provision for loan and lease losses$12,0009,545
Total noninterest income$114,00010,983
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$99,0008,412
Trading account gains and feesNANA
Additional Noninterest Income$15,00012,399
Total noninterest expense$893,00010,218
Salaries and employee benefits$640,0008,474
Premises and equipment expense$79,00011,181
Additional noninterest expense$174,00012,102
Pre-tax net operating income$471,0008,852
Securities gains (losses)$07,477
Applicable income taxes$234,0007,024
Income before extraordinary items$237,00010,185
Extraordinary gains, net$03,149
Net income$237,00010,323
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0008,388
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$237,0009,943
1992-12-31 (YTD Data)Rank
Total interest income$1,929,00011,038
Total interest expense$828,00011,198
Net interest income$1,101,00010,694
Provision for loan and lease losses$42,0009,403
Total noninterest income$86,00012,095
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$70,0009,546
Trading account gains and feesNANA
Additional Noninterest Income$16,00012,899
Total noninterest expense$768,00011,162
Salaries and employee benefits$528,0009,501
Premises and equipment expense$19,00013,693
Additional noninterest expense$221,00011,944
Pre-tax net operating income$377,0009,447
Securities gains (losses)$08,369
Applicable income taxes$100,0009,918
Income before extraordinary items$277,0009,589
Extraordinary gains, net$01,422
Net income$277,0009,726
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,00010,059
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$277,0009,227

* 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.