Home > Fredericksburg State Bank > Income and Expense
Fredericksburg State Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $38,263,000 | 923 |
| Total interest expense | $18,592,000 | 965 |
| Net interest income | $19,671,000 | 883 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $679,000 | 4,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $679,000 | 2,413 |
| Total noninterest expense | $7,644,000 | 1,820 |
| Salaries and employee benefits | $4,965,000 | 1,427 |
| Premises and equipment expense | $1,185,000 | 1,760 |
| Additional noninterest expense | $1,494,000 | 2,837 |
| Pre-tax net operating income | $12,636,000 | 635 |
| Securities gains (losses) | $-39,000 | 9,081 |
| Applicable income taxes | $4,759,000 | 570 |
| Income before extraordinary items | $7,838,000 | 701 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,838,000 | 701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-521,000 | 9,880 |
| Cash dividends | $35,282,000 | 173 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,862,960 | 698 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $36,897,000 | 914 |
| Total interest expense | $17,018,000 | 917 |
| Net interest income | $19,879,000 | 887 |
| Provision for loan and lease losses | $117,000 | 4,922 |
| Total noninterest income | $1,997,000 | 1,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,997,000 | 1,157 |
| Total noninterest expense | $8,352,000 | 1,648 |
| Salaries and employee benefits | $5,349,000 | 1,299 |
| Premises and equipment expense | $1,243,000 | 1,640 |
| Additional noninterest expense | $1,760,000 | 2,467 |
| Pre-tax net operating income | $13,407,000 | 651 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $4,742,000 | 618 |
| Income before extraordinary items | $8,665,000 | 694 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,665,000 | 693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,193 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,665,000 | 679 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $36,154,000 | 919 |
| Total interest expense | $19,269,000 | 832 |
| Net interest income | $16,885,000 | 998 |
| Provision for loan and lease losses | $457,000 | 1,846 |
| Total noninterest income | $2,460,000 | 1,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,460,000 | 1,028 |
| Total noninterest expense | $6,508,000 | 2,011 |
| Salaries and employee benefits | $3,799,000 | 1,740 |
| Premises and equipment expense | $1,096,000 | 1,798 |
| Additional noninterest expense | $1,613,000 | 2,602 |
| Pre-tax net operating income | $12,380,000 | 661 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $4,527,000 | 622 |
| Income before extraordinary items | $7,853,000 | 725 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $7,853,000 | 725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $533,000 | 1,203 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $52,020,000 | 19 |
| Net operating income | $7,853,000 | 699 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $36,510,000 | 942 |
| Total interest expense | $19,418,000 | 846 |
| Net interest income | $17,092,000 | 1,034 |
| Provision for loan and lease losses | $314,000 | 2,503 |
| Total noninterest income | $786,000 | 3,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $786,000 | 2,054 |
| Total noninterest expense | $7,183,000 | 1,807 |
| Salaries and employee benefits | $3,982,000 | 1,648 |
| Premises and equipment expense | $1,141,000 | 1,722 |
| Additional noninterest expense | $2,060,000 | 2,031 |
| Pre-tax net operating income | $10,381,000 | 791 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $3,953,000 | 730 |
| Income before extraordinary items | $6,428,000 | 859 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,428,000 | 861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,326 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $6,428,000 | 840 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $36,031,000 | 978 |
| Total interest expense | $19,535,000 | 860 |
| Net interest income | $16,496,000 | 1,101 |
| Provision for loan and lease losses | $574,000 | 1,576 |
| Total noninterest income | $528,000 | 4,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $528,000 | 2,817 |
| Total noninterest expense | $9,465,000 | 1,507 |
| Salaries and employee benefits | $4,216,000 | 1,586 |
| Premises and equipment expense | $1,368,000 | 1,482 |
| Additional noninterest expense | $3,881,000 | 1,386 |
| Pre-tax net operating income | $6,985,000 | 1,073 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,760,000 | 937 |
| Income before extraordinary items | $4,225,000 | 1,198 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,225,000 | 1,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,596 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,225,000 | 1,177 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $35,984,000 | 993 |
| Total interest expense | $18,998,000 | 917 |
| Net interest income | $16,986,000 | 1,077 |
| Provision for loan and lease losses | $432,000 | 1,760 |
| Total noninterest income | $851,000 | 3,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $851,000 | 2,007 |
| Total noninterest expense | $6,677,000 | 2,066 |
| Salaries and employee benefits | $3,824,000 | 1,738 |
| Premises and equipment expense | $964,000 | 2,088 |
| Additional noninterest expense | $1,889,000 | 2,528 |
| Pre-tax net operating income | $10,728,000 | 797 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $4,070,000 | 712 |
| Income before extraordinary items | $6,658,000 | 848 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,658,000 | 847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,406 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $6,658,000 | 834 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $31,975,000 | 993 |
| Total interest expense | $16,619,000 | 836 |
| Net interest income | $15,356,000 | 1,188 |
| Provision for loan and lease losses | $1,069,000 | 888 |
| Total noninterest income | $1,599,000 | 2,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,599,000 | 1,313 |
| Total noninterest expense | $6,870,000 | 2,077 |
| Salaries and employee benefits | $4,014,000 | 1,665 |
| Premises and equipment expense | $913,000 | 2,207 |
| Additional noninterest expense | $1,943,000 | 2,639 |
| Pre-tax net operating income | $9,016,000 | 861 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $2,959,000 | 887 |
| Income before extraordinary items | $6,054,000 | 859 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,054,000 | 859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,659 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,056,010 | 862 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $34,477,000 | 936 |
| Total interest expense | $17,978,000 | 783 |
| Net interest income | $16,499,000 | 1,111 |
| Provision for loan and lease losses | $888,000 | 1,419 |
| Total noninterest income | $515,000 | 5,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $515,000 | 3,207 |
| Total noninterest expense | $7,509,000 | 1,963 |
| Salaries and employee benefits | $4,568,000 | 1,483 |
| Premises and equipment expense | $947,000 | 2,169 |
| Additional noninterest expense | $1,994,000 | 2,741 |
| Pre-tax net operating income | $8,617,000 | 856 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $3,935,000 | 658 |
| Income before extraordinary items | $4,685,000 | 1,111 |
| Extraordinary gains, net | $680,000 | 333 |
| Net income | $5,365,000 | 996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 2,198 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,683,080 | 1,035 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $39,824,000 | 950 |
| Total interest expense | $23,286,000 | 808 |
| Net interest income | $16,538,000 | 1,127 |
| Provision for loan and lease losses | $1,690,000 | 1,292 |
| Total noninterest income | $490,000 | 5,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $490,000 | 3,240 |
| Total noninterest expense | $6,892,000 | 2,132 |
| Salaries and employee benefits | $3,623,000 | 1,835 |
| Premises and equipment expense | $922,000 | 2,256 |
| Additional noninterest expense | $2,346,000 | 2,446 |
| Pre-tax net operating income | $8,446,000 | 762 |
| Securities gains (losses) | $-12,000 | 13,350 |
| Applicable income taxes | $3,400,000 | 687 |
| Income before extraordinary items | $5,034,000 | 946 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,034,000 | 949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,076,000 | 1,494 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,041,680 | 858 |
* 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.