Home > First State Bank of Floodwood > Income and Expense
First State Bank of Floodwood, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $708,000 | 8,816 |
| Total interest expense | $141,000 | 8,877 |
| Net interest income | $567,000 | 8,736 |
| Provision for loan and lease losses | $39,000 | 6,564 |
| Total noninterest income | $59,000 | 8,711 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $37,000 | 7,623 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $22,000 | 8,373 |
| Total noninterest expense | $359,000 | 9,020 |
| Salaries and employee benefits | $221,000 | 8,959 |
| Premises and equipment expense | $38,000 | 8,915 |
| Additional noninterest expense | $100,000 | 9,000 |
| Pre-tax net operating income | $228,000 | 7,729 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $78,000 | 5,957 |
| Income before extraordinary items | $150,000 | 8,009 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $150,000 | 8,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,012 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $150,000 | 7,889 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $433,000 | 8,991 |
| Total interest expense | $88,000 | 9,014 |
| Net interest income | $345,000 | 8,921 |
| Provision for loan and lease losses | $25,000 | 6,589 |
| Total noninterest income | $33,000 | 8,919 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $24,000 | 7,765 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $229,000 | 9,127 |
| Salaries and employee benefits | $145,000 | 9,062 |
| Premises and equipment expense | $24,000 | 9,020 |
| Additional noninterest expense | $60,000 | 9,107 |
| Pre-tax net operating income | $124,000 | 8,110 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $36,000 | 6,460 |
| Income before extraordinary items | $88,000 | 8,305 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $88,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $88,000 | 8,183 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $141,000 | 9,173 |
| Total interest expense | $33,000 | 9,149 |
| Net interest income | $108,000 | 9,156 |
| Provision for loan and lease losses | $7,000 | 6,972 |
| Total noninterest income | $13,000 | 9,080 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $9,000 | 7,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $93,000 | 9,222 |
| Salaries and employee benefits | $70,000 | 9,175 |
| Premises and equipment expense | $11,000 | 9,127 |
| Additional noninterest expense | $12,000 | 9,245 |
| Pre-tax net operating income | $15,000 | 8,583 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $4,000 | 7,232 |
| Income before extraordinary items | $11,000 | 8,700 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $11,000 | 8,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,202 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $11,000 | 8,585 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $243,000 | 8,803 |
| Total interest expense | $63,000 | 8,855 |
| Net interest income | $180,000 | 8,694 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $26,000 | 8,331 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $162,000 | 8,639 |
| Salaries and employee benefits | $102,000 | 8,477 |
| Premises and equipment expense | $15,000 | 8,679 |
| Additional noninterest expense | $45,000 | 8,633 |
| Pre-tax net operating income | $29,000 | 8,329 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $11,000 | 6,507 |
| Income before extraordinary items | $18,000 | 8,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $18,000 | 8,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $18,000 | 8,395 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 8,825 |
| Total interest expense | $264,000 | 8,954 |
| Net interest income | $763,000 | 8,643 |
| Provision for loan and lease losses | $196,000 | 4,406 |
| Total noninterest income | $111,000 | 8,271 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $66,000 | 7,219 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $45,000 | 7,733 |
| Total noninterest expense | $574,000 | 8,828 |
| Salaries and employee benefits | $365,000 | 8,639 |
| Premises and equipment expense | $58,000 | 8,777 |
| Additional noninterest expense | $151,000 | 8,872 |
| Pre-tax net operating income | $104,000 | 8,303 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $11,000 | 7,271 |
| Income before extraordinary items | $93,000 | 8,368 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $93,000 | 8,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,486 |
| Cash dividends | $60,000 | 5,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $93,000 | 8,277 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 9,107 |
| Total interest expense | $390,000 | 9,173 |
| Net interest income | $682,000 | 8,881 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $113,000 | 8,336 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $86,000 | 6,853 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $27,000 | 8,456 |
| Total noninterest expense | $580,000 | 8,982 |
| Salaries and employee benefits | $358,000 | 8,799 |
| Premises and equipment expense | $51,000 | 9,106 |
| Additional noninterest expense | $171,000 | 8,902 |
| Pre-tax net operating income | $215,000 | 7,812 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $90,000 | 6,131 |
| Income before extraordinary items | $125,000 | 8,189 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $125,000 | 8,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $100,000 | 5,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $125,000 | 8,077 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,152,000 | 9,270 |
| Total interest expense | $429,000 | 9,369 |
| Net interest income | $723,000 | 9,058 |
| Provision for loan and lease losses | $6,000 | 8,107 |
| Total noninterest income | $113,000 | 8,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,273 |
| Total noninterest expense | $539,000 | 9,295 |
| Salaries and employee benefits | $346,000 | 9,017 |
| Premises and equipment expense | $39,000 | 9,571 |
| Additional noninterest expense | $154,000 | 9,204 |
| Pre-tax net operating income | $291,000 | 7,937 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $78,000 | 6,812 |
| Income before extraordinary items | $213,000 | 7,994 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $213,000 | 7,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $80,000 | 6,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $213,000 | 7,996 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,013,000 | 9,603 |
| Total interest expense | $371,000 | 9,697 |
| Net interest income | $642,000 | 9,420 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $92,000 | 8,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,007 |
| Total noninterest expense | $513,000 | 9,599 |
| Salaries and employee benefits | $313,000 | 9,393 |
| Premises and equipment expense | $54,000 | 9,557 |
| Additional noninterest expense | $146,000 | 9,543 |
| Pre-tax net operating income | $221,000 | 8,471 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $55,000 | 7,567 |
| Income before extraordinary items | $166,000 | 8,542 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $166,000 | 8,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $80,000 | 6,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $166,000 | 8,499 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,001,000 | 9,856 |
| Total interest expense | $362,000 | 9,956 |
| Net interest income | $639,000 | 9,639 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $112,000 | 8,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,542 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,456 |
| Total noninterest expense | $498,000 | 9,787 |
| Salaries and employee benefits | $303,000 | 9,609 |
| Premises and equipment expense | $51,000 | 9,797 |
| Additional noninterest expense | $144,000 | 9,718 |
| Pre-tax net operating income | $253,000 | 8,649 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $86,000 | 7,734 |
| Income before extraordinary items | $167,000 | 8,862 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $167,000 | 8,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $55,000 | 6,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $167,000 | 8,797 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $951,000 | 10,349 |
| Total interest expense | $335,000 | 10,453 |
| Net interest income | $616,000 | 10,151 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $88,000 | 9,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 8,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,236 |
| Total noninterest expense | $536,000 | 9,998 |
| Salaries and employee benefits | $277,000 | 10,114 |
| Premises and equipment expense | $64,000 | 9,853 |
| Additional noninterest expense | $195,000 | 9,467 |
| Pre-tax net operating income | $168,000 | 9,750 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $51,000 | 9,239 |
| Income before extraordinary items | $117,000 | 9,859 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $117,000 | 9,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,034 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $117,000 | 9,813 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $916,000 | 10,914 |
| Total interest expense | $312,000 | 11,057 |
| Net interest income | $604,000 | 10,649 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $112,000 | 9,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 8,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $547,000 | 10,403 |
| Salaries and employee benefits | $363,000 | 9,866 |
| Premises and equipment expense | $71,000 | 10,045 |
| Additional noninterest expense | $113,000 | 10,968 |
| Pre-tax net operating income | $169,000 | 9,965 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $59,000 | 9,531 |
| Income before extraordinary items | $110,000 | 10,137 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $110,000 | 10,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 11,199 |
| Cash dividends | $50,000 | 7,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $110,000 | 10,077 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $810,000 | 11,510 |
| Total interest expense | $257,000 | 11,660 |
| Net interest income | $553,000 | 11,260 |
| Provision for loan and lease losses | $4,000 | 8,753 |
| Total noninterest income | $84,000 | 10,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 9,050 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $529,000 | 10,892 |
| Salaries and employee benefits | $286,000 | 10,878 |
| Premises and equipment expense | $69,000 | 10,506 |
| Additional noninterest expense | $174,000 | 10,767 |
| Pre-tax net operating income | $104,000 | 11,060 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $21,000 | 10,738 |
| Income before extraordinary items | $83,000 | 11,076 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $83,000 | 11,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 11,160 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $83,000 | 11,058 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $736,000 | 12,153 |
| Total interest expense | $192,000 | 12,356 |
| Net interest income | $544,000 | 11,875 |
| Provision for loan and lease losses | $21,000 | 7,711 |
| Total noninterest income | $94,000 | 10,886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 9,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,719 |
| Total noninterest expense | $551,000 | 11,349 |
| Salaries and employee benefits | $233,000 | 11,814 |
| Premises and equipment expense | $72,000 | 10,911 |
| Additional noninterest expense | $246,000 | 10,570 |
| Pre-tax net operating income | $66,000 | 11,823 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $7,000 | 11,444 |
| Income before extraordinary items | $59,000 | 11,738 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $59,000 | 11,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,562 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $59,000 | 11,785 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $692,000 | 12,820 |
| Total interest expense | $191,000 | 13,014 |
| Net interest income | $501,000 | 12,548 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $88,000 | 11,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 9,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,255 |
| Total noninterest expense | $515,000 | 12,085 |
| Salaries and employee benefits | $222,000 | 12,437 |
| Premises and equipment expense | $97,000 | 10,539 |
| Additional noninterest expense | $196,000 | 11,788 |
| Pre-tax net operating income | $56,000 | 12,146 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $25,000 | 11,496 |
| Income before extraordinary items | $31,000 | 12,368 |
| Extraordinary gains, net | $69,000 | 1,921 |
| Net income | $100,000 | 11,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $31,000 | 12,228 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $702,000 | 13,479 |
| Total interest expense | $268,000 | 13,561 |
| Net interest income | $434,000 | 13,288 |
| Provision for loan and lease losses | $68,000 | 8,314 |
| Total noninterest income | $50,000 | 13,106 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 13,290 |
| Total noninterest expense | $514,000 | 12,560 |
| Salaries and employee benefits | $210,000 | 13,050 |
| Premises and equipment expense | $74,000 | 11,720 |
| Additional noninterest expense | $230,000 | 11,810 |
| Pre-tax net operating income | $-98,000 | 12,938 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $1,000 | 12,632 |
| Income before extraordinary items | $-92,000 | 13,061 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-92,000 | 13,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 5,287 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-99,000 | 12,913 |
* 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.