Home > Farmers Bank of Clatonia > Income and Expense

Farmers Bank of Clatonia, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$665,000	10,119
Total interest expense	$307,000	10,040
Net interest income	$358,000	10,133
Provision for loan and lease losses	$0	8,652
Total noninterest income	$59,000	9,700
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$53,000	7,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	10,162
Total noninterest expense	$369,000	10,126
Salaries and employee benefits	$225,000	9,992
Premises and equipment expense	$47,000	9,891
Additional noninterest expense	$97,000	10,152
Pre-tax net operating income	$48,000	9,625
Securities gains (losses)	$0	4,449
Applicable income taxes	$9,000	9,103
Income before extraordinary items	$39,000	9,679
Extraordinary gains, net	$0	32
Net income	$39,000	9,677
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	9,285
Cash dividends	$50,000	6,861
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$39,000	9,616
1997-12-31 (YTD Data)		Rank
Total interest income	$702,000	10,562
Total interest expense	$314,000	10,487
Net interest income	$388,000	10,566
Provision for loan and lease losses	$0	8,829
Total noninterest income	$50,000	10,283
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$45,000	8,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	10,669
Total noninterest expense	$370,000	10,553
Salaries and employee benefits	$213,000	10,476
Premises and equipment expense	$71,000	9,671
Additional noninterest expense	$86,000	10,647
Pre-tax net operating income	$68,000	10,185
Securities gains (losses)	$0	3,944
Applicable income taxes	$15,000	9,816
Income before extraordinary items	$53,000	10,223
Extraordinary gains, net	$0	44
Net income	$53,000	10,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,655
Cash dividends	$29,000	7,500
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$53,000	10,190
1996-12-31 (YTD Data)		Rank
Total interest income	$653,000	11,152
Total interest expense	$299,000	11,079
Net interest income	$354,000	11,167
Provision for loan and lease losses	$0	9,041
Total noninterest income	$63,000	10,621
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	8,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,116
Total noninterest expense	$323,000	11,168
Salaries and employee benefits	$190,000	11,063
Premises and equipment expense	$43,000	10,829
Additional noninterest expense	$90,000	11,161
Pre-tax net operating income	$94,000	10,397
Securities gains (losses)	$0	4,148
Applicable income taxes	$24,000	10,128
Income before extraordinary items	$70,000	10,454
Extraordinary gains, net	$0	53
Net income	$70,000	10,453
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,019
Cash dividends	$37,000	7,760
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$70,000	10,410
1995-12-31 (YTD Data)		Rank
Total interest income	$618,000	11,704
Total interest expense	$298,000	11,582
Net interest income	$320,000	11,736
Provision for loan and lease losses	$-10,000	11,420
Total noninterest income	$62,000	11,127
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,088
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,654
Total noninterest expense	$274,000	11,765
Salaries and employee benefits	$174,000	11,628
Premises and equipment expense	$12,000	11,881
Additional noninterest expense	$88,000	11,715
Pre-tax net operating income	$118,000	10,991
Securities gains (losses)	$0	3,831
Applicable income taxes	$25,000	10,670
Income before extraordinary items	$93,000	10,996
Extraordinary gains, net	$0	65
Net income	$93,000	10,996
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	10,798
Cash dividends	$57,000	7,648
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$93,000	10,970
1994-12-31 (YTD Data)		Rank
Total interest income	$447,000	12,440
Total interest expense	$216,000	12,306
Net interest income	$231,000	12,479
Provision for loan and lease losses	$0	9,146
Total noninterest income	$55,000	11,823
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	9,692
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	12,349
Total noninterest expense	$237,000	12,466
Salaries and employee benefits	$143,000	12,386
Premises and equipment expense	$10,000	12,540
Additional noninterest expense	$84,000	12,405
Pre-tax net operating income	$49,000	11,915
Securities gains (losses)	$0	3,600
Applicable income taxes	$13,000	11,303
Income before extraordinary items	$36,000	11,884
Extraordinary gains, net	$0	249
Net income	$36,000	11,884
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,341
Cash dividends	$46,000	8,070
Sale, conversion, retirement of capital stock, net	$650,000	502
Net operating income	$36,000	11,923

* 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.