Home > First State Bank of Emmons > Income and Expense

First State Bank of Emmons, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$230,000	9,104
Total interest expense	$49,000	9,100
Net interest income	$181,000	9,063
Provision for loan and lease losses	$2,000	7,249
Total noninterest income	$5,000	9,162
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$20,000	7,664
Trading account gains and fees	$0	150
Additional Noninterest Income	$-15,000	9,228
Total noninterest expense	$157,000	9,144
Salaries and employee benefits	$93,000	9,105
Premises and equipment expense	$17,000	9,006
Additional noninterest expense	$47,000	9,090
Pre-tax net operating income	$27,000	8,517
Securities gains (losses)	$1,000	3,586
Applicable income taxes	$8,000	7,030
Income before extraordinary items	$20,000	8,646
Extraordinary gains, net	$0	30
Net income	$20,000	8,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$19,290	8,534
2003-03-31 (YTD Data)		Rank
Total interest income	$110,000	9,161
Total interest expense	$26,000	9,136
Net interest income	$84,000	9,127
Provision for loan and lease losses	$0	6,934
Total noninterest income	$3,000	9,187
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$9,000	7,710
Trading account gains and fees	$0	134
Additional Noninterest Income	$-6,000	9,273
Total noninterest expense	$85,000	9,162
Salaries and employee benefits	$52,000	9,101
Premises and equipment expense	$9,000	9,017
Additional noninterest expense	$24,000	9,121
Pre-tax net operating income	$2,000	8,672
Securities gains (losses)	$1,000	2,714
Applicable income taxes	$2,000	7,162
Income before extraordinary items	$1,000	8,754
Extraordinary gains, net	$0	21
Net income	$1,000	8,751
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	$360	8,654
2002-12-31 (YTD Data)		Rank
Total interest income	$531,000	9,159
Total interest expense	$132,000	9,162
Net interest income	$399,000	9,091
Provision for loan and lease losses	$-14,000	9,191
Total noninterest income	$-1,000	9,323
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$38,000	7,719
Trading account gains and fees	$0	153
Additional Noninterest Income	$-39,000	9,309
Total noninterest expense	$354,000	9,191
Salaries and employee benefits	$228,000	9,103
Premises and equipment expense	$28,000	9,177
Additional noninterest expense	$98,000	9,172
Pre-tax net operating income	$58,000	8,448
Securities gains (losses)	$1,000	4,369
Applicable income taxes	$15,000	7,161
Income before extraordinary items	$44,000	8,575
Extraordinary gains, net	$0	70
Net income	$44,000	8,578
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,624
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$43,250	8,494
2001-12-31 (YTD Data)		Rank
Total interest income	$589,000	9,384
Total interest expense	$224,000	9,365
Net interest income	$365,000	9,343
Provision for loan and lease losses	$0	8,228
Total noninterest income	$42,000	9,250
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$35,000	7,892
Trading account gains and fees	$0	177
Additional Noninterest Income	$7,000	9,251
Total noninterest expense	$351,000	9,434
Salaries and employee benefits	$217,000	9,355
Premises and equipment expense	$30,000	9,406
Additional noninterest expense	$104,000	9,360
Pre-tax net operating income	$56,000	8,523
Securities gains (losses)	$6,000	3,836
Applicable income taxes	$17,000	7,390
Income before extraordinary items	$45,000	8,637
Extraordinary gains, net	$0	105
Net income	$45,000	8,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,439
Cash dividends	$25,000	6,381
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$40,620	8,558
2000-12-31 (YTD Data)		Rank
Total interest income	$648,000	9,611
Total interest expense	$231,000	9,617
Net interest income	$417,000	9,564
Provision for loan and lease losses	$0	8,337
Total noninterest income	$42,000	9,432
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	7,956
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	9,605
Total noninterest expense	$360,000	9,667
Salaries and employee benefits	$235,000	9,512
Premises and equipment expense	$40,000	9,542
Additional noninterest expense	$85,000	9,719
Pre-tax net operating income	$99,000	8,801
Securities gains (losses)	$0	1,956
Applicable income taxes	$23,000	7,775
Income before extraordinary items	$76,000	8,851
Extraordinary gains, net	$0	38
Net income	$76,000	8,851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,352
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$76,000	8,835
1999-12-31 (YTD Data)		Rank
Total interest income	$618,000	9,898
Total interest expense	$211,000	9,922
Net interest income	$407,000	9,813
Provision for loan and lease losses	$0	8,503
Total noninterest income	$22,000	9,949
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	8,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	10,039
Total noninterest expense	$341,000	9,996
Salaries and employee benefits	$201,000	9,914
Premises and equipment expense	$53,000	9,580
Additional noninterest expense	$87,000	10,006
Pre-tax net operating income	$88,000	9,114
Securities gains (losses)	$0	3,155
Applicable income taxes	$24,000	8,144
Income before extraordinary items	$64,000	9,172
Extraordinary gains, net	$0	35
Net income	$64,000	9,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	8,900
Cash dividends	$50,000	6,588
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$64,000	9,142
1998-12-31 (YTD Data)		Rank
Total interest income	$655,000	10,125
Total interest expense	$235,000	10,149
Net interest income	$420,000	10,053
Provision for loan and lease losses	$1,000	8,622
Total noninterest income	$25,000	10,159
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	8,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	10,199
Total noninterest expense	$278,000	10,301
Salaries and employee benefits	$140,000	10,289
Premises and equipment expense	$48,000	9,864
Additional noninterest expense	$90,000	10,200
Pre-tax net operating income	$166,000	9,088
Securities gains (losses)	$5,000	3,437
Applicable income taxes	$61,000	8,140
Income before extraordinary items	$110,000	9,267
Extraordinary gains, net	$0	32
Net income	$110,000	9,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,842
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$106,800	9,224
1997-12-31 (YTD Data)		Rank
Total interest income	$712,000	10,554
Total interest expense	$276,000	10,554
Net interest income	$436,000	10,509
Provision for loan and lease losses	$7,000	8,548
Total noninterest income	$27,000	10,615
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	9,149
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	10,520
Total noninterest expense	$262,000	10,763
Salaries and employee benefits	$130,000	10,763
Premises and equipment expense	$49,000	10,222
Additional noninterest expense	$83,000	10,677
Pre-tax net operating income	$194,000	9,606
Securities gains (losses)	$0	3,944
Applicable income taxes	$74,000	8,840
Income before extraordinary items	$120,000	9,836
Extraordinary gains, net	$0	44
Net income	$120,000	9,836
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$120,000	9,789
1996-12-31 (YTD Data)		Rank
Total interest income	$658,000	11,148
Total interest expense	$270,000	11,127
Net interest income	$388,000	11,109
Provision for loan and lease losses	$9,000	8,632
Total noninterest income	$98,000	9,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	9,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	7,617
Total noninterest expense	$309,000	11,206
Salaries and employee benefits	$148,000	11,243
Premises and equipment expense	$49,000	10,667
Additional noninterest expense	$112,000	10,975
Pre-tax net operating income	$168,000	9,972
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$54,000	9,620
Income before extraordinary items	$115,000	10,093
Extraordinary gains, net	$0	53
Net income	$115,000	10,092
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,019
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$114,320	10,043
1995-12-31 (YTD Data)		Rank
Total interest income	$616,000	11,707
Total interest expense	$210,000	11,733
Net interest income	$406,000	11,595
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$21,000	11,769
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	10,123
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,654
Total noninterest expense	$289,000	11,742
Salaries and employee benefits	$156,000	11,717
Premises and equipment expense	$38,000	11,427
Additional noninterest expense	$95,000	11,656
Pre-tax net operating income	$126,000	10,932
Securities gains (losses)	$0	3,831
Applicable income taxes	$40,000	10,383
Income before extraordinary items	$86,000	11,056
Extraordinary gains, net	$0	65
Net income	$86,000	11,055
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$86,000	11,029
1994-12-31 (YTD Data)		Rank
Total interest income	$559,000	12,359
Total interest expense	$185,000	12,374
Net interest income	$374,000	12,282
Provision for loan and lease losses	$9,000	8,587
Total noninterest income	$22,000	12,363
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	10,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,297
Total noninterest expense	$266,000	12,419
Salaries and employee benefits	$143,000	12,386
Premises and equipment expense	$38,000	12,035
Additional noninterest expense	$85,000	12,400
Pre-tax net operating income	$121,000	11,487
Securities gains (losses)	$0	3,600
Applicable income taxes	$35,000	10,807
Income before extraordinary items	$86,000	11,515
Extraordinary gains, net	$0	249
Net income	$86,000	11,521
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$15,000	8,673
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$86,000	11,561
1993-12-31 (YTD Data)		Rank
Total interest income	$470,000	13,081
Total interest expense	$186,000	13,025
Net interest income	$284,000	13,034
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$41,000	12,744
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,569
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,981
Total noninterest expense	$248,000	13,104
Salaries and employee benefits	$129,000	13,086
Premises and equipment expense	$33,000	12,758
Additional noninterest expense	$86,000	13,050
Pre-tax net operating income	$65,000	12,090
Securities gains (losses)	$0	7,477
Applicable income taxes	$15,000	11,714
Income before extraordinary items	$50,000	12,255
Extraordinary gains, net	$-8,000	12,278
Net income	$42,000	12,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$23,000	8,627
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$50,000	12,106
1992-12-31 (YTD Data)		Rank
Total interest income	$498,000	13,708
Total interest expense	$229,000	13,654
Net interest income	$269,000	13,676
Provision for loan and lease losses	$10,000	11,168
Total noninterest income	$44,000	13,249
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	11,559
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,632
Total noninterest expense	$240,000	13,723
Salaries and employee benefits	$130,000	13,679
Premises and equipment expense	$34,000	13,280
Additional noninterest expense	$76,000	13,718
Pre-tax net operating income	$63,000	12,327
Securities gains (losses)	$13,000	6,142
Applicable income taxes	$29,000	11,842
Income before extraordinary items	$47,000	12,582
Extraordinary gains, net	$0	1,422
Net income	$47,000	12,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	10,255
Cash dividends	$40,000	7,952
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$38,680	12,398

* 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.