Home > Home State Bank of Clearwater > Income and Expense
Home State Bank of Clearwater, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,479,000 | 10,772 |
| Total interest expense | $452,000 | 11,324 |
| Net interest income | $1,027,000 | 10,305 |
| Provision for loan and lease losses | $-200,000 | 12,313 |
| Total noninterest income | $172,000 | 9,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,157 |
| Total noninterest expense | $889,000 | 9,823 |
| Salaries and employee benefits | $496,000 | 9,425 |
| Premises and equipment expense | $86,000 | 10,464 |
| Additional noninterest expense | $307,000 | 9,885 |
| Pre-tax net operating income | $510,000 | 8,589 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $168,000 | 7,964 |
| Income before extraordinary items | $342,000 | 8,698 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $342,000 | 8,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $669,000 | 2,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $342,000 | 8,764 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,610,000 | 10,977 |
| Total interest expense | $497,000 | 11,697 |
| Net interest income | $1,113,000 | 10,355 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $198,000 | 9,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,306 |
| Total noninterest expense | $954,000 | 9,954 |
| Salaries and employee benefits | $530,000 | 9,382 |
| Premises and equipment expense | $110,000 | 10,124 |
| Additional noninterest expense | $314,000 | 10,267 |
| Pre-tax net operating income | $357,000 | 9,756 |
| Securities gains (losses) | $-7,000 | 12,665 |
| Applicable income taxes | $101,000 | 9,717 |
| Income before extraordinary items | $249,000 | 10,054 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $249,000 | 10,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 11,891 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,010 |
| Net operating income | $253,970 | 9,748 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 10,981 |
| Total interest expense | $745,000 | 11,603 |
| Net interest income | $1,210,000 | 10,295 |
| Provision for loan and lease losses | $92,000 | 7,505 |
| Total noninterest income | $194,000 | 9,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 7,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 10,164 |
| Total noninterest expense | $930,000 | 10,304 |
| Salaries and employee benefits | $507,000 | 9,719 |
| Premises and equipment expense | $109,000 | 10,409 |
| Additional noninterest expense | $314,000 | 10,627 |
| Pre-tax net operating income | $382,000 | 9,406 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $110,000 | 9,648 |
| Income before extraordinary items | $269,000 | 9,689 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $269,000 | 9,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 12,901 |
| Cash dividends | $45,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $271,130 | 9,293 |
* 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.