Home > Hand County State Bank > Income and Expense
Hand County State Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,719,000 | 6,594 |
| Total interest expense | $1,566,000 | 6,807 |
| Net interest income | $2,153,000 | 6,367 |
| Provision for loan and lease losses | $-425,000 | 10,177 |
| Total noninterest income | $228,000 | 7,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 5,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,287 |
| Total noninterest expense | $1,506,000 | 6,768 |
| Salaries and employee benefits | $677,000 | 7,362 |
| Premises and equipment expense | $189,000 | 6,987 |
| Additional noninterest expense | $640,000 | 5,577 |
| Pre-tax net operating income | $1,300,000 | 4,517 |
| Securities gains (losses) | $-123,000 | 9,986 |
| Applicable income taxes | $59,000 | 7,514 |
| Income before extraordinary items | $1,118,000 | 4,083 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,118,000 | 4,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $1,721,000 | 1,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,234,850 | 3,755 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,934,000 | 6,536 |
| Total interest expense | $1,809,000 | 6,536 |
| Net interest income | $2,125,000 | 6,440 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $247,000 | 7,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,506 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,022 |
| Total noninterest expense | $1,258,000 | 7,384 |
| Salaries and employee benefits | $667,000 | 7,390 |
| Premises and equipment expense | $180,000 | 7,052 |
| Additional noninterest expense | $411,000 | 7,129 |
| Pre-tax net operating income | $1,114,000 | 5,107 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $47,000 | 8,390 |
| Income before extraordinary items | $1,067,000 | 4,281 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,067,000 | 4,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $1,287,000 | 1,857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,067,000 | 4,185 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,921,000 | 6,729 |
| Total interest expense | $1,811,000 | 6,660 |
| Net interest income | $2,110,000 | 6,698 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $232,000 | 7,438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 6,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,233 |
| Total noninterest expense | $1,228,000 | 7,576 |
| Salaries and employee benefits | $648,000 | 7,616 |
| Premises and equipment expense | $180,000 | 7,193 |
| Additional noninterest expense | $400,000 | 7,358 |
| Pre-tax net operating income | $1,114,000 | 5,486 |
| Securities gains (losses) | $40,000 | 1,476 |
| Applicable income taxes | $51,000 | 9,239 |
| Income before extraordinary items | $1,103,000 | 4,360 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,103,000 | 4,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,707 |
| Cash dividends | $450,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,064,600 | 4,411 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,933,000 | 6,935 |
| Total interest expense | $1,758,000 | 6,942 |
| Net interest income | $2,175,000 | 6,813 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $189,000 | 8,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 7,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,355 |
| Total noninterest expense | $1,147,000 | 8,171 |
| Salaries and employee benefits | $595,000 | 8,167 |
| Premises and equipment expense | $215,000 | 6,774 |
| Additional noninterest expense | $337,000 | 8,498 |
| Pre-tax net operating income | $1,217,000 | 5,076 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $355,000 | 5,274 |
| Income before extraordinary items | $862,000 | 5,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $862,000 | 5,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,727 |
| Cash dividends | $450,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $862,000 | 4,969 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,326,000 | 6,647 |
| Total interest expense | $2,045,000 | 6,365 |
| Net interest income | $2,281,000 | 6,724 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $167,000 | 9,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 7,980 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,156 |
| Total noninterest expense | $1,122,000 | 8,496 |
| Salaries and employee benefits | $584,000 | 8,466 |
| Premises and equipment expense | $198,000 | 7,235 |
| Additional noninterest expense | $340,000 | 8,794 |
| Pre-tax net operating income | $1,326,000 | 4,889 |
| Securities gains (losses) | $-17,000 | 10,458 |
| Applicable income taxes | $407,000 | 4,892 |
| Income before extraordinary items | $902,000 | 4,989 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $902,000 | 4,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,961 |
| Cash dividends | $225,000 | 5,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $913,730 | 4,928 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,972,000 | 6,732 |
| Total interest expense | $1,700,000 | 6,328 |
| Net interest income | $2,272,000 | 6,916 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $170,000 | 9,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 8,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $1,183,000 | 8,677 |
| Salaries and employee benefits | $542,000 | 9,025 |
| Premises and equipment expense | $201,000 | 7,402 |
| Additional noninterest expense | $440,000 | 8,419 |
| Pre-tax net operating income | $1,209,000 | 5,211 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $392,000 | 4,832 |
| Income before extraordinary items | $817,000 | 5,282 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $817,000 | 5,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $225,000 | 5,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $817,000 | 5,338 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,862,000 | 7,046 |
| Total interest expense | $1,746,000 | 6,495 |
| Net interest income | $2,116,000 | 7,395 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $273,000 | 8,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 6,167 |
| Total noninterest expense | $1,140,000 | 9,159 |
| Salaries and employee benefits | $489,000 | 9,780 |
| Premises and equipment expense | $181,000 | 8,115 |
| Additional noninterest expense | $470,000 | 8,519 |
| Pre-tax net operating income | $1,129,000 | 5,417 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $353,000 | 5,462 |
| Income before extraordinary items | $776,000 | 5,694 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $776,000 | 5,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $225,000 | 5,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $776,000 | 5,457 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,122,000 | 7,354 |
| Total interest expense | $2,225,000 | 6,569 |
| Net interest income | $1,897,000 | 8,049 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $243,000 | 8,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,573 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $1,097,000 | 9,523 |
| Salaries and employee benefits | $462,000 | 10,177 |
| Premises and equipment expense | $167,000 | 8,636 |
| Additional noninterest expense | $468,000 | 8,781 |
| Pre-tax net operating income | $923,000 | 5,977 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $289,000 | 6,086 |
| Income before extraordinary items | $640,000 | 6,293 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $640,000 | 6,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $225,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $635,860 | 5,981 |
* 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.