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Clinton State Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$5,061,0005,753
Total interest expense$1,988,0006,290
Net interest income$3,073,0005,204
Provision for loan and lease losses$63,0006,100
Total noninterest income$384,0005,854
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$255,0004,591
Trading account gains and feesNANA
Additional Noninterest Income$129,0006,088
Total noninterest expense$1,769,0006,136
Salaries and employee benefits$929,0006,155
Premises and equipment expense$165,0007,471
Additional noninterest expense$675,0005,355
Pre-tax net operating income$1,625,0004,177
Securities gains (losses)$-31,00010,527
Applicable income taxes$552,0003,927
Income before extraordinary items$1,042,0004,551
Extraordinary gains, net$044
Net income$1,042,0004,550
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0004,456
Cash dividends$950,0002,289
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,062,1504,418
1996-12-31 (YTD Data)Rank
Total interest income$4,767,0006,142
Total interest expense$1,917,0006,591
Net interest income$2,850,0005,655
Provision for loan and lease losses$60,0006,086
Total noninterest income$393,0005,997
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$282,0004,426
Trading account gains and feesNANA
Additional Noninterest Income$111,0006,836
Total noninterest expense$1,724,0006,566
Salaries and employee benefits$924,0006,342
Premises and equipment expense$195,0007,111
Additional noninterest expense$605,0006,322
Pre-tax net operating income$1,459,0004,442
Securities gains (losses)$-36,00010,916
Applicable income taxes$481,0004,269
Income before extraordinary items$942,0004,720
Extraordinary gains, net$053
Net income$942,0004,721
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0006,815
Cash dividends$400,0003,860
Sale, conversion, retirement of capital stock, net$0953
Net operating income$965,7604,569
1995-12-31 (YTD Data)Rank
Total interest income$4,254,0006,745
Total interest expense$1,757,0007,001
Net interest income$2,497,0006,334
Provision for loan and lease losses$60,0005,704
Total noninterest income$426,0005,749
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$283,0004,489
Trading account gains and feesNANA
Additional Noninterest Income$143,0006,129
Total noninterest expense$1,797,0006,467
Salaries and employee benefits$918,0006,473
Premises and equipment expense$172,0007,765
Additional noninterest expense$707,0005,798
Pre-tax net operating income$1,066,0005,727
Securities gains (losses)$-90,00011,443
Applicable income taxes$333,0005,623
Income before extraordinary items$643,0006,355
Extraordinary gains, net$065
Net income$643,0006,353
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,109
Cash dividends$950,0002,150
Sale, conversion, retirement of capital stock, net$0809
Net operating income$702,4005,962
1994-12-31 (YTD Data)Rank
Total interest income$3,768,0006,979
Total interest expense$1,476,0006,958
Net interest income$2,292,0006,879
Provision for loan and lease losses$-2,00011,685
Total noninterest income$340,0006,779
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$263,0004,849
Trading account gains and feesNANA
Additional Noninterest Income$77,0008,362
Total noninterest expense$1,611,0007,264
Salaries and employee benefits$847,0006,941
Premises and equipment expense$296,0005,783
Additional noninterest expense$468,0008,175
Pre-tax net operating income$1,023,0005,859
Securities gains (losses)$8,0002,362
Applicable income taxes$373,0005,026
Income before extraordinary items$658,0006,167
Extraordinary gains, net$0249
Net income$658,0006,187
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,270
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$652,8806,276
1993-12-31 (YTD Data)Rank
Total interest income$3,833,0007,077
Total interest expense$1,559,0007,023
Net interest income$2,274,0006,979
Provision for loan and lease losses$289,0003,102
Total noninterest income$347,0007,063
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$288,0004,578
Trading account gains and feesNANA
Additional Noninterest Income$59,0009,584
Total noninterest expense$2,047,0006,210
Salaries and employee benefits$964,0006,342
Premises and equipment expense$302,0005,819
Additional noninterest expense$781,0006,038
Pre-tax net operating income$285,00010,361
Securities gains (losses)$39,0003,767
Applicable income taxes$95,0009,865
Income before extraordinary items$229,00010,283
Extraordinary gains, net$03,149
Net income$229,00010,408
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$101,0004,534
Cash dividends$525,0002,950
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$201,31010,415
1992-12-31 (YTD Data)Rank
Total interest income$4,324,0007,108
Total interest expense$1,976,0007,163
Net interest income$2,348,0006,895
Provision for loan and lease losses$45,0009,299
Total noninterest income$387,0006,670
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$319,0004,233
Trading account gains and feesNANA
Additional Noninterest Income$68,0009,388
Total noninterest expense$1,942,0006,527
Salaries and employee benefits$996,0006,055
Premises and equipment expense$213,0007,557
Additional noninterest expense$733,0006,527
Pre-tax net operating income$748,0006,837
Securities gains (losses)$76,0003,457
Applicable income taxes$256,0006,571
Income before extraordinary items$568,0006,792
Extraordinary gains, net$01,422
Net income$568,0006,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0007,883
Cash dividends$515,0002,709
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$515,5606,822

* 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.