Home > First State Bank > Income and Expense

First State Bank, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$1,678,000	7,886
Total interest expense	$630,000	7,305
Net interest income	$1,048,000	8,042
Provision for loan and lease losses	$83,000	5,602
Total noninterest income	$246,000	6,976
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$104,000	6,497
Trading account gains and fees	$0	160
Additional Noninterest Income	$142,000	5,921
Total noninterest expense	$1,292,000	7,283
Salaries and employee benefits	$465,000	8,201
Premises and equipment expense	$156,000	7,323
Additional noninterest expense	$671,000	5,628
Pre-tax net operating income	$-81,000	8,628
Securities gains (losses)	$28,000	2,979
Applicable income taxes	$0	7,459
Income before extraordinary items	$-53,000	8,693
Extraordinary gains, net	$0	54
Net income	$-53,000	8,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,380
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-81,000	8,636
2003-09-30 (YTD Data)		Rank
Total interest income	$1,305,000	7,922
Total interest expense	$509,000	7,270
Net interest income	$796,000	8,090
Provision for loan and lease losses	$0	7,481
Total noninterest income	$202,000	6,848
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$79,000	6,528
Trading account gains and fees	$0	153
Additional Noninterest Income	$123,000	5,698
Total noninterest expense	$1,012,000	7,176
Salaries and employee benefits	$351,000	8,191
Premises and equipment expense	$103,000	7,576
Additional noninterest expense	$558,000	5,267
Pre-tax net operating income	$-14,000	8,671
Securities gains (losses)	$28,000	2,745
Applicable income taxes	$0	7,524
Income before extraordinary items	$14,000	8,677
Extraordinary gains, net	$0	40
Net income	$14,000	8,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,281
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-14,000	8,664
2003-06-30 (YTD Data)		Rank
Total interest income	$881,000	7,953
Total interest expense	$346,000	7,356
Net interest income	$535,000	8,111
Provision for loan and lease losses	$0	7,324
Total noninterest income	$141,000	6,767
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$53,000	6,490
Trading account gains and fees	$0	150
Additional Noninterest Income	$88,000	5,563
Total noninterest expense	$780,000	6,778
Salaries and employee benefits	$243,000	8,139
Premises and equipment expense	$67,000	7,633
Additional noninterest expense	$470,000	4,444
Pre-tax net operating income	$-104,000	8,830
Securities gains (losses)	$36,000	2,247
Applicable income taxes	$0	7,529
Income before extraordinary items	$-68,000	8,886
Extraordinary gains, net	$0	30
Net income	$-68,000	8,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,334
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-104,000	8,836
2003-03-31 (YTD Data)		Rank
Total interest income	$457,000	7,926
Total interest expense	$184,000	7,297
Net interest income	$273,000	8,114
Provision for loan and lease losses	$0	6,934
Total noninterest income	$55,000	7,195
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$32,000	6,144
Trading account gains and fees	$0	134
Additional Noninterest Income	$23,000	6,700
Total noninterest expense	$544,000	5,682
Salaries and employee benefits	$123,000	8,147
Premises and equipment expense	$31,000	7,807
Additional noninterest expense	$390,000	2,918
Pre-tax net operating income	$-216,000	9,099
Securities gains (losses)	$36,000	1,574
Applicable income taxes	$0	7,403
Income before extraordinary items	$-180,000	9,123
Extraordinary gains, net	$0	21
Net income	$-180,000	9,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-216,000	9,087
2002-12-31 (YTD Data)		Rank
Total interest income	$1,913,000	7,948
Total interest expense	$746,000	7,672
Net interest income	$1,167,000	8,004
Provision for loan and lease losses	$25,000	7,318
Total noninterest income	$275,000	6,656
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$102,000	6,545
Trading account gains and fees	$0	153
Additional Noninterest Income	$173,000	5,301
Total noninterest expense	$996,000	7,944
Salaries and employee benefits	$508,000	8,114
Premises and equipment expense	$165,000	7,244
Additional noninterest expense	$323,000	7,638
Pre-tax net operating income	$421,000	7,076
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$421,000	6,738
Extraordinary gains, net	$0	70
Net income	$421,000	6,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,379
Cash dividends	$144,000	5,259
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$421,000	6,613
2001-12-31 (YTD Data)		Rank
Total interest income	$2,146,000	8,070
Total interest expense	$1,010,000	8,002
Net interest income	$1,136,000	8,019
Provision for loan and lease losses	$56,000	6,538
Total noninterest income	$204,000	7,271
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$112,000	6,368
Trading account gains and fees	$0	177
Additional Noninterest Income	$92,000	6,609
Total noninterest expense	$975,000	8,024
Salaries and employee benefits	$513,000	8,110
Premises and equipment expense	$154,000	7,452
Additional noninterest expense	$308,000	7,792
Pre-tax net operating income	$309,000	7,369
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$309,000	7,073
Extraordinary gains, net	$0	105
Net income	$309,000	7,074
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	4,857
Cash dividends	$105,000	5,704
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$309,000	6,962
2000-12-31 (YTD Data)		Rank
Total interest income	$2,213,000	8,217
Total interest expense	$1,081,000	8,058
Net interest income	$1,132,000	8,223
Provision for loan and lease losses	$49,000	6,605
Total noninterest income	$162,000	7,723
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	6,381
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	7,773
Total noninterest expense	$979,000	8,087
Salaries and employee benefits	$495,000	8,270
Premises and equipment expense	$174,000	7,186
Additional noninterest expense	$310,000	7,865
Pre-tax net operating income	$266,000	8,045
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$266,000	7,680
Extraordinary gains, net	$0	38
Net income	$266,000	7,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,408
Cash dividends	$124,000	5,740
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$266,000	7,680
1999-12-31 (YTD Data)		Rank
Total interest income	$1,920,000	8,589
Total interest expense	$917,000	8,400
Net interest income	$1,003,000	8,622
Provision for loan and lease losses	$0	8,503
Total noninterest income	$160,000	7,983
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	6,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	8,163
Total noninterest expense	$792,000	8,753
Salaries and employee benefits	$427,000	8,746
Premises and equipment expense	$142,000	7,811
Additional noninterest expense	$223,000	8,810
Pre-tax net operating income	$371,000	7,735
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$371,000	7,154
Extraordinary gains, net	$0	35
Net income	$371,000	7,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,765
Cash dividends	$143,000	5,725
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$371,000	7,127
1998-12-31 (YTD Data)		Rank
Total interest income	$1,848,000	8,867
Total interest expense	$895,000	8,703
Net interest income	$953,000	8,910
Provision for loan and lease losses	$22,000	7,668
Total noninterest income	$164,000	8,032
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	7,002
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	7,447
Total noninterest expense	$762,000	8,895
Salaries and employee benefits	$413,000	8,885
Premises and equipment expense	$146,000	7,743
Additional noninterest expense	$203,000	9,083
Pre-tax net operating income	$333,000	8,211
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$333,000	7,630
Extraordinary gains, net	$0	32
Net income	$333,000	7,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,498
Cash dividends	$136,000	5,921
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$333,000	7,545
1997-12-31 (YTD Data)		Rank
Total interest income	$1,710,000	9,415
Total interest expense	$868,000	9,055
Net interest income	$842,000	9,569
Provision for loan and lease losses	$0	8,829
Total noninterest income	$137,000	8,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	7,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	7,914
Total noninterest expense	$745,000	9,240
Salaries and employee benefits	$411,000	9,191
Premises and equipment expense	$145,000	7,919
Additional noninterest expense	$189,000	9,552
Pre-tax net operating income	$234,000	9,390
Securities gains (losses)	$5,000	2,787
Applicable income taxes	$86,000	8,645
Income before extraordinary items	$153,000	9,551
Extraordinary gains, net	$0	44
Net income	$153,000	9,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,728
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$149,800	9,553
1996-12-31 (YTD Data)		Rank
Total interest income	$1,322,000	10,355
Total interest expense	$730,000	9,882
Net interest income	$592,000	10,675
Provision for loan and lease losses	$0	9,041
Total noninterest income	$94,000	9,994
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	8,722
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	9,363
Total noninterest expense	$685,000	9,860
Salaries and employee benefits	$377,000	9,763
Premises and equipment expense	$131,000	8,508
Additional noninterest expense	$177,000	10,209
Pre-tax net operating income	$1,000	10,769
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$1,000	10,529
Income before extraordinary items	$2,000	10,809
Extraordinary gains, net	$0	53
Net income	$2,000	10,804
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,767
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$660	10,767
1995-12-31 (YTD Data)		Rank
Total interest income	$1,083,000	11,142
Total interest expense	$489,000	11,061
Net interest income	$594,000	11,143
Provision for loan and lease losses	$0	8,958
Total noninterest income	$120,000	9,859
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	8,987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	8,656
Total noninterest expense	$453,000	11,222
Salaries and employee benefits	$248,000	11,168
Premises and equipment expense	$67,000	10,564
Additional noninterest expense	$138,000	11,204
Pre-tax net operating income	$261,000	10,032
Securities gains (losses)	$63,000	1,165
Applicable income taxes	$109,000	9,000
Income before extraordinary items	$215,000	9,773
Extraordinary gains, net	$0	65
Net income	$215,000	9,777
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$130,000	6,332
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$173,420	10,203
1994-12-31 (YTD Data)		Rank
Total interest income	$945,000	11,811
Total interest expense	$363,000	11,772
Net interest income	$582,000	11,767
Provision for loan and lease losses	$0	9,146
Total noninterest income	$110,000	10,520
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	$60,000	9,091
Total noninterest expense	$442,000	11,866
Salaries and employee benefits	$251,000	11,658
Premises and equipment expense	$68,000	11,037
Additional noninterest expense	$123,000	12,092
Pre-tax net operating income	$250,000	10,486
Securities gains (losses)	$-194,000	11,934
Applicable income taxes	$15,000	11,265
Income before extraordinary items	$41,000	11,871
Extraordinary gains, net	$0	249
Net income	$41,000	11,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,614
Cash dividends	$80,000	7,289
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$182,620	10,517
1993-12-31 (YTD Data)		Rank
Total interest income	$866,000	12,556
Total interest expense	$390,000	12,273
Net interest income	$476,000	12,614
Provision for loan and lease losses	$0	10,371
Total noninterest income	$193,000	9,352
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	6,833
Total noninterest expense	$433,000	12,497
Salaries and employee benefits	$211,000	12,528
Premises and equipment expense	$70,000	11,498
Additional noninterest expense	$152,000	12,398
Pre-tax net operating income	$236,000	10,733
Securities gains (losses)	$107,000	2,403
Applicable income taxes	$111,000	9,488
Income before extraordinary items	$232,000	10,252
Extraordinary gains, net	$0	3,149
Net income	$232,000	10,383
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	7,730
Cash dividends	$230,000	5,099
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$159,240	10,887
1992-12-31 (YTD Data)		Rank
Total interest income	$1,098,000	12,843
Total interest expense	$557,000	12,499
Net interest income	$541,000	12,934
Provision for loan and lease losses	$25,000	10,242
Total noninterest income	$105,000	11,587
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	10,088
Total noninterest expense	$428,000	13,028
Salaries and employee benefits	$202,000	13,135
Premises and equipment expense	$59,000	12,326
Additional noninterest expense	$167,000	12,697
Pre-tax net operating income	$193,000	11,136
Securities gains (losses)	$229,000	1,827
Applicable income taxes	$159,000	8,397
Income before extraordinary items	$263,000	9,745
Extraordinary gains, net	$0	1,422
Net income	$263,000	9,886
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	7,838
Cash dividends	$230,000	4,689
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$116,440	11,410

* 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.