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Farmers State Bank of Stephen, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,202,0008,437
Total interest expense$868,0008,768
Net interest income$1,334,0008,035
Provision for loan and lease losses$50,0006,568
Total noninterest income$89,0009,200
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$76,0007,388
Trading account gains and feesNANA
Additional Noninterest Income$13,0009,838
Total noninterest expense$1,123,0007,754
Salaries and employee benefits$830,0006,553
Premises and equipment expense$74,0009,279
Additional noninterest expense$219,0008,908
Pre-tax net operating income$250,0008,665
Securities gains (losses)$04,449
Applicable income taxes$89,0007,701
Income before extraordinary items$161,0008,903
Extraordinary gains, net$032
Net income$161,0008,901
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$100,0003,649
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$161,0008,838
1997-12-31 (YTD Data)Rank
Total interest income$2,231,0008,745
Total interest expense$852,0009,113
Net interest income$1,379,0008,284
Provision for loan and lease losses$250,0002,930
Total noninterest income$115,0009,144
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$87,0007,487
Trading account gains and feesNANA
Additional Noninterest Income$28,0009,432
Total noninterest expense$1,023,0008,262
Salaries and employee benefits$791,0006,833
Premises and equipment expense$78,0009,482
Additional noninterest expense$154,0009,946
Pre-tax net operating income$221,0009,458
Securities gains (losses)$03,944
Applicable income taxes$67,0008,963
Income before extraordinary items$154,0009,542
Extraordinary gains, net$044
Net income$154,0009,545
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$333,0001,832
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$154,0009,507
1996-12-31 (YTD Data)Rank
Total interest income$2,248,0009,030
Total interest expense$880,0009,384
Net interest income$1,368,0008,592
Provision for loan and lease losses$09,041
Total noninterest income$689,0004,159
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$89,0007,756
Trading account gains and feesNANA
Additional Noninterest Income$600,0002,571
Total noninterest expense$1,175,0008,055
Salaries and employee benefits$852,0006,700
Premises and equipment expense$114,0008,934
Additional noninterest expense$209,0009,841
Pre-tax net operating income$882,0006,156
Securities gains (losses)$04,148
Applicable income taxes$305,0005,774
Income before extraordinary items$577,0006,413
Extraordinary gains, net$053
Net income$577,0006,415
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0007,175
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$577,0006,343
1995-12-31 (YTD Data)Rank
Total interest income$2,135,0009,513
Total interest expense$899,0009,617
Net interest income$1,236,0009,237
Provision for loan and lease losses$08,958
Total noninterest income$118,0009,897
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$95,0007,904
Trading account gains and feesNANA
Additional Noninterest Income$23,00010,706
Total noninterest expense$1,093,0008,603
Salaries and employee benefits$803,0007,085
Premises and equipment expense$94,0009,797
Additional noninterest expense$196,00010,460
Pre-tax net operating income$261,00010,032
Securities gains (losses)$03,831
Applicable income taxes$82,0009,543
Income before extraordinary items$179,00010,178
Extraordinary gains, net$065
Net income$179,00010,180
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,00010,662
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$179,00010,146
1994-12-31 (YTD Data)Rank
Total interest income$1,868,00010,043
Total interest expense$746,0009,849
Net interest income$1,122,0009,994
Provision for loan and lease losses$09,146
Total noninterest income$120,00010,295
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$81,0008,649
Trading account gains and feesNANA
Additional Noninterest Income$39,00010,213
Total noninterest expense$1,062,0009,115
Salaries and employee benefits$747,0007,538
Premises and equipment expense$60,00011,299
Additional noninterest expense$255,00010,466
Pre-tax net operating income$180,00011,055
Securities gains (losses)$03,600
Applicable income taxes$34,00010,845
Income before extraordinary items$146,00010,866
Extraordinary gains, net$0249
Net income$146,00010,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,977
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$146,00010,921
1993-12-31 (YTD Data)Rank
Total interest income$1,935,00010,310
Total interest expense$790,00010,095
Net interest income$1,145,00010,242
Provision for loan and lease losses$121,0005,179
Total noninterest income$129,00010,649
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$85,0008,849
Trading account gains and feesNANA
Additional Noninterest Income$44,00010,462
Total noninterest expense$1,053,0009,513
Salaries and employee benefits$766,0007,526
Premises and equipment expense$51,00012,175
Additional noninterest expense$236,00011,247
Pre-tax net operating income$100,00011,866
Securities gains (losses)$07,477
Applicable income taxes$-10,00012,784
Income before extraordinary items$110,00011,698
Extraordinary gains, net$144,0001,273
Net income$254,00010,131
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0009,554
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$110,00011,502
1992-12-31 (YTD Data)Rank
Total interest income$2,301,00010,289
Total interest expense$950,00010,618
Net interest income$1,351,0009,790
Provision for loan and lease losses$75,0008,067
Total noninterest income$134,00010,833
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$84,0009,029
Trading account gains and feesNANA
Additional Noninterest Income$50,00010,399
Total noninterest expense$1,079,0009,621
Salaries and employee benefits$790,0007,318
Premises and equipment expense$61,00012,225
Additional noninterest expense$228,00011,842
Pre-tax net operating income$331,0009,862
Securities gains (losses)$08,369
Applicable income taxes$114,0009,543
Income before extraordinary items$217,00010,369
Extraordinary gains, net$01,422
Net income$217,00010,507
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$260,0003,633
Cash dividends$15,0008,575
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$217,00010,011

* 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.