Home > Iowa State Bank > Income and Expense

Iowa State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,813,000	9,635
Total interest expense	$832,000	9,547
Net interest income	$981,000	9,600
Provision for loan and lease losses	$0	9,041
Total noninterest income	$95,000	9,977
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	8,021
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	10,642
Total noninterest expense	$617,000	10,110
Salaries and employee benefits	$372,000	9,797
Premises and equipment expense	$77,000	9,895
Additional noninterest expense	$168,000	10,326
Pre-tax net operating income	$459,000	8,170
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$150,000	7,867
Income before extraordinary items	$310,000	8,337
Extraordinary gains, net	$0	53
Net income	$310,000	8,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-47,000	11,020
Cash dividends	$1,050,000	2,054
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$309,330	8,286
1995-12-31 (YTD Data)		Rank
Total interest income	$1,884,000	9,909
Total interest expense	$833,000	9,842
Net interest income	$1,051,000	9,779
Provision for loan and lease losses	$81,000	5,069
Total noninterest income	$98,000	10,324
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	8,484
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,650
Total noninterest expense	$597,000	10,578
Salaries and employee benefits	$395,000	9,985
Premises and equipment expense	$68,000	10,529
Additional noninterest expense	$134,000	11,263
Pre-tax net operating income	$471,000	8,612
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$162,000	8,063
Income before extraordinary items	$310,000	8,837
Extraordinary gains, net	$0	65
Net income	$310,000	8,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$120,000	3,382
Cash dividends	$125,000	6,392
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$309,340	8,809
1994-12-31 (YTD Data)		Rank
Total interest income	$1,718,000	10,325
Total interest expense	$670,000	10,257
Net interest income	$1,048,000	10,246
Provision for loan and lease losses	$152,000	3,572
Total noninterest income	$137,000	9,976
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	8,747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	9,142
Total noninterest expense	$628,000	10,991
Salaries and employee benefits	$391,000	10,362
Premises and equipment expense	$66,000	11,093
Additional noninterest expense	$171,000	11,508
Pre-tax net operating income	$405,000	9,327
Securities gains (losses)	$-16,000	10,174
Applicable income taxes	$132,000	8,674
Income before extraordinary items	$257,000	9,615
Extraordinary gains, net	$0	249
Net income	$257,000	9,627
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,289
Cash dividends	$125,000	6,452
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$267,560	9,568
1993-12-31 (YTD Data)		Rank
Total interest income	$1,739,000	10,727
Total interest expense	$697,000	10,604
Net interest income	$1,042,000	10,621
Provision for loan and lease losses	$105,000	5,626
Total noninterest income	$130,000	10,627
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	9,141
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,868
Total noninterest expense	$641,000	11,429
Salaries and employee benefits	$382,000	10,818
Premises and equipment expense	$84,000	11,010
Additional noninterest expense	$175,000	12,089
Pre-tax net operating income	$426,000	9,207
Securities gains (losses)	$43,000	3,630
Applicable income taxes	$163,000	8,358
Income before extraordinary items	$306,000	9,407
Extraordinary gains, net	$0	3,149
Net income	$306,000	9,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	4,406
Cash dividends	$125,000	6,440
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$278,050	9,452
1992-12-31 (YTD Data)		Rank
Total interest income	$1,979,000	10,934
Total interest expense	$903,000	10,858
Net interest income	$1,076,000	10,780
Provision for loan and lease losses	$97,000	7,370
Total noninterest income	$99,000	11,759
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	9,162
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$651,000	11,769
Salaries and employee benefits	$401,000	10,848
Premises and equipment expense	$73,000	11,760
Additional noninterest expense	$177,000	12,569
Pre-tax net operating income	$427,000	8,996
Securities gains (losses)	$69,000	3,609
Applicable income taxes	$175,000	8,076
Income before extraordinary items	$321,000	9,031
Extraordinary gains, net	$0	1,422
Net income	$321,000	9,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	6,088
Cash dividends	$125,000	6,110
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$276,150	9,239

* 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.