Home > Dayton State Bank > Income and Expense
Dayton State Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $598,000 | 9,915 |
| Total interest expense | $178,000 | 9,961 |
| Net interest income | $420,000 | 9,797 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $152,000 | 8,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,410 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,625 |
| Total noninterest expense | $346,000 | 9,989 |
| Salaries and employee benefits | $136,000 | 10,076 |
| Premises and equipment expense | $56,000 | 9,517 |
| Additional noninterest expense | $154,000 | 9,478 |
| Pre-tax net operating income | $206,000 | 8,551 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $68,000 | 7,364 |
| Income before extraordinary items | $138,000 | 8,729 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $138,000 | 8,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,677 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $138,000 | 8,684 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,418,000 | 4,733 |
| Total interest expense | $2,006,000 | 6,186 |
| Net interest income | $4,412,000 | 3,793 |
| Provision for loan and lease losses | $-45,000 | 10,274 |
| Total noninterest income | $1,433,000 | 2,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,061,000 | 1,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $372,000 | 3,579 |
| Total noninterest expense | $4,201,000 | 3,090 |
| Salaries and employee benefits | $2,370,000 | 2,864 |
| Premises and equipment expense | $603,000 | 3,160 |
| Additional noninterest expense | $1,228,000 | 3,306 |
| Pre-tax net operating income | $1,689,000 | 3,824 |
| Securities gains (losses) | $30,000 | 2,123 |
| Applicable income taxes | $472,000 | 3,993 |
| Income before extraordinary items | $1,247,000 | 3,807 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,247,000 | 3,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-191,000 | 10,349 |
| Cash dividends | $188,000 | 5,486 |
| Sale, conversion, retirement of capital stock, net | $-419,000 | 10,394 |
| Net operating income | $1,225,100 | 3,769 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,843,000 | 5,168 |
| Total interest expense | $1,803,000 | 6,678 |
| Net interest income | $4,040,000 | 4,202 |
| Provision for loan and lease losses | $158,000 | 4,024 |
| Total noninterest income | $1,234,000 | 2,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,006,000 | 1,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 4,638 |
| Total noninterest expense | $3,722,000 | 3,388 |
| Salaries and employee benefits | $2,171,000 | 3,053 |
| Premises and equipment expense | $533,000 | 3,501 |
| Additional noninterest expense | $1,018,000 | 3,839 |
| Pre-tax net operating income | $1,386,000 | 4,749 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $387,000 | 4,974 |
| Income before extraordinary items | $1,003,000 | 4,699 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,003,000 | 4,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,289 |
| Cash dividends | $119,000 | 6,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,000,120 | 4,644 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,484,000 | 5,535 |
| Total interest expense | $1,643,000 | 7,228 |
| Net interest income | $3,841,000 | 4,478 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $1,080,000 | 2,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $928,000 | 1,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,934 |
| Total noninterest expense | $3,508,000 | 3,764 |
| Salaries and employee benefits | $1,946,000 | 3,417 |
| Premises and equipment expense | $489,000 | 3,845 |
| Additional noninterest expense | $1,073,000 | 4,161 |
| Pre-tax net operating income | $1,393,000 | 4,595 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $396,000 | 4,923 |
| Income before extraordinary items | $1,003,000 | 4,503 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,003,000 | 4,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,582 |
| Cash dividends | $119,000 | 6,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $998,680 | 4,464 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,383,000 | 5,671 |
| Total interest expense | $1,628,000 | 7,332 |
| Net interest income | $3,755,000 | 4,563 |
| Provision for loan and lease losses | $-22,000 | 11,479 |
| Total noninterest income | $1,023,000 | 3,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $815,000 | 1,659 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,016 |
| Total noninterest expense | $3,366,000 | 3,886 |
| Salaries and employee benefits | $1,831,000 | 3,588 |
| Premises and equipment expense | $439,000 | 4,194 |
| Additional noninterest expense | $1,096,000 | 4,036 |
| Pre-tax net operating income | $1,434,000 | 4,616 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $367,000 | 5,253 |
| Income before extraordinary items | $1,072,000 | 4,339 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,072,000 | 4,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,113 |
| Cash dividends | $109,000 | 6,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,068,300 | 4,347 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,439,000 | 6,205 |
| Total interest expense | $1,247,000 | 7,729 |
| Net interest income | $3,192,000 | 5,333 |
| Provision for loan and lease losses | $-50,000 | 11,988 |
| Total noninterest income | $840,000 | 3,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $663,000 | 2,043 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,670 |
| Total noninterest expense | $2,905,000 | 4,538 |
| Salaries and employee benefits | $1,515,000 | 4,243 |
| Premises and equipment expense | $358,000 | 5,012 |
| Additional noninterest expense | $1,032,000 | 4,596 |
| Pre-tax net operating income | $1,177,000 | 5,308 |
| Securities gains (losses) | $42,000 | 1,262 |
| Applicable income taxes | $367,000 | 5,078 |
| Income before extraordinary items | $852,000 | 5,108 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $852,000 | 5,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $99,000 | 6,989 |
| Sale, conversion, retirement of capital stock, net | $-14,000 | 12,461 |
| Net operating income | $822,600 | 5,315 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,059,000 | 6,810 |
| Total interest expense | $1,306,000 | 7,854 |
| Net interest income | $2,753,000 | 6,062 |
| Provision for loan and lease losses | $-18,000 | 12,568 |
| Total noninterest income | $906,000 | 3,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $731,000 | 1,874 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 6,069 |
| Total noninterest expense | $2,854,000 | 4,708 |
| Salaries and employee benefits | $1,352,000 | 4,715 |
| Premises and equipment expense | $373,000 | 4,988 |
| Additional noninterest expense | $1,129,000 | 4,433 |
| Pre-tax net operating income | $823,000 | 6,701 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $199,000 | 7,638 |
| Income before extraordinary items | $624,000 | 6,604 |
| Extraordinary gains, net | $151,000 | 1,223 |
| Net income | $775,000 | 5,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 12,509 |
| Cash dividends | $92,000 | 7,094 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $624,000 | 6,361 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,798,000 | 6,572 |
| Total interest expense | $1,928,000 | 7,279 |
| Net interest income | $2,870,000 | 5,924 |
| Provision for loan and lease losses | $308,000 | 4,048 |
| Total noninterest income | $1,105,000 | 3,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $831,000 | 1,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $274,000 | 4,692 |
| Total noninterest expense | $2,822,000 | 4,781 |
| Salaries and employee benefits | $1,319,000 | 4,761 |
| Premises and equipment expense | $389,000 | 4,906 |
| Additional noninterest expense | $1,114,000 | 4,638 |
| Pre-tax net operating income | $845,000 | 6,359 |
| Securities gains (losses) | $350,000 | 1,397 |
| Applicable income taxes | $353,000 | 5,316 |
| Income before extraordinary items | $842,000 | 5,150 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $842,000 | 5,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 3,346 |
| Cash dividends | $72,000 | 7,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $597,000 | 6,236 |
* 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.