Home > DACOTAH BANK > Income and Expense

DACOTAH BANK, Income and Expense

2005-03-31 (YTD Data)		Rank
Total interest income	$1,522,000	4,442
Total interest expense	$534,000	3,847
Net interest income	$988,000	4,658
Provision for loan and lease losses	$63,000	2,791
Total noninterest income	$180,000	4,243
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$82,000	3,875
Trading account gains and fees	$0	115
Additional Noninterest Income	$98,000	3,767
Total noninterest expense	$1,144,000	3,449
Salaries and employee benefits	$553,000	3,794
Premises and equipment expense	$228,000	2,551
Additional noninterest expense	$363,000	3,266
Pre-tax net operating income	$-39,000	8,552
Securities gains (losses)	$0	1,685
Applicable income taxes	$-23,000	8,754
Income before extraordinary items	$-16,000	8,516
Extraordinary gains, net	$0	24
Net income	$-16,000	8,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	8,391
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-16,000	8,492
2004-12-31 (YTD Data)		Rank
Total interest income	$5,488,000	4,550
Total interest expense	$1,601,000	4,335
Net interest income	$3,887,000	4,573
Provision for loan and lease losses	$189,000	3,809
Total noninterest income	$790,000	4,087
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$336,000	4,043
Trading account gains and fees	$0	138
Additional Noninterest Income	$454,000	3,496
Total noninterest expense	$4,078,000	3,680
Salaries and employee benefits	$2,148,000	3,759
Premises and equipment expense	$563,000	3,728
Additional noninterest expense	$1,367,000	3,369
Pre-tax net operating income	$410,000	7,038
Securities gains (losses)	$0	3,819
Applicable income taxes	$141,000	5,174
Income before extraordinary items	$269,000	7,352
Extraordinary gains, net	$0	34
Net income	$269,000	7,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	3,253
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$269,000	7,308
2004-09-30 (YTD Data)		Rank
Total interest income	$3,982,000	4,627
Total interest expense	$1,114,000	4,502
Net interest income	$2,868,000	4,620
Provision for loan and lease losses	$126,000	3,901
Total noninterest income	$570,000	4,214
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$255,000	4,053
Trading account gains and fees	$0	134
Additional Noninterest Income	$315,000	3,643
Total noninterest expense	$2,796,000	3,935
Salaries and employee benefits	$1,508,000	3,939
Premises and equipment expense	$386,000	3,976
Additional noninterest expense	$902,000	3,711
Pre-tax net operating income	$516,000	6,255
Securities gains (losses)	$0	3,710
Applicable income taxes	$189,000	4,533
Income before extraordinary items	$327,000	6,741
Extraordinary gains, net	$0	26
Net income	$327,000	6,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	3,031
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$327,000	6,668
2004-06-30 (YTD Data)		Rank
Total interest income	$2,561,000	4,751
Total interest expense	$707,000	4,643
Net interest income	$1,854,000	4,725
Provision for loan and lease losses	$78,000	3,948
Total noninterest income	$350,000	4,423
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$158,000	4,210
Trading account gains and fees	$0	130
Additional Noninterest Income	$192,000	3,811
Total noninterest expense	$1,742,000	4,176
Salaries and employee benefits	$964,000	4,098
Premises and equipment expense	$231,000	4,319
Additional noninterest expense	$547,000	4,029
Pre-tax net operating income	$384,000	5,953
Securities gains (losses)	$0	3,413
Applicable income taxes	$137,000	4,397
Income before extraordinary items	$247,000	6,469
Extraordinary gains, net	$0	21
Net income	$247,000	6,469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	2,468
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$247,000	6,378
2004-03-31 (YTD Data)		Rank
Total interest income	$1,271,000	4,805
Total interest expense	$354,000	4,672
Net interest income	$917,000	4,762
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$183,000	4,279
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$74,000	4,298
Trading account gains and fees	$0	121
Additional Noninterest Income	$109,000	3,531
Total noninterest expense	$850,000	4,289
Salaries and employee benefits	$470,000	4,203
Premises and equipment expense	$97,000	4,884
Additional noninterest expense	$283,000	3,919
Pre-tax net operating income	$220,000	5,603
Securities gains (losses)	$0	2,934
Applicable income taxes	$76,000	4,215
Income before extraordinary items	$144,000	6,109
Extraordinary gains, net	$0	16
Net income	$144,000	6,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	1,505
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$144,000	5,993
2003-12-31 (YTD Data)		Rank
Total interest income	$5,083,000	4,837
Total interest expense	$1,575,000	4,733
Net interest income	$3,508,000	4,789
Provision for loan and lease losses	$350,000	2,851
Total noninterest income	$826,000	4,164
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$285,000	4,422
Trading account gains and fees	$0	160
Additional Noninterest Income	$541,000	3,453
Total noninterest expense	$3,307,000	4,309
Salaries and employee benefits	$1,780,000	4,299
Premises and equipment expense	$376,000	4,950
Additional noninterest expense	$1,151,000	3,844
Pre-tax net operating income	$677,000	6,084
Securities gains (losses)	$0	4,500
Applicable income taxes	$240,000	4,644
Income before extraordinary items	$437,000	6,627
Extraordinary gains, net	$0	54
Net income	$437,000	6,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	4,091
Cash dividends	$200,000	4,908
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$437,000	6,463
2003-09-30 (YTD Data)		Rank
Total interest income	$4,000,000	4,733
Total interest expense	$1,214,000	4,781
Net interest income	$2,786,000	4,623
Provision for loan and lease losses	$275,000	2,660
Total noninterest income	$428,000	5,136
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$212,000	4,456
Trading account gains and fees	$0	153
Additional Noninterest Income	$216,000	4,638
Total noninterest expense	$2,448,000	4,338
Salaries and employee benefits	$1,304,000	4,361
Premises and equipment expense	$275,000	5,014
Additional noninterest expense	$869,000	3,808
Pre-tax net operating income	$491,000	6,331
Securities gains (losses)	$0	4,204
Applicable income taxes	$160,000	4,998
Income before extraordinary items	$331,000	6,765
Extraordinary gains, net	$0	40
Net income	$331,000	6,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	3,651
Cash dividends	$200,000	4,010
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$331,000	6,590
2003-06-30 (YTD Data)		Rank
Total interest income	$2,677,000	4,746
Total interest expense	$836,000	4,800
Net interest income	$1,841,000	4,643
Provision for loan and lease losses	$200,000	2,502
Total noninterest income	$246,000	5,506
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$134,000	4,563
Trading account gains and fees	$0	150
Additional Noninterest Income	$112,000	5,124
Total noninterest expense	$1,604,000	4,381
Salaries and employee benefits	$853,000	4,419
Premises and equipment expense	$176,000	5,120
Additional noninterest expense	$575,000	3,831
Pre-tax net operating income	$283,000	6,609
Securities gains (losses)	$0	3,782
Applicable income taxes	$67,000	5,612
Income before extraordinary items	$216,000	6,827
Extraordinary gains, net	$0	30
Net income	$216,000	6,831
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-35,000	8,911
Cash dividends	$200,000	3,438
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$216,000	6,625
2003-03-31 (YTD Data)		Rank
Total interest income	$1,286,000	4,914
Total interest expense	$432,000	4,799
Net interest income	$854,000	4,858
Provision for loan and lease losses	$105,000	2,265
Total noninterest income	$122,000	5,426
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$62,000	4,671
Trading account gains and fees	$0	134
Additional Noninterest Income	$60,000	4,921
Total noninterest expense	$779,000	4,451
Salaries and employee benefits	$420,000	4,472
Premises and equipment expense	$90,000	5,048
Additional noninterest expense	$269,000	3,983
Pre-tax net operating income	$92,000	7,309
Securities gains (losses)	$0	2,891
Applicable income taxes	$19,000	6,113
Income before extraordinary items	$73,000	7,425
Extraordinary gains, net	$0	21
Net income	$73,000	7,426
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	4,268
Cash dividends	$200,000	2,197
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$73,000	7,270
2002-12-31 (YTD Data)		Rank
Total interest income	$5,575,000	4,796
Total interest expense	$2,153,000	4,581
Net interest income	$3,422,000	4,826
Provision for loan and lease losses	$421,000	2,720
Total noninterest income	$583,000	4,805
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$260,000	4,597
Trading account gains and fees	$0	153
Additional Noninterest Income	$323,000	4,093
Total noninterest expense	$3,081,000	4,367
Salaries and employee benefits	$1,665,000	4,332
Premises and equipment expense	$391,000	4,728
Additional noninterest expense	$1,025,000	4,099
Pre-tax net operating income	$503,000	6,753
Securities gains (losses)	$18,000	3,224
Applicable income taxes	$122,000	5,763
Income before extraordinary items	$399,000	6,854
Extraordinary gains, net	$0	70
Net income	$399,000	6,853
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$352,000	2,127
Cash dividends	$175,000	5,037
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$385,140	6,785
2001-12-31 (YTD Data)		Rank
Total interest income	$6,660,000	4,592
Total interest expense	$3,357,000	4,339
Net interest income	$3,303,000	4,748
Provision for loan and lease losses	$130,000	5,052
Total noninterest income	$501,000	5,066
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$214,000	5,012
Trading account gains and fees	$0	177
Additional Noninterest Income	$287,000	4,213
Total noninterest expense	$2,932,000	4,416
Salaries and employee benefits	$1,547,000	4,407
Premises and equipment expense	$356,000	4,968
Additional noninterest expense	$1,029,000	3,971
Pre-tax net operating income	$742,000	5,677
Securities gains (losses)	$6,000	3,836
Applicable income taxes	$164,000	5,317
Income before extraordinary items	$584,000	5,698
Extraordinary gains, net	$0	105
Net income	$584,000	5,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	3,001
Cash dividends	$1,000,000	2,212
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$579,320	5,588
2000-12-31 (YTD Data)		Rank
Total interest income	$3,628,000	6,798
Total interest expense	$1,764,000	6,672
Net interest income	$1,864,000	6,790
Provision for loan and lease losses	$30,000	7,204
Total noninterest income	$216,000	7,108
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$117,000	6,270
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	6,458
Total noninterest expense	$1,338,000	7,146
Salaries and employee benefits	$610,000	7,647
Premises and equipment expense	$182,000	7,052
Additional noninterest expense	$546,000	6,098
Pre-tax net operating income	$712,000	6,175
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$185,000	5,550
Income before extraordinary items	$526,000	6,186
Extraordinary gains, net	$0	38
Net income	$526,000	6,184
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,242
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$526,740	6,194
1999-12-31 (YTD Data)		Rank
Total interest income	$3,408,000	6,923
Total interest expense	$1,830,000	6,296
Net interest income	$1,578,000	7,439
Provision for loan and lease losses	$0	8,503
Total noninterest income	$234,000	7,106
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	6,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$108,000	6,454
Total noninterest expense	$1,062,000	7,945
Salaries and employee benefits	$623,000	7,626
Premises and equipment expense	$182,000	7,095
Additional noninterest expense	$257,000	8,492
Pre-tax net operating income	$750,000	6,128
Securities gains (losses)	$27,000	1,241
Applicable income taxes	$257,000	5,139
Income before extraordinary items	$520,000	6,300
Extraordinary gains, net	$0	35
Net income	$520,000	6,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,765
Cash dividends	$465,000	3,660
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$501,910	6,408
1998-12-31 (YTD Data)		Rank
Total interest income	$3,517,000	6,928
Total interest expense	$1,823,000	6,510
Net interest income	$1,694,000	7,301
Provision for loan and lease losses	$8,000	8,341
Total noninterest income	$223,000	7,296
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$124,000	6,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	6,659
Total noninterest expense	$1,052,000	7,961
Salaries and employee benefits	$597,000	7,777
Premises and equipment expense	$192,000	6,833
Additional noninterest expense	$263,000	8,471
Pre-tax net operating income	$857,000	5,883
Securities gains (losses)	$16,000	2,616
Applicable income taxes	$297,000	5,196
Income before extraordinary items	$576,000	6,178
Extraordinary gains, net	$0	32
Net income	$576,000	6,178
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,135
Cash dividends	$450,000	3,752
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$565,440	6,116
1997-12-31 (YTD Data)		Rank
Total interest income	$3,417,000	7,260
Total interest expense	$1,726,000	6,832
Net interest income	$1,691,000	7,571
Provision for loan and lease losses	$13,000	8,228
Total noninterest income	$245,000	7,279
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	6,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	6,420
Total noninterest expense	$1,051,000	8,164
Salaries and employee benefits	$594,000	7,959
Premises and equipment expense	$180,000	7,193
Additional noninterest expense	$277,000	8,567
Pre-tax net operating income	$872,000	6,244
Securities gains (losses)	$20,000	1,883
Applicable income taxes	$303,000	5,699
Income before extraordinary items	$589,000	6,433
Extraordinary gains, net	$0	44
Net income	$589,000	6,436
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,371
Cash dividends	$380,000	4,082
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$575,800	6,450
1996-12-31 (YTD Data)		Rank
Total interest income	$3,253,000	7,661
Total interest expense	$1,697,000	7,089
Net interest income	$1,556,000	8,135
Provision for loan and lease losses	$-40,000	11,174
Total noninterest income	$251,000	7,564
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$108,000	7,335
Trading account gains and fees	NA	NA
Additional Noninterest Income	$143,000	6,112
Total noninterest expense	$1,133,000	8,218
Salaries and employee benefits	$579,000	8,260
Premises and equipment expense	$186,000	7,295
Additional noninterest expense	$368,000	8,171
Pre-tax net operating income	$714,000	6,868
Securities gains (losses)	$47,000	1,369
Applicable income taxes	$256,000	6,373
Income before extraordinary items	$505,000	6,877
Extraordinary gains, net	$0	53
Net income	$505,000	6,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,424
Cash dividends	$275,000	4,746
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$473,980	7,026
1995-12-31 (YTD Data)		Rank
Total interest income	$3,153,000	8,007
Total interest expense	$1,574,000	7,496
Net interest income	$1,579,000	8,307
Provision for loan and lease losses	$13,000	8,094
Total noninterest income	$247,000	7,741
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$108,000	7,593
Trading account gains and fees	NA	NA
Additional Noninterest Income	$139,000	6,201
Total noninterest expense	$1,075,000	8,673
Salaries and employee benefits	$567,000	8,599
Premises and equipment expense	$176,000	7,691
Additional noninterest expense	$332,000	8,893
Pre-tax net operating income	$738,000	7,124
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$254,000	6,590
Income before extraordinary items	$485,000	7,366
Extraordinary gains, net	$0	65
Net income	$485,000	7,366
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,779
Cash dividends	$285,000	4,691
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$484,340	7,333
1994-12-31 (YTD Data)		Rank
Total interest income	$2,736,000	8,492
Total interest expense	$1,290,000	7,582
Net interest income	$1,446,000	9,026
Provision for loan and lease losses	$5,000	8,812
Total noninterest income	$250,000	7,945
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	7,816
Trading account gains and fees	NA	NA
Additional Noninterest Income	$139,000	6,445
Total noninterest expense	$1,035,000	9,228
Salaries and employee benefits	$520,000	9,203
Premises and equipment expense	$170,000	8,080
Additional noninterest expense	$345,000	9,412
Pre-tax net operating income	$656,000	7,669
Securities gains (losses)	$37,000	1,338
Applicable income taxes	$231,000	6,821
Income before extraordinary items	$462,000	7,603
Extraordinary gains, net	$0	249
Net income	$462,000	7,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,099
Cash dividends	$250,000	4,888
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$437,210	7,885
1993-12-31 (YTD Data)		Rank
Total interest income	$2,777,000	8,705
Total interest expense	$1,361,000	7,673
Net interest income	$1,416,000	9,371
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$246,000	8,423
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	8,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$145,000	6,670
Total noninterest expense	$1,004,000	9,710
Salaries and employee benefits	$488,000	9,786
Premises and equipment expense	$167,000	8,450
Additional noninterest expense	$349,000	9,849
Pre-tax net operating income	$646,000	7,644
Securities gains (losses)	$68,000	3,011
Applicable income taxes	$238,000	6,981
Income before extraordinary items	$476,000	7,734
Extraordinary gains, net	$-19,000	12,447
Net income	$457,000	8,089
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	8,678
Cash dividends	$257,000	4,772
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$430,440	7,869
1992-12-31 (YTD Data)		Rank
Total interest income	$3,175,000	8,680
Total interest expense	$1,698,000	7,899
Net interest income	$1,477,000	9,346
Provision for loan and lease losses	$25,000	10,242
Total noninterest income	$228,000	8,889
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	8,491
Trading account gains and fees	NA	NA
Additional Noninterest Income	$127,000	7,254
Total noninterest expense	$1,029,000	9,855
Salaries and employee benefits	$488,000	9,890
Premises and equipment expense	$190,000	8,078
Additional noninterest expense	$351,000	10,182
Pre-tax net operating income	$651,000	7,384
Securities gains (losses)	$238,000	1,782
Applicable income taxes	$304,000	5,874
Income before extraordinary items	$585,000	6,667
Extraordinary gains, net	$0	1,422
Net income	$585,000	6,750
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	12,606
Cash dividends	$495,000	2,859
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$427,920	7,591

* 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.