Home > Frontier State Bank > Income and Expense
Frontier State Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,609,000 | 4,181 |
| Total interest expense | $2,395,000 | 5,528 |
| Net interest income | $5,214,000 | 3,326 |
| Provision for loan and lease losses | $1,458,000 | 933 |
| Total noninterest income | $1,940,000 | 2,063 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $881,000 | 1,722 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,059,000 | 1,958 |
| Total noninterest expense | $6,500,000 | 2,214 |
| Salaries and employee benefits | $3,428,000 | 2,182 |
| Premises and equipment expense | $1,037,000 | 2,050 |
| Additional noninterest expense | $2,035,000 | 2,208 |
| Pre-tax net operating income | $-804,000 | 9,284 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $-212,000 | 9,384 |
| Income before extraordinary items | $-589,000 | 9,273 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-589,000 | 9,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $645,000 | 1,291 |
| Cash dividends | $1,000 | 6,609 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 765 |
| Net operating income | $-591,220 | 9,237 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,633,000 | 3,883 |
| Total interest expense | $2,584,000 | 5,438 |
| Net interest income | $6,049,000 | 2,912 |
| Provision for loan and lease losses | $674,000 | 1,470 |
| Total noninterest income | $1,108,000 | 2,928 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $651,000 | 2,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $457,000 | 3,094 |
| Total noninterest expense | $5,708,000 | 2,397 |
| Salaries and employee benefits | $3,073,000 | 2,328 |
| Premises and equipment expense | $887,000 | 2,339 |
| Additional noninterest expense | $1,748,000 | 2,454 |
| Pre-tax net operating income | $775,000 | 5,955 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $272,000 | 4,799 |
| Income before extraordinary items | $503,000 | 6,299 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $503,000 | 6,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,404 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 871 |
| Net operating income | $503,000 | 6,319 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,475,000 | 4,690 |
| Total interest expense | $1,506,000 | 6,962 |
| Net interest income | $4,969,000 | 3,469 |
| Provision for loan and lease losses | $65,000 | 6,026 |
| Total noninterest income | $969,000 | 3,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $567,000 | 2,362 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $402,000 | 3,402 |
| Total noninterest expense | $5,848,000 | 2,328 |
| Salaries and employee benefits | $2,893,000 | 2,424 |
| Premises and equipment expense | $888,000 | 2,287 |
| Additional noninterest expense | $2,068,000 | 2,110 |
| Pre-tax net operating income | $24,000 | 9,322 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-50,000 | 9,828 |
| Income before extraordinary items | $74,000 | 9,121 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $74,000 | 9,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,149 |
| Cash dividends | $2,000 | 7,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $74,000 | 9,087 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,983,000 | 5,008 |
| Total interest expense | $1,735,000 | 6,687 |
| Net interest income | $4,248,000 | 3,929 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $1,067,000 | 2,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $446,000 | 2,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $621,000 | 2,589 |
| Total noninterest expense | $4,255,000 | 3,054 |
| Salaries and employee benefits | $2,043,000 | 3,266 |
| Premises and equipment expense | $536,000 | 3,508 |
| Additional noninterest expense | $1,676,000 | 2,485 |
| Pre-tax net operating income | $970,000 | 5,516 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $334,000 | 4,894 |
| Income before extraordinary items | $636,000 | 5,878 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $636,000 | 5,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,064 |
| Cash dividends | $263,000 | 4,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $636,000 | 5,771 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,021,000 | 5,793 |
| Total interest expense | $1,391,000 | 7,603 |
| Net interest income | $3,630,000 | 4,593 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $751,000 | 3,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,622 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $402,000 | 3,267 |
| Total noninterest expense | $3,257,000 | 3,834 |
| Salaries and employee benefits | $1,706,000 | 3,826 |
| Premises and equipment expense | $540,000 | 3,455 |
| Additional noninterest expense | $1,011,000 | 3,861 |
| Pre-tax net operating income | $1,064,000 | 5,640 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $356,000 | 5,248 |
| Income before extraordinary items | $708,000 | 5,866 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $708,000 | 5,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,402 |
| Cash dividends | $341,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $708,000 | 5,821 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 6,605 |
| Total interest expense | $1,231,000 | 8,288 |
| Net interest income | $3,044,000 | 5,382 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,098,000 | 2,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $277,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $821,000 | 2,073 |
| Total noninterest expense | $2,357,000 | 5,249 |
| Salaries and employee benefits | $1,315,000 | 4,809 |
| Premises and equipment expense | $389,000 | 4,641 |
| Additional noninterest expense | $653,000 | 6,012 |
| Pre-tax net operating income | $1,785,000 | 3,756 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $648,000 | 3,373 |
| Income before extraordinary items | $1,137,000 | 4,048 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,137,000 | 4,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $263,000 | 4,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,137,000 | 3,993 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,015,000 | 6,982 |
| Total interest expense | $1,091,000 | 8,933 |
| Net interest income | $2,924,000 | 5,613 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $771,000 | 3,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $508,000 | 2,851 |
| Total noninterest expense | $2,523,000 | 4,956 |
| Salaries and employee benefits | $1,164,000 | 5,357 |
| Premises and equipment expense | $372,000 | 4,814 |
| Additional noninterest expense | $987,000 | 4,399 |
| Pre-tax net operating income | $1,052,000 | 5,785 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $397,000 | 4,971 |
| Income before extraordinary items | $655,000 | 6,266 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $655,000 | 6,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,295 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $655,000 | 6,253 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,420,000 | 7,451 |
| Total interest expense | $887,000 | 9,194 |
| Net interest income | $2,533,000 | 6,412 |
| Provision for loan and lease losses | $445,000 | 1,688 |
| Total noninterest income | $812,000 | 3,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $559,000 | 2,736 |
| Total noninterest expense | $2,059,000 | 6,047 |
| Salaries and employee benefits | $1,000,000 | 6,088 |
| Premises and equipment expense | $358,000 | 5,012 |
| Additional noninterest expense | $701,000 | 6,303 |
| Pre-tax net operating income | $841,000 | 6,670 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $294,000 | 5,955 |
| Income before extraordinary items | $547,000 | 6,934 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $547,000 | 6,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,275 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $547,000 | 6,987 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,607,000 | 7,392 |
| Total interest expense | $1,001,000 | 9,105 |
| Net interest income | $2,606,000 | 6,340 |
| Provision for loan and lease losses | $171,000 | 4,328 |
| Total noninterest income | $524,000 | 5,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,305 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,593 |
| Total noninterest expense | $2,207,000 | 5,851 |
| Salaries and employee benefits | $959,000 | 6,364 |
| Premises and equipment expense | $373,000 | 4,988 |
| Additional noninterest expense | $875,000 | 5,499 |
| Pre-tax net operating income | $752,000 | 7,088 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $170,000 | 8,203 |
| Income before extraordinary items | $582,000 | 6,918 |
| Extraordinary gains, net | $-12,000 | 12,346 |
| Net income | $570,000 | 7,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,863 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $582,000 | 6,669 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,554,000 | 8,101 |
| Total interest expense | $1,324,000 | 9,147 |
| Net interest income | $2,230,000 | 7,175 |
| Provision for loan and lease losses | $91,000 | 7,521 |
| Total noninterest income | $555,000 | 5,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $302,000 | 4,408 |
| Total noninterest expense | $2,146,000 | 6,039 |
| Salaries and employee benefits | $921,000 | 6,501 |
| Premises and equipment expense | $363,000 | 5,201 |
| Additional noninterest expense | $863,000 | 5,713 |
| Pre-tax net operating income | $548,000 | 8,083 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $154,000 | 8,513 |
| Income before extraordinary items | $394,000 | 8,284 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $394,000 | 8,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 5,670 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $394,000 | 7,920 |
* 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.