Home > Fredonia State Bank > Income and Expense
Fredonia State Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,070,000 | 1,478 |
| Total interest expense | $9,413,000 | 1,595 |
| Net interest income | $12,657,000 | 1,375 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $2,544,000 | 1,546 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,064,000 | 639 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $480,000 | 3,031 |
| Total noninterest expense | $8,319,000 | 1,655 |
| Salaries and employee benefits | $4,724,000 | 1,455 |
| Premises and equipment expense | $1,144,000 | 1,783 |
| Additional noninterest expense | $2,451,000 | 1,803 |
| Pre-tax net operating income | $6,882,000 | 1,125 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,151,000 | 1,158 |
| Income before extraordinary items | $4,731,000 | 1,159 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,731,000 | 1,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,755 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $7,000,000 | 154 |
| Net operating income | $4,731,000 | 1,143 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,817,000 | 1,720 |
| Total interest expense | $8,056,000 | 1,898 |
| Net interest income | $10,761,000 | 1,570 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $2,093,000 | 1,761 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,665,000 | 749 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $428,000 | 3,289 |
| Total noninterest expense | $6,330,000 | 2,080 |
| Salaries and employee benefits | $3,816,000 | 1,735 |
| Premises and equipment expense | $941,000 | 2,068 |
| Additional noninterest expense | $1,573,000 | 2,651 |
| Pre-tax net operating income | $6,524,000 | 1,148 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $1,639,000 | 1,491 |
| Income before extraordinary items | $4,886,000 | 1,106 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,886,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,320 |
| Cash dividends | $3,401,000 | 884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,885,250 | 1,069 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,125,000 | 1,825 |
| Total interest expense | $7,750,000 | 1,987 |
| Net interest income | $10,375,000 | 1,683 |
| Provision for loan and lease losses | $623,000 | 1,462 |
| Total noninterest income | $2,812,000 | 1,346 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,667,000 | 765 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,145,000 | 1,609 |
| Total noninterest expense | $6,826,000 | 1,893 |
| Salaries and employee benefits | $3,959,000 | 1,659 |
| Premises and equipment expense | $1,070,000 | 1,854 |
| Additional noninterest expense | $1,797,000 | 2,312 |
| Pre-tax net operating income | $5,738,000 | 1,350 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,815,000 | 1,443 |
| Income before extraordinary items | $3,923,000 | 1,397 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,923,000 | 1,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,386 |
| Cash dividends | $5,710,000 | 569 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,923,000 | 1,357 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,931,000 | 2,114 |
| Total interest expense | $7,594,000 | 2,066 |
| Net interest income | $8,337,000 | 2,153 |
| Provision for loan and lease losses | $-750,000 | 11,402 |
| Total noninterest income | $1,973,000 | 1,855 |
| Gross Fiduciary activities income | $3,000 | 1,477 |
| Service charges on deposit accounts | $1,600,000 | 829 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $370,000 | 3,554 |
| Total noninterest expense | $5,185,000 | 2,625 |
| Salaries and employee benefits | $2,762,000 | 2,412 |
| Premises and equipment expense | $980,000 | 2,046 |
| Additional noninterest expense | $1,443,000 | 3,227 |
| Pre-tax net operating income | $5,875,000 | 1,230 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,755,000 | 1,381 |
| Income before extraordinary items | $4,120,000 | 1,221 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,120,000 | 1,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,342 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,120,000 | 1,197 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,318,000 | 2,202 |
| Total interest expense | $7,265,000 | 2,138 |
| Net interest income | $8,053,000 | 2,240 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $2,074,000 | 1,782 |
| Gross Fiduciary activities income | $5,000 | 1,518 |
| Service charges on deposit accounts | $1,591,000 | 827 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $478,000 | 2,963 |
| Total noninterest expense | $5,128,000 | 2,645 |
| Salaries and employee benefits | $2,648,000 | 2,523 |
| Premises and equipment expense | $889,000 | 2,254 |
| Additional noninterest expense | $1,591,000 | 2,944 |
| Pre-tax net operating income | $4,999,000 | 1,506 |
| Securities gains (losses) | $-247,000 | 11,714 |
| Applicable income taxes | $1,372,000 | 1,776 |
| Income before extraordinary items | $3,380,000 | 1,517 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,380,000 | 1,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 2,018 |
| Cash dividends | $1,700,000 | 1,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,555,370 | 1,430 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,889,000 | 2,207 |
| Total interest expense | $5,842,000 | 2,143 |
| Net interest income | $8,047,000 | 2,245 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,733,000 | 2,053 |
| Gross Fiduciary activities income | $6,000 | 1,510 |
| Service charges on deposit accounts | $1,386,000 | 952 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $341,000 | 3,776 |
| Total noninterest expense | $6,025,000 | 2,333 |
| Salaries and employee benefits | $3,363,000 | 1,983 |
| Premises and equipment expense | $777,000 | 2,592 |
| Additional noninterest expense | $1,885,000 | 2,712 |
| Pre-tax net operating income | $3,755,000 | 1,894 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $1,050,000 | 2,125 |
| Income before extraordinary items | $2,701,000 | 1,803 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,701,000 | 1,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,240 |
| Cash dividends | $2,800,000 | 858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,703,880 | 1,810 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,962,000 | 2,581 |
| Total interest expense | $5,008,000 | 2,562 |
| Net interest income | $6,954,000 | 2,597 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,598,000 | 2,320 |
| Gross Fiduciary activities income | $5,000 | 1,560 |
| Service charges on deposit accounts | $1,274,000 | 1,037 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $319,000 | 4,314 |
| Total noninterest expense | $5,020,000 | 2,848 |
| Salaries and employee benefits | $2,824,000 | 2,358 |
| Premises and equipment expense | $659,000 | 3,040 |
| Additional noninterest expense | $1,537,000 | 3,437 |
| Pre-tax net operating income | $3,532,000 | 1,932 |
| Securities gains (losses) | $597,000 | 798 |
| Applicable income taxes | $1,156,000 | 1,978 |
| Income before extraordinary items | $2,973,000 | 1,698 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,973,000 | 1,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,656 |
| Cash dividends | $600,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,543,160 | 1,849 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,293,000 | 2,850 |
| Total interest expense | $5,676,000 | 2,937 |
| Net interest income | $6,617,000 | 2,769 |
| Provision for loan and lease losses | $525,000 | 2,889 |
| Total noninterest income | $2,206,000 | 1,821 |
| Gross Fiduciary activities income | $7,000 | 1,569 |
| Service charges on deposit accounts | $1,193,000 | 1,100 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,006,000 | 1,992 |
| Total noninterest expense | $4,718,000 | 3,025 |
| Salaries and employee benefits | $2,490,000 | 2,612 |
| Premises and equipment expense | $551,000 | 3,643 |
| Additional noninterest expense | $1,677,000 | 3,259 |
| Pre-tax net operating income | $3,580,000 | 1,725 |
| Securities gains (losses) | $150,000 | 2,415 |
| Applicable income taxes | $1,103,000 | 1,928 |
| Income before extraordinary items | $2,627,000 | 1,737 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,627,000 | 1,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $624,000 | 2,126 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,522,000 | 1,664 |
* 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.