Home > Home State Bank > Income and Expense
Home State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,076,000 | 7,663 |
| Total interest expense | $1,457,000 | 7,448 |
| Net interest income | $1,619,000 | 7,728 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $174,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $890,000 | 8,714 |
| Salaries and employee benefits | $547,000 | 8,268 |
| Premises and equipment expense | $149,000 | 7,823 |
| Additional noninterest expense | $194,000 | 9,481 |
| Pre-tax net operating income | $878,000 | 6,218 |
| Securities gains (losses) | $128,000 | 878 |
| Applicable income taxes | $315,000 | 5,588 |
| Income before extraordinary items | $691,000 | 5,950 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $691,000 | 5,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,767 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $602,680 | 6,302 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,913,000 | 8,109 |
| Total interest expense | $1,394,000 | 7,851 |
| Net interest income | $1,519,000 | 8,227 |
| Provision for loan and lease losses | $95,000 | 5,238 |
| Total noninterest income | $192,000 | 8,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $994,000 | 8,690 |
| Salaries and employee benefits | $531,000 | 8,647 |
| Premises and equipment expense | $151,000 | 8,033 |
| Additional noninterest expense | $312,000 | 8,741 |
| Pre-tax net operating income | $622,000 | 7,302 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $206,000 | 7,049 |
| Income before extraordinary items | $416,000 | 7,489 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $416,000 | 7,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,891 |
| Cash dividends | $98,000 | 6,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $416,000 | 7,434 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,944,000 | 8,286 |
| Total interest expense | $1,386,000 | 8,013 |
| Net interest income | $1,558,000 | 8,369 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $191,000 | 8,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,586 |
| Total noninterest expense | $1,100,000 | 8,576 |
| Salaries and employee benefits | $583,000 | 8,475 |
| Premises and equipment expense | $200,000 | 7,189 |
| Additional noninterest expense | $317,000 | 9,073 |
| Pre-tax net operating income | $649,000 | 7,594 |
| Securities gains (losses) | $-35,000 | 10,941 |
| Applicable income taxes | $139,000 | 8,466 |
| Income before extraordinary items | $475,000 | 7,442 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $475,000 | 7,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $111,000 | 6,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $501,950 | 7,213 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 8,429 |
| Total interest expense | $1,235,000 | 7,766 |
| Net interest income | $1,535,000 | 8,782 |
| Provision for loan and lease losses | $-5,000 | 11,718 |
| Total noninterest income | $199,000 | 8,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,596 |
| Total noninterest expense | $1,375,000 | 7,989 |
| Salaries and employee benefits | $621,000 | 8,479 |
| Premises and equipment expense | $199,000 | 7,444 |
| Additional noninterest expense | $555,000 | 7,388 |
| Pre-tax net operating income | $364,000 | 9,634 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $65,000 | 10,116 |
| Income before extraordinary items | $299,000 | 9,157 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $299,000 | 9,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 11,695 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $299,000 | 9,220 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,688,000 | 8,846 |
| Total interest expense | $1,102,000 | 8,675 |
| Net interest income | $1,586,000 | 8,844 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $196,000 | 9,304 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,863 |
| Total noninterest expense | $1,198,000 | 8,898 |
| Salaries and employee benefits | $609,000 | 8,728 |
| Premises and equipment expense | $201,000 | 7,662 |
| Additional noninterest expense | $388,000 | 9,393 |
| Pre-tax net operating income | $584,000 | 8,056 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $60,000 | 10,703 |
| Income before extraordinary items | $524,000 | 7,356 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $524,000 | 7,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $131,000 | 6,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $524,000 | 7,107 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,916,000 | 9,132 |
| Total interest expense | $1,467,000 | 8,615 |
| Net interest income | $1,449,000 | 9,456 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $229,000 | 8,874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,388 |
| Total noninterest expense | $1,165,000 | 9,211 |
| Salaries and employee benefits | $562,000 | 9,167 |
| Premises and equipment expense | $204,000 | 7,741 |
| Additional noninterest expense | $399,000 | 9,583 |
| Pre-tax net operating income | $513,000 | 8,315 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $174,000 | 8,098 |
| Income before extraordinary items | $339,000 | 8,834 |
| Extraordinary gains, net | $169,000 | 506 |
| Net income | $508,000 | 7,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 6,549 |
| Cash dividends | $116,000 | 6,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $339,000 | 8,468 |
* 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.