Home > Illinois State Bank > Income and Expense

Illinois State Bank, Income and Expense

2005-09-30 (YTD Data)		Rank
Total interest income	$5,792,000	3,812
Total interest expense	$2,963,000	2,564
Net interest income	$2,829,000	4,810
Provision for loan and lease losses	$95,000	4,242
Total noninterest income	$220,000	6,394
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$129,000	5,380
Trading account gains and fees	$0	126
Additional Noninterest Income	$91,000	6,086
Total noninterest expense	$2,228,000	4,764
Salaries and employee benefits	$1,361,000	4,411
Premises and equipment expense	$258,000	5,335
Additional noninterest expense	$609,000	5,070
Pre-tax net operating income	$726,000	5,564
Securities gains (losses)	$-10,000	7,915
Applicable income taxes	$274,000	3,946
Income before extraordinary items	$442,000	6,160
Extraordinary gains, net	$0	35
Net income	$442,000	6,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,687
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$448,400	6,099
2005-06-30 (YTD Data)		Rank
Total interest income	$3,752,000	3,811
Total interest expense	$1,892,000	2,526
Net interest income	$1,860,000	4,842
Provision for loan and lease losses	$95,000	3,438
Total noninterest income	$145,000	6,403
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$90,000	5,257
Trading account gains and fees	$0	116
Additional Noninterest Income	$55,000	6,254
Total noninterest expense	$1,411,000	4,946
Salaries and employee benefits	$890,000	4,469
Premises and equipment expense	$159,000	5,543
Additional noninterest expense	$362,000	5,421
Pre-tax net operating income	$499,000	5,492
Securities gains (losses)	$-10,000	8,138
Applicable income taxes	$170,000	4,062
Income before extraordinary items	$319,000	5,987
Extraordinary gains, net	$0	30
Net income	$319,000	5,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,591
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$325,500	5,896
2005-03-31 (YTD Data)		Rank
Total interest income	$1,795,000	3,929
Total interest expense	$887,000	2,568
Net interest income	$908,000	4,930
Provision for loan and lease losses	$70,000	2,663
Total noninterest income	$66,000	6,549
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$46,000	5,168
Trading account gains and fees	$0	115
Additional Noninterest Income	$20,000	6,849
Total noninterest expense	$685,000	5,075
Salaries and employee benefits	$436,000	4,540
Premises and equipment expense	$81,000	5,528
Additional noninterest expense	$168,000	5,629
Pre-tax net operating income	$219,000	5,759
Securities gains (losses)	$-3,000	8,297
Applicable income taxes	$77,000	4,168
Income before extraordinary items	$139,000	6,272
Extraordinary gains, net	$0	24
Net income	$139,000	6,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$140,920	6,209
2004-12-31 (YTD Data)		Rank
Total interest income	$5,826,000	4,347
Total interest expense	$2,728,000	2,829
Net interest income	$3,098,000	5,316
Provision for loan and lease losses	$153,000	4,196
Total noninterest income	$293,000	6,457
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$141,000	5,910
Trading account gains and fees	$0	138
Additional Noninterest Income	$152,000	5,659
Total noninterest expense	$2,449,000	5,375
Salaries and employee benefits	$1,558,000	4,809
Premises and equipment expense	$324,000	5,456
Additional noninterest expense	$567,000	6,167
Pre-tax net operating income	$789,000	5,824
Securities gains (losses)	$0	3,819
Applicable income taxes	$268,000	4,361
Income before extraordinary items	$521,000	6,284
Extraordinary gains, net	$0	34
Net income	$521,000	6,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	3,932
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$225,000	563
Net operating income	$521,000	6,212
2004-09-30 (YTD Data)		Rank
Total interest income	$4,140,000	4,506
Total interest expense	$1,910,000	2,956
Net interest income	$2,230,000	5,427
Provision for loan and lease losses	$108,000	4,154
Total noninterest income	$239,000	6,312
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$106,000	5,948
Trading account gains and fees	$0	134
Additional Noninterest Income	$133,000	5,374
Total noninterest expense	$1,794,000	5,421
Salaries and employee benefits	$1,135,000	4,863
Premises and equipment expense	$231,000	5,580
Additional noninterest expense	$428,000	6,106
Pre-tax net operating income	$567,000	6,031
Securities gains (losses)	$0	3,710
Applicable income taxes	$192,000	4,498
Income before extraordinary items	$375,000	6,459
Extraordinary gains, net	$0	26
Net income	$375,000	6,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$114,000	2,637
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$135,000	488
Net operating income	$375,000	6,387
2004-06-30 (YTD Data)		Rank
Total interest income	$2,638,000	4,655
Total interest expense	$1,202,000	3,078
Net interest income	$1,436,000	5,539
Provision for loan and lease losses	$63,000	4,225
Total noninterest income	$193,000	5,903
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$69,000	5,999
Trading account gains and fees	$0	130
Additional Noninterest Income	$124,000	4,707
Total noninterest expense	$1,177,000	5,505
Salaries and employee benefits	$746,000	4,947
Premises and equipment expense	$156,000	5,546
Additional noninterest expense	$275,000	6,246
Pre-tax net operating income	$389,000	5,921
Securities gains (losses)	$0	3,413
Applicable income taxes	$131,000	4,470
Income before extraordinary items	$258,000	6,373
Extraordinary gains, net	$0	21
Net income	$258,000	6,373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,159
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$135,000	380
Net operating income	$258,000	6,285
2004-03-31 (YTD Data)		Rank
Total interest income	$1,281,000	4,769
Total interest expense	$580,000	3,202
Net interest income	$701,000	5,627
Provision for loan and lease losses	$20,000	4,792
Total noninterest income	$59,000	6,900
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$31,000	6,143
Trading account gains and fees	$0	121
Additional Noninterest Income	$28,000	6,237
Total noninterest expense	$559,000	5,672
Salaries and employee benefits	$350,000	5,185
Premises and equipment expense	$69,000	5,921
Additional noninterest expense	$140,000	6,209
Pre-tax net operating income	$181,000	6,052
Securities gains (losses)	$0	2,934
Applicable income taxes	$59,000	4,619
Income before extraordinary items	$122,000	6,479
Extraordinary gains, net	$0	16
Net income	$122,000	6,478
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$45,000	320
Net operating income	$122,000	6,363
2003-12-31 (YTD Data)		Rank
Total interest income	$4,601,000	5,169
Total interest expense	$2,193,000	3,719
Net interest income	$2,408,000	6,025
Provision for loan and lease losses	$268,000	3,424
Total noninterest income	$405,000	5,934
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$131,000	6,130
Trading account gains and fees	$0	160
Additional Noninterest Income	$274,000	4,677
Total noninterest expense	$1,879,000	6,199
Salaries and employee benefits	$1,109,000	5,902
Premises and equipment expense	$272,000	5,947
Additional noninterest expense	$498,000	6,565
Pre-tax net operating income	$666,000	6,112
Securities gains (losses)	$12,000	3,514
Applicable income taxes	$200,000	4,931
Income before extraordinary items	$478,000	6,441
Extraordinary gains, net	$0	54
Net income	$478,000	6,446
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,475
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$4,005,000	228
Net operating income	$469,480	6,320
2003-09-30 (YTD Data)		Rank
Total interest income	$3,314,000	5,376
Total interest expense	$1,608,000	3,930
Net interest income	$1,706,000	6,247
Provision for loan and lease losses	$216,000	3,212
Total noninterest income	$349,000	5,670
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$97,000	6,184
Trading account gains and fees	$0	153
Additional Noninterest Income	$252,000	4,363
Total noninterest expense	$1,511,000	5,954
Salaries and employee benefits	$879,000	5,684
Premises and equipment expense	$248,000	5,360
Additional noninterest expense	$384,000	6,457
Pre-tax net operating income	$328,000	7,030
Securities gains (losses)	$10,000	3,326
Applicable income taxes	$67,000	5,966
Income before extraordinary items	$271,000	7,110
Extraordinary gains, net	$0	40
Net income	$271,000	7,111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	4,672
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$4,005,000	149
Net operating income	$263,000	7,008
2003-06-30 (YTD Data)		Rank
Total interest income	$2,168,000	5,467
Total interest expense	$1,068,000	4,039
Net interest income	$1,100,000	6,359
Provision for loan and lease losses	$148,000	3,170
Total noninterest income	$262,000	5,327
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$63,000	6,212
Trading account gains and fees	$0	150
Additional Noninterest Income	$199,000	4,051
Total noninterest expense	$1,033,000	5,886
Salaries and employee benefits	$598,000	5,627
Premises and equipment expense	$166,000	5,313
Additional noninterest expense	$269,000	6,317
Pre-tax net operating income	$181,000	7,374
Securities gains (losses)	$10,000	2,948
Applicable income taxes	$37,000	6,172
Income before extraordinary items	$154,000	7,411
Extraordinary gains, net	$0	30
Net income	$154,000	7,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,985
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$45,000	446
Net operating income	$145,900	7,305
2003-03-31 (YTD Data)		Rank
Total interest income	$1,059,000	5,583
Total interest expense	$523,000	4,196
Net interest income	$536,000	6,438
Provision for loan and lease losses	$60,000	3,248
Total noninterest income	$165,000	4,648
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$31,000	6,193
Trading account gains and fees	$0	134
Additional Noninterest Income	$134,000	3,408
Total noninterest expense	$537,000	5,735
Salaries and employee benefits	$315,000	5,474
Premises and equipment expense	$82,000	5,357
Additional noninterest expense	$140,000	6,173
Pre-tax net operating income	$104,000	7,126
Securities gains (losses)	$0	2,891
Applicable income taxes	$15,000	6,300
Income before extraordinary items	$89,000	7,109
Extraordinary gains, net	$0	21
Net income	$89,000	7,111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,386
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$89,000	6,956
2002-12-31 (YTD Data)		Rank
Total interest income	$3,950,000	5,944
Total interest expense	$1,923,000	4,933
Net interest income	$2,027,000	6,584
Provision for loan and lease losses	$164,000	4,764
Total noninterest income	$645,000	4,538
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$131,000	6,104
Trading account gains and fees	$0	153
Additional Noninterest Income	$514,000	3,234
Total noninterest expense	$1,940,000	5,976
Salaries and employee benefits	$1,122,000	5,740
Premises and equipment expense	$275,000	5,831
Additional noninterest expense	$543,000	6,267
Pre-tax net operating income	$568,000	6,522
Securities gains (losses)	$12,000	3,495
Applicable income taxes	$-90,000	9,053
Income before extraordinary items	$670,000	5,662
Extraordinary gains, net	$0	70
Net income	$670,000	5,661
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,417
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$990,000	390
Net operating income	$658,000	5,571
2001-12-31 (YTD Data)		Rank
Total interest income	$2,967,000	7,290
Total interest expense	$1,645,000	6,699
Net interest income	$1,322,000	7,651
Provision for loan and lease losses	$146,000	4,852
Total noninterest income	$588,000	4,633
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$119,000	6,263
Trading account gains and fees	$0	177
Additional Noninterest Income	$469,000	3,239
Total noninterest expense	$1,734,000	6,275
Salaries and employee benefits	$976,000	6,073
Premises and equipment expense	$266,000	5,897
Additional noninterest expense	$492,000	6,490
Pre-tax net operating income	$30,000	8,611
Securities gains (losses)	$5,000	3,927
Applicable income taxes	$0	7,903
Income before extraordinary items	$35,000	8,672
Extraordinary gains, net	$0	105
Net income	$35,000	8,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,533
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$1,300,000	363
Net operating income	$30,000	8,605
2000-12-31 (YTD Data)		Rank
Total interest income	$2,289,000	8,138
Total interest expense	$1,273,000	7,638
Net interest income	$1,016,000	8,443
Provision for loan and lease losses	$100,000	5,274
Total noninterest income	$311,000	6,202
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$116,000	6,289
Trading account gains and fees	NA	NA
Additional Noninterest Income	$195,000	4,864
Total noninterest expense	$1,350,000	7,112
Salaries and employee benefits	$759,000	6,918
Premises and equipment expense	$247,000	6,097
Additional noninterest expense	$344,000	7,594
Pre-tax net operating income	$-123,000	9,271
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-123,000	9,299
Extraordinary gains, net	$0	38
Net income	$-123,000	9,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	9,215
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-123,000	9,293
1999-12-31 (YTD Data)		Rank
Total interest income	$1,528,000	9,035
Total interest expense	$787,000	8,713
Net interest income	$741,000	9,192
Provision for loan and lease losses	$156,000	4,165
Total noninterest income	$319,000	6,277
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	7,557
Trading account gains and fees	NA	NA
Additional Noninterest Income	$257,000	4,370
Total noninterest expense	$1,120,000	7,794
Salaries and employee benefits	$636,000	7,564
Premises and equipment expense	$235,000	6,258
Additional noninterest expense	$249,000	8,563
Pre-tax net operating income	$-216,000	9,647
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$0	8,765
Income before extraordinary items	$-214,000	9,694
Extraordinary gains, net	$0	35
Net income	$-214,000	9,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,344
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$1,050,000	500
Net operating income	$-216,000	9,671
1998-12-31 (YTD Data)		Rank
Total interest income	$847,000	9,988
Total interest expense	$356,000	9,967
Net interest income	$491,000	9,939
Provision for loan and lease losses	$86,000	5,448
Total noninterest income	$296,000	6,525
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$53,000	7,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$243,000	4,485
Total noninterest expense	$888,000	8,472
Salaries and employee benefits	$486,000	8,446
Premises and equipment expense	$187,000	6,921
Additional noninterest expense	$215,000	8,963
Pre-tax net operating income	$-187,000	9,984
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-187,000	10,037
Extraordinary gains, net	$0	32
Net income	$-187,000	10,033
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-187,000	10,003
1997-12-31 (YTD Data)		Rank
Total interest income	$429,000	10,741
Total interest expense	$114,000	10,765
Net interest income	$315,000	10,664
Provision for loan and lease losses	$30,000	7,369
Total noninterest income	$33,000	10,531
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	9,059
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	10,416
Total noninterest expense	$502,000	10,123
Salaries and employee benefits	$248,000	10,284
Premises and equipment expense	$98,000	9,012
Additional noninterest expense	$156,000	9,926
Pre-tax net operating income	$-184,000	10,552
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-184,000	10,592
Extraordinary gains, net	$0	44
Net income	$-184,000	10,592
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-184,000	10,564
1996-12-31 (YTD Data)		Rank
Total interest income	$102,000	11,412
Total interest expense	$7,000	11,417
Net interest income	$95,000	11,396
Provision for loan and lease losses	$10,000	8,531
Total noninterest income	$0	11,410
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	11,390
Total noninterest expense	$193,000	11,373
Salaries and employee benefits	$103,000	11,354
Premises and equipment expense	$40,000	10,910
Additional noninterest expense	$50,000	11,385
Pre-tax net operating income	$-108,000	10,968
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$-108,000	11,012
Extraordinary gains, net	$0	53
Net income	$-108,000	11,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$2,999,000	234
Net operating income	$-108,000	10,968

* 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.