Home > Commercial State Bank > Income and Expense
Commercial State Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,287,000 | 5,460 |
| Total interest expense | $2,703,000 | 5,095 |
| Net interest income | $2,584,000 | 5,715 |
| Provision for loan and lease losses | $484,000 | 1,764 |
| Total noninterest income | $587,000 | 4,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $474,000 | 2,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,342 |
| Total noninterest expense | $1,974,000 | 5,646 |
| Salaries and employee benefits | $1,144,000 | 5,249 |
| Premises and equipment expense | $442,000 | 4,081 |
| Additional noninterest expense | $388,000 | 7,318 |
| Pre-tax net operating income | $713,000 | 6,434 |
| Securities gains (losses) | $-3,000 | 9,968 |
| Applicable income taxes | $149,000 | 6,849 |
| Income before extraordinary items | $561,000 | 6,264 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $561,000 | 6,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,292 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $563,370 | 6,136 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,896,000 | 5,887 |
| Total interest expense | $2,394,000 | 5,582 |
| Net interest income | $2,502,000 | 6,056 |
| Provision for loan and lease losses | $105,000 | 5,052 |
| Total noninterest income | $500,000 | 4,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,381 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,233 |
| Total noninterest expense | $1,753,000 | 6,175 |
| Salaries and employee benefits | $986,000 | 5,920 |
| Premises and equipment expense | $385,000 | 4,571 |
| Additional noninterest expense | $382,000 | 7,511 |
| Pre-tax net operating income | $1,144,000 | 5,400 |
| Securities gains (losses) | $64,000 | 1,201 |
| Applicable income taxes | $351,000 | 5,291 |
| Income before extraordinary items | $857,000 | 5,233 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $857,000 | 5,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,367 |
| Cash dividends | $280,000 | 4,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $811,560 | 5,354 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,661,000 | 7,209 |
| Total interest expense | $1,599,000 | 7,334 |
| Net interest income | $2,062,000 | 7,019 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $378,000 | 6,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,512 |
| Total noninterest expense | $1,341,000 | 7,540 |
| Salaries and employee benefits | $788,000 | 7,038 |
| Premises and equipment expense | $259,000 | 6,120 |
| Additional noninterest expense | $294,000 | 8,948 |
| Pre-tax net operating income | $1,039,000 | 5,601 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $307,000 | 5,758 |
| Income before extraordinary items | $733,000 | 5,608 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $733,000 | 5,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,845 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $732,300 | 5,564 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,436,000 | 7,635 |
| Total interest expense | $1,412,000 | 7,946 |
| Net interest income | $2,024,000 | 7,252 |
| Provision for loan and lease losses | $207,000 | 2,933 |
| Total noninterest income | $375,000 | 6,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,502 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,460 |
| Total noninterest expense | $1,350,000 | 7,737 |
| Salaries and employee benefits | $770,000 | 7,265 |
| Premises and equipment expense | $223,000 | 6,784 |
| Additional noninterest expense | $357,000 | 8,631 |
| Pre-tax net operating income | $842,000 | 6,676 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $243,000 | 6,744 |
| Income before extraordinary items | $599,000 | 6,623 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $599,000 | 6,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,566 |
| Cash dividends | $220,000 | 5,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $599,000 | 6,612 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 8,075 |
| Total interest expense | $1,150,000 | 8,103 |
| Net interest income | $1,836,000 | 7,952 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $323,000 | 6,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 5,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $1,460,000 | 7,728 |
| Salaries and employee benefits | $812,000 | 7,138 |
| Premises and equipment expense | $216,000 | 7,121 |
| Additional noninterest expense | $432,000 | 8,508 |
| Pre-tax net operating income | $639,000 | 7,772 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $167,000 | 7,982 |
| Income before extraordinary items | $475,000 | 7,497 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $475,000 | 7,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,873 |
| Cash dividends | $240,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $472,780 | 7,561 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,847,000 | 8,587 |
| Total interest expense | $1,095,000 | 8,706 |
| Net interest income | $1,752,000 | 8,357 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $380,000 | 6,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $1,318,000 | 8,443 |
| Salaries and employee benefits | $747,000 | 7,660 |
| Premises and equipment expense | $188,000 | 7,937 |
| Additional noninterest expense | $383,000 | 9,447 |
| Pre-tax net operating income | $754,000 | 7,073 |
| Securities gains (losses) | $-6,000 | 12,616 |
| Applicable income taxes | $185,000 | 7,907 |
| Income before extraordinary items | $563,000 | 7,053 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $563,000 | 7,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $567,500 | 6,767 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 8,889 |
| Total interest expense | $1,362,000 | 8,986 |
| Net interest income | $1,687,000 | 8,693 |
| Provision for loan and lease losses | $143,000 | 6,243 |
| Total noninterest income | $364,000 | 6,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 4,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $1,226,000 | 8,932 |
| Salaries and employee benefits | $713,000 | 7,889 |
| Premises and equipment expense | $165,000 | 8,699 |
| Additional noninterest expense | $348,000 | 10,214 |
| Pre-tax net operating income | $682,000 | 7,200 |
| Securities gains (losses) | $-21,000 | 13,491 |
| Applicable income taxes | $159,000 | 8,397 |
| Income before extraordinary items | $502,000 | 7,318 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $502,000 | 7,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 5,373 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $517,960 | 6,803 |
* 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.