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Cleburne State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$5,898,0005,065
Total interest expense$2,316,0005,639
Net interest income$3,582,0004,495
Provision for loan and lease losses$50,0006,568
Total noninterest income$1,004,0003,072
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$741,0001,714
Trading account gains and feesNANA
Additional Noninterest Income$263,0004,296
Total noninterest expense$2,930,0004,213
Salaries and employee benefits$1,446,0004,363
Premises and equipment expense$422,0004,240
Additional noninterest expense$1,062,0003,753
Pre-tax net operating income$1,606,0003,977
Securities gains (losses)$38,0001,949
Applicable income taxes$560,0003,575
Income before extraordinary items$1,084,0004,236
Extraordinary gains, net$032
Net income$1,084,0004,235
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,378
Cash dividends$319,0004,428
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,058,9204,215
1997-12-31 (YTD Data)Rank
Total interest income$5,602,0005,331
Total interest expense$2,274,0005,755
Net interest income$3,328,0004,908
Provision for loan and lease losses$08,829
Total noninterest income$858,0003,410
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$594,0002,211
Trading account gains and feesNANA
Additional Noninterest Income$264,0004,238
Total noninterest expense$2,728,0004,441
Salaries and employee benefits$1,335,0004,679
Premises and equipment expense$382,0004,605
Additional noninterest expense$1,011,0003,861
Pre-tax net operating income$1,458,0004,594
Securities gains (losses)$1,0003,559
Applicable income taxes$496,0004,237
Income before extraordinary items$963,0004,829
Extraordinary gains, net$044
Net income$963,0004,829
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,179
Cash dividends$319,0004,432
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$962,3404,777
1996-12-31 (YTD Data)Rank
Total interest income$4,973,0005,960
Total interest expense$1,968,0006,472
Net interest income$3,005,0005,437
Provision for loan and lease losses$09,041
Total noninterest income$656,0004,292
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$420,0003,206
Trading account gains and feesNANA
Additional Noninterest Income$236,0004,706
Total noninterest expense$2,270,0005,406
Salaries and employee benefits$1,078,0005,666
Premises and equipment expense$298,0005,628
Additional noninterest expense$894,0004,784
Pre-tax net operating income$1,391,0004,598
Securities gains (losses)$2,0003,501
Applicable income taxes$473,0004,334
Income before extraordinary items$920,0004,794
Extraordinary gains, net$053
Net income$920,0004,795
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$100,0003,939
Cash dividends$318,0004,386
Sale, conversion, retirement of capital stock, net$0953
Net operating income$918,6804,745
1995-12-31 (YTD Data)Rank
Total interest income$4,500,0006,462
Total interest expense$1,804,0006,893
Net interest income$2,696,0005,970
Provision for loan and lease losses$08,958
Total noninterest income$668,0004,239
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$444,0003,044
Trading account gains and feesNANA
Additional Noninterest Income$224,0004,795
Total noninterest expense$2,074,0005,822
Salaries and employee benefits$920,0006,459
Premises and equipment expense$208,0007,042
Additional noninterest expense$946,0004,561
Pre-tax net operating income$1,290,0004,996
Securities gains (losses)$-7,0009,876
Applicable income taxes$433,0004,664
Income before extraordinary items$850,0005,219
Extraordinary gains, net$065
Net income$850,0005,216
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0003,600
Cash dividends$300,0004,483
Sale, conversion, retirement of capital stock, net$0809
Net operating income$854,6205,183
1994-12-31 (YTD Data)Rank
Total interest income$3,921,0006,803
Total interest expense$1,394,0007,223
Net interest income$2,527,0006,429
Provision for loan and lease losses$09,146
Total noninterest income$606,0004,620
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$487,0002,830
Trading account gains and feesNANA
Additional Noninterest Income$119,0006,953
Total noninterest expense$1,982,0006,256
Salaries and employee benefits$805,0007,182
Premises and equipment expense$198,0007,470
Additional noninterest expense$979,0004,796
Pre-tax net operating income$1,151,0005,389
Securities gains (losses)$-13,00010,028
Applicable income taxes$382,0004,925
Income before extraordinary items$756,0005,582
Extraordinary gains, net$0249
Net income$756,0005,598
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$372,0001,661
Cash dividends$250,0004,888
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$764,5805,606
1993-12-31 (YTD Data)Rank
Total interest income$1,392,00011,468
Total interest expense$508,00011,648
Net interest income$884,00011,220
Provision for loan and lease losses$010,371
Total noninterest income$224,0008,790
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$187,0006,233
Trading account gains and feesNANA
Additional Noninterest Income$37,00010,863
Total noninterest expense$766,00010,842
Salaries and employee benefits$325,00011,404
Premises and equipment expense$86,00010,933
Additional noninterest expense$355,0009,784
Pre-tax net operating income$342,0009,883
Securities gains (losses)$07,477
Applicable income taxes$118,0009,353
Income before extraordinary items$224,00010,357
Extraordinary gains, net$03,149
Net income$224,00010,471
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$47,0006,165
Cash dividends$102,0006,819
Sale, conversion, retirement of capital stock, net$913,000494
Net operating income$224,00010,115
1992-12-31 (YTD Data)Rank
Total interest income$4,336,0007,095
Total interest expense$1,827,0007,548
Net interest income$2,509,0006,576
Provision for loan and lease losses$717,0002,333
Total noninterest income$664,0004,598
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$522,0002,654
Trading account gains and feesNANA
Additional Noninterest Income$142,0006,834
Total noninterest expense$2,430,0005,436
Salaries and employee benefits$783,0007,377
Premises and equipment expense$238,0007,007
Additional noninterest expense$1,409,0003,779
Pre-tax net operating income$26,00012,564
Securities gains (losses)$08,369
Applicable income taxes$-7,00013,388
Income before extraordinary items$33,00012,693
Extraordinary gains, net$01,422
Net income$33,00012,686
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$875,0001,703
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$33,00012,445

* 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.