Home > First State Bank of Sinai > Income and Expense
First State Bank of Sinai, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $836,000 | 8,571 |
| Total interest expense | $274,000 | 8,360 |
| Net interest income | $562,000 | 8,554 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| Total noninterest income | $43,000 | 8,796 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $39,000 | 7,458 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 8,966 |
| Total noninterest expense | $328,000 | 8,956 |
| Salaries and employee benefits | $227,000 | 8,772 |
| Premises and equipment expense | $26,000 | 8,993 |
| Additional noninterest expense | $75,000 | 9,047 |
| Pre-tax net operating income | $262,000 | 7,377 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $89,000 | 5,697 |
| Income before extraordinary items | $173,000 | 7,764 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $173,000 | 7,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $173,000 | 7,616 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $537,000 | 8,656 |
| Total interest expense | $184,000 | 8,439 |
| Net interest income | $353,000 | 8,659 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $27,000 | 8,841 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $24,000 | 7,541 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $222,000 | 8,974 |
| Salaries and employee benefits | $153,000 | 8,790 |
| Premises and equipment expense | $16,000 | 9,035 |
| Additional noninterest expense | $53,000 | 9,050 |
| Pre-tax net operating income | $143,000 | 7,652 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $46,000 | 5,986 |
| Income before extraordinary items | $97,000 | 7,988 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $97,000 | 7,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,788 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $97,000 | 7,820 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $262,000 | 8,743 |
| Total interest expense | $94,000 | 8,507 |
| Net interest income | $168,000 | 8,753 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $11,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $10,000 | 7,640 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $118,000 | 8,979 |
| Salaries and employee benefits | $78,000 | 8,802 |
| Premises and equipment expense | $9,000 | 9,017 |
| Additional noninterest expense | $31,000 | 8,995 |
| Pre-tax net operating income | $61,000 | 7,828 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $19,000 | 6,113 |
| Income before extraordinary items | $42,000 | 8,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $42,000 | 8,057 |
| 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 | $42,000 | 7,906 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,135,000 | 8,736 |
| Total interest expense | $463,000 | 8,488 |
| Net interest income | $672,000 | 8,778 |
| Provision for loan and lease losses | $10,000 | 7,810 |
| Total noninterest income | $108,000 | 8,300 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $50,000 | 7,525 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $58,000 | 7,401 |
| Total noninterest expense | $486,000 | 9,009 |
| Salaries and employee benefits | $308,000 | 8,866 |
| Premises and equipment expense | $36,000 | 9,103 |
| Additional noninterest expense | $142,000 | 8,939 |
| Pre-tax net operating income | $284,000 | 7,604 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $94,000 | 6,020 |
| Income before extraordinary items | $190,000 | 7,892 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $190,000 | 7,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $25,000 | 6,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $190,000 | 7,783 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,287,000 | 8,909 |
| Total interest expense | $634,000 | 8,759 |
| Net interest income | $653,000 | 8,939 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $55,000 | 9,107 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $47,000 | 7,661 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,000 | 9,210 |
| Total noninterest expense | $442,000 | 9,288 |
| Salaries and employee benefits | $294,000 | 9,088 |
| Premises and equipment expense | $30,000 | 9,406 |
| Additional noninterest expense | $118,000 | 9,264 |
| Pre-tax net operating income | $251,000 | 7,626 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $89,000 | 6,140 |
| Income before extraordinary items | $162,000 | 7,953 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $162,000 | 7,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $19,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $162,000 | 7,844 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,292,000 | 9,162 |
| Total interest expense | $611,000 | 9,033 |
| Net interest income | $681,000 | 9,163 |
| Provision for loan and lease losses | $35,000 | 7,078 |
| Total noninterest income | $63,000 | 9,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 7,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,650 |
| Total noninterest expense | $427,000 | 9,538 |
| Salaries and employee benefits | $278,000 | 9,354 |
| Premises and equipment expense | $33,000 | 9,633 |
| Additional noninterest expense | $116,000 | 9,522 |
| Pre-tax net operating income | $282,000 | 7,978 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $93,000 | 6,606 |
| Income before extraordinary items | $187,000 | 8,153 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $187,000 | 8,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $19,000 | 6,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $188,340 | 8,144 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 9,461 |
| Total interest expense | $540,000 | 9,350 |
| Net interest income | $629,000 | 9,453 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $47,000 | 9,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 8,070 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 9,868 |
| Total noninterest expense | $386,000 | 9,909 |
| Salaries and employee benefits | $255,000 | 9,699 |
| Premises and equipment expense | $28,000 | 9,999 |
| Additional noninterest expense | $103,000 | 9,902 |
| Pre-tax net operating income | $270,000 | 8,253 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $72,000 | 7,308 |
| Income before extraordinary items | $198,000 | 8,325 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $198,000 | 8,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $15,000 | 6,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $198,000 | 8,287 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,196,000 | 9,659 |
| Total interest expense | $568,000 | 9,554 |
| Net interest income | $628,000 | 9,668 |
| Provision for loan and lease losses | $65,000 | 5,993 |
| Total noninterest income | $42,000 | 9,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 8,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 10,199 |
| Total noninterest expense | $365,000 | 10,137 |
| Salaries and employee benefits | $234,000 | 9,955 |
| Premises and equipment expense | $40,000 | 10,020 |
| Additional noninterest expense | $91,000 | 10,191 |
| Pre-tax net operating income | $240,000 | 8,714 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $50,000 | 8,328 |
| Income before extraordinary items | $190,000 | 8,687 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $190,000 | 8,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,945 |
| Cash dividends | $10,000 | 7,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $190,000 | 8,618 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 10,162 |
| Total interest expense | $547,000 | 9,978 |
| Net interest income | $581,000 | 10,224 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $40,000 | 10,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 8,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,710 |
| Total noninterest expense | $359,000 | 10,574 |
| Salaries and employee benefits | $238,000 | 10,344 |
| Premises and equipment expense | $36,000 | 10,506 |
| Additional noninterest expense | $85,000 | 10,658 |
| Pre-tax net operating income | $82,000 | 10,131 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $14,000 | 9,835 |
| Income before extraordinary items | $68,000 | 10,144 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $68,000 | 10,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,743 |
| Cash dividends | $10,000 | 7,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $68,000 | 10,108 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,074,000 | 10,720 |
| Total interest expense | $509,000 | 10,573 |
| Net interest income | $565,000 | 10,743 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $30,000 | 11,136 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 9,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,282 |
| Total noninterest expense | $358,000 | 11,091 |
| Salaries and employee benefits | $234,000 | 10,814 |
| Premises and equipment expense | $39,000 | 10,933 |
| Additional noninterest expense | $85,000 | 11,205 |
| Pre-tax net operating income | $157,000 | 10,038 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $46,000 | 9,765 |
| Income before extraordinary items | $111,000 | 10,128 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $111,000 | 10,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $111,000 | 10,069 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $985,000 | 11,306 |
| Total interest expense | $455,000 | 11,177 |
| Net interest income | $530,000 | 11,326 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $30,000 | 11,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 9,905 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $337,000 | 11,631 |
| Salaries and employee benefits | $211,000 | 11,430 |
| Premises and equipment expense | $40,000 | 11,383 |
| Additional noninterest expense | $86,000 | 11,731 |
| Pre-tax net operating income | $133,000 | 10,887 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $32,000 | 10,549 |
| Income before extraordinary items | $101,000 | 10,924 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $101,000 | 10,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,914 |
| Cash dividends | $10,000 | 8,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $101,000 | 10,897 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $852,000 | 11,984 |
| Total interest expense | $371,000 | 11,732 |
| Net interest income | $481,000 | 12,059 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $32,000 | 12,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $320,000 | 12,295 |
| Salaries and employee benefits | $186,000 | 12,162 |
| Premises and equipment expense | $40,000 | 11,980 |
| Additional noninterest expense | $94,000 | 12,342 |
| Pre-tax net operating income | $123,000 | 11,468 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $25,000 | 11,050 |
| Income before extraordinary items | $98,000 | 11,405 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $98,000 | 11,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,182 |
| Cash dividends | $10,000 | 8,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $98,000 | 11,444 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $822,000 | 12,636 |
| Total interest expense | $369,000 | 12,363 |
| Net interest income | $453,000 | 12,684 |
| Provision for loan and lease losses | $65,000 | 6,791 |
| Total noninterest income | $30,000 | 12,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 10,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,123 |
| Total noninterest expense | $310,000 | 12,952 |
| Salaries and employee benefits | $177,000 | 12,811 |
| Premises and equipment expense | $45,000 | 12,369 |
| Additional noninterest expense | $88,000 | 13,042 |
| Pre-tax net operating income | $108,000 | 11,812 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $31,000 | 11,357 |
| Income before extraordinary items | $86,000 | 11,942 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $86,000 | 11,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 5,461 |
| Cash dividends | $10,000 | 8,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $86,000 | 11,759 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $902,000 | 13,191 |
| Total interest expense | $433,000 | 13,055 |
| Net interest income | $469,000 | 13,179 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $29,000 | 13,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 11,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,804 |
| Total noninterest expense | $295,000 | 13,576 |
| Salaries and employee benefits | $170,000 | 13,413 |
| Premises and equipment expense | $38,000 | 13,134 |
| Additional noninterest expense | $87,000 | 13,631 |
| Pre-tax net operating income | $113,000 | 11,886 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $21,000 | 12,079 |
| Income before extraordinary items | $92,000 | 12,035 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $92,000 | 12,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $10,000 | 8,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $92,000 | 11,739 |
* 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.