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Electra State Bank and Trust Company, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,664,0007,909
Total interest expense$1,221,0007,850
Net interest income$1,443,0007,812
Provision for loan and lease losses$60,0006,123
Total noninterest income$145,0008,295
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$119,0006,481
Trading account gains and feesNANA
Additional Noninterest Income$26,0009,196
Total noninterest expense$740,0008,976
Salaries and employee benefits$431,0008,769
Premises and equipment expense$108,0008,537
Additional noninterest expense$201,0009,102
Pre-tax net operating income$788,0006,142
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$788,0005,238
Extraordinary gains, net$032
Net income$788,0005,237
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,720
Cash dividends$772,0002,666
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$788,0005,143
1997-12-31 (YTD Data)Rank
Total interest income$2,703,0008,120
Total interest expense$1,186,0008,158
Net interest income$1,517,0007,940
Provision for loan and lease losses$10,0008,395
Total noninterest income$137,0008,783
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$104,0007,108
Trading account gains and feesNANA
Additional Noninterest Income$33,0009,193
Total noninterest expense$782,0009,098
Salaries and employee benefits$392,0009,308
Premises and equipment expense$136,0008,101
Additional noninterest expense$254,0008,798
Pre-tax net operating income$862,0006,280
Securities gains (losses)$-1,0009,009
Applicable income taxes$57,0009,142
Income before extraordinary items$804,0005,438
Extraordinary gains, net$044
Net income$804,0005,441
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,963
Cash dividends$667,0002,875
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$804,9305,383
1996-12-31 (YTD Data)Rank
Total interest income$2,732,0008,368
Total interest expense$1,190,0008,403
Net interest income$1,542,0008,168
Provision for loan and lease losses$09,041
Total noninterest income$147,0009,051
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$112,0007,247
Trading account gains and feesNANA
Additional Noninterest Income$35,0009,600
Total noninterest expense$790,0009,470
Salaries and employee benefits$376,0009,770
Premises and equipment expense$94,0009,448
Additional noninterest expense$320,0008,670
Pre-tax net operating income$899,0006,087
Securities gains (losses)$04,148
Applicable income taxes$298,0005,851
Income before extraordinary items$601,0006,269
Extraordinary gains, net$053
Net income$601,0006,272
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-21,00010,715
Cash dividends$1,716,0001,431
Sale, conversion, retirement of capital stock, net$0953
Net operating income$601,0006,208
1995-12-31 (YTD Data)Rank
Total interest income$2,496,0008,977
Total interest expense$1,228,0008,500
Net interest income$1,268,0009,165
Provision for loan and lease losses$08,958
Total noninterest income$123,0009,801
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$97,0007,858
Trading account gains and feesNANA
Additional Noninterest Income$26,00010,525
Total noninterest expense$800,0009,773
Salaries and employee benefits$375,00010,117
Premises and equipment expense$88,0009,975
Additional noninterest expense$337,0008,829
Pre-tax net operating income$591,0007,917
Securities gains (losses)$1,0003,512
Applicable income taxes$191,0007,580
Income before extraordinary items$401,0008,069
Extraordinary gains, net$065
Net income$401,0008,066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-21,00011,045
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$400,3208,043
1994-12-31 (YTD Data)Rank
Total interest income$2,385,0009,118
Total interest expense$896,0009,149
Net interest income$1,489,0008,920
Provision for loan and lease losses$09,146
Total noninterest income$118,00010,333
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$90,0008,368
Trading account gains and feesNANA
Additional Noninterest Income$28,00010,920
Total noninterest expense$862,0009,938
Salaries and employee benefits$379,00010,473
Premises and equipment expense$93,00010,249
Additional noninterest expense$390,0008,925
Pre-tax net operating income$745,0007,161
Securities gains (losses)$10,0002,219
Applicable income taxes$247,0006,586
Income before extraordinary items$508,0007,244
Extraordinary gains, net$0249
Net income$508,0007,249
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0005,828
Cash dividends$484,0003,305
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$501,3007,332
1993-12-31 (YTD Data)Rank
Total interest income$2,566,0009,066
Total interest expense$905,0009,527
Net interest income$1,661,0008,609
Provision for loan and lease losses$010,371
Total noninterest income$128,00010,666
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$90,0008,693
Trading account gains and feesNANA
Additional Noninterest Income$38,00010,795
Total noninterest expense$887,00010,262
Salaries and employee benefits$377,00010,873
Premises and equipment expense$89,00010,821
Additional noninterest expense$421,0009,020
Pre-tax net operating income$902,0006,339
Securities gains (losses)$20,0004,664
Applicable income taxes$304,0006,031
Income before extraordinary items$618,0006,651
Extraordinary gains, net$03,149
Net income$618,0006,805
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0007,969
Cash dividends$850,0002,031
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$604,6006,505
1992-12-31 (YTD Data)Rank
Total interest income$2,887,0009,174
Total interest expense$1,233,0009,484
Net interest income$1,654,0008,796
Provision for loan and lease losses$-90,00013,691
Total noninterest income$147,00010,553
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$81,0009,135
Trading account gains and feesNANA
Additional Noninterest Income$66,0009,490
Total noninterest expense$895,00010,511
Salaries and employee benefits$369,00011,230
Premises and equipment expense$85,00011,297
Additional noninterest expense$441,0009,086
Pre-tax net operating income$996,0005,635
Securities gains (losses)$159,0002,342
Applicable income taxes$354,0005,302
Income before extraordinary items$801,0005,362
Extraordinary gains, net$01,422
Net income$801,0005,418
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,00010,255
Cash dividends$950,0001,633
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$691,2905,641

* 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.