Home > Community Bank St. Peter > Income and Expense

Community Bank St. Peter, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,380,000	9,440
Total interest expense	$624,000	9,413
Net interest income	$756,000	9,360
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$225,000	7,278
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$167,000	5,651
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	7,880
Total noninterest expense	$836,000	8,648
Salaries and employee benefits	$399,000	8,978
Premises and equipment expense	$144,000	7,784
Additional noninterest expense	$293,000	8,176
Pre-tax net operating income	$133,000	9,267
Securities gains (losses)	$0	4,449
Applicable income taxes	$53,000	8,285
Income before extraordinary items	$84,000	9,442
Extraordinary gains, net	$0	32
Net income	$84,000	9,443
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,737
Cash dividends	$80,000	6,486
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$84,000	9,379
1997-12-31 (YTD Data)		Rank
Total interest income	$1,195,000	10,069
Total interest expense	$546,000	9,981
Net interest income	$649,000	10,070
Provision for loan and lease losses	$-24,000	10,651
Total noninterest income	$231,000	7,453
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$154,000	6,111
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	7,483
Total noninterest expense	$718,000	9,336
Salaries and employee benefits	$361,000	9,523
Premises and equipment expense	$125,000	8,362
Additional noninterest expense	$232,000	9,050
Pre-tax net operating income	$186,000	9,650
Securities gains (losses)	$0	3,944
Applicable income taxes	$50,000	9,253
Income before extraordinary items	$136,000	9,714
Extraordinary gains, net	$0	44
Net income	$136,000	9,715
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	10,497
Cash dividends	$75,000	6,827
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$136,000	9,667
1996-12-31 (YTD Data)		Rank
Total interest income	$1,037,000	10,763
Total interest expense	$462,000	10,711
Net interest income	$575,000	10,720
Provision for loan and lease losses	$0	9,041
Total noninterest income	$212,000	8,058
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$116,000	7,151
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	7,256
Total noninterest expense	$621,000	10,091
Salaries and employee benefits	$295,000	10,389
Premises and equipment expense	$87,000	9,625
Additional noninterest expense	$239,000	9,517
Pre-tax net operating income	$166,000	9,991
Securities gains (losses)	$0	4,148
Applicable income taxes	$65,000	9,414
Income before extraordinary items	$101,000	10,209
Extraordinary gains, net	$0	53
Net income	$101,000	10,208
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,424
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$101,000	10,160
1995-12-31 (YTD Data)		Rank
Total interest income	$996,000	11,282
Total interest expense	$396,000	11,342
Net interest income	$600,000	11,126
Provision for loan and lease losses	$0	8,958
Total noninterest income	$131,000	9,641
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	7,837
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	10,076
Total noninterest expense	$516,000	10,951
Salaries and employee benefits	$234,000	11,275
Premises and equipment expense	$68,000	10,529
Additional noninterest expense	$214,000	10,254
Pre-tax net operating income	$215,000	10,368
Securities gains (losses)	$0	3,831
Applicable income taxes	$90,000	9,389
Income before extraordinary items	$125,000	10,700
Extraordinary gains, net	$0	65
Net income	$125,000	10,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$75,000	7,260
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$125,000	10,679
1994-12-31 (YTD Data)		Rank
Total interest income	$916,000	11,860
Total interest expense	$341,000	11,855
Net interest income	$575,000	11,783
Provision for loan and lease losses	$83,000	4,972
Total noninterest income	$165,000	9,413
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	8,150
Trading account gains and fees	NA	NA
Additional Noninterest Income	$67,000	8,779
Total noninterest expense	$536,000	11,426
Salaries and employee benefits	$235,000	11,792
Premises and equipment expense	$57,000	11,399
Additional noninterest expense	$244,000	10,595
Pre-tax net operating income	$121,000	11,487
Securities gains (losses)	$0	3,600
Applicable income taxes	$28,000	10,970
Income before extraordinary items	$93,000	11,452
Extraordinary gains, net	$0	249
Net income	$93,000	11,457
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,773
Cash dividends	$100,000	6,840
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$93,000	11,492
1993-12-31 (YTD Data)		Rank
Total interest income	$641,000	12,894
Total interest expense	$266,000	12,795
Net interest income	$375,000	12,862
Provision for loan and lease losses	$0	10,371
Total noninterest income	$117,000	10,904
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	9,801
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	9,542
Total noninterest expense	$355,000	12,813
Salaries and employee benefits	$161,000	12,914
Premises and equipment expense	$53,000	12,113
Additional noninterest expense	$141,000	12,530
Pre-tax net operating income	$137,000	11,578
Securities gains (losses)	$0	7,477
Applicable income taxes	$48,000	10,991
Income before extraordinary items	$89,000	11,912
Extraordinary gains, net	$14,000	2,843
Net income	$103,000	11,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	8,297
Cash dividends	$550,000	2,841
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$89,000	11,733
1992-12-31 (YTD Data)		Rank
Total interest income	$1,022,000	12,983
Total interest expense	$509,000	12,725
Net interest income	$513,000	13,035
Provision for loan and lease losses	$65,000	8,399
Total noninterest income	$192,000	9,572
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	9,234
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	7,627
Total noninterest expense	$417,000	13,083
Salaries and employee benefits	$178,000	13,339
Premises and equipment expense	$70,000	11,871
Additional noninterest expense	$169,000	12,668
Pre-tax net operating income	$223,000	10,855
Securities gains (losses)	$22,000	5,460
Applicable income taxes	$77,000	10,525
Income before extraordinary items	$168,000	11,022
Extraordinary gains, net	$0	1,422
Net income	$168,000	11,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	7,255
Cash dividends	$115,000	6,307
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$152,820	10,899

* 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.