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Iowa State Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$994,0009,621
Total interest expense$459,0009,530
Net interest income$535,0009,629
Provision for loan and lease losses$11,0008,085
Total noninterest income$121,0008,508
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$68,0007,398
Trading account gains and feesNANA
Additional Noninterest Income$53,0007,953
Total noninterest expense$503,0009,618
Salaries and employee benefits$239,0009,757
Premises and equipment expense$65,0009,335
Additional noninterest expense$199,0009,033
Pre-tax net operating income$142,0008,846
Securities gains (losses)$1,0002,805
Applicable income taxes$30,0008,004
Income before extraordinary items$113,0008,875
Extraordinary gains, net$035
Net income$113,0008,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,900
Cash dividends$30,0006,807
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$112,2108,846
1998-12-31 (YTD Data)Rank
Total interest income$906,0009,938
Total interest expense$409,0009,879
Net interest income$497,0009,928
Provision for loan and lease losses$7,0008,378
Total noninterest income$101,0009,013
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$62,0007,728
Trading account gains and feesNANA
Additional Noninterest Income$39,0008,570
Total noninterest expense$447,0009,933
Salaries and employee benefits$224,0009,996
Premises and equipment expense$69,0009,377
Additional noninterest expense$154,0009,619
Pre-tax net operating income$144,0009,203
Securities gains (losses)$12,0002,822
Applicable income taxes$43,0008,450
Income before extraordinary items$113,0009,238
Extraordinary gains, net$032
Net income$113,0009,238
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,450
Cash dividends$38,0007,049
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$104,3609,239
1997-12-31 (YTD Data)Rank
Total interest income$856,00010,429
Total interest expense$371,00010,388
Net interest income$485,00010,408
Provision for loan and lease losses$4,0008,695
Total noninterest income$130,0008,891
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$71,0007,856
Trading account gains and feesNANA
Additional Noninterest Income$59,0008,059
Total noninterest expense$435,00010,374
Salaries and employee benefits$208,00010,499
Premises and equipment expense$63,0009,881
Additional noninterest expense$164,0009,840
Pre-tax net operating income$176,0009,704
Securities gains (losses)$03,944
Applicable income taxes$58,0009,128
Income before extraordinary items$118,0009,848
Extraordinary gains, net$044
Net income$118,0009,848
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$50,0007,161
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$118,0009,805
1996-12-31 (YTD Data)Rank
Total interest income$830,00010,999
Total interest expense$347,00010,991
Net interest income$483,00010,927
Provision for loan and lease losses$9,0008,632
Total noninterest income$83,00010,221
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$51,0008,822
Trading account gains and feesNANA
Additional Noninterest Income$32,0009,747
Total noninterest expense$355,00011,097
Salaries and employee benefits$196,00011,031
Premises and equipment expense$44,00010,805
Additional noninterest expense$115,00010,951
Pre-tax net operating income$202,0009,775
Securities gains (losses)$04,148
Applicable income taxes$69,0009,344
Income before extraordinary items$133,0009,947
Extraordinary gains, net$053
Net income$133,0009,945
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,500
Cash dividends$42,0007,680
Sale, conversion, retirement of capital stock, net$50,000723
Net operating income$133,0009,894
1995-12-31 (YTD Data)Rank
Total interest income$727,00011,603
Total interest expense$326,00011,521
Net interest income$401,00011,607
Provision for loan and lease losses$13,0008,094
Total noninterest income$91,00010,478
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$48,0009,304
Trading account gains and feesNANA
Additional Noninterest Income$43,0009,575
Total noninterest expense$344,00011,607
Salaries and employee benefits$182,00011,586
Premises and equipment expense$44,00011,264
Additional noninterest expense$118,00011,445
Pre-tax net operating income$135,00010,875
Securities gains (losses)$03,831
Applicable income taxes$39,00010,400
Income before extraordinary items$96,00010,967
Extraordinary gains, net$065
Net income$96,00010,968
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,320
Cash dividends$37,0008,051
Sale, conversion, retirement of capital stock, net$0809
Net operating income$96,00010,941
1994-12-31 (YTD Data)Rank
Total interest income$597,00012,318
Total interest expense$217,00012,300
Net interest income$380,00012,266
Provision for loan and lease losses$13,0008,228
Total noninterest income$91,00010,969
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$42,0009,972
Trading account gains and feesNANA
Additional Noninterest Income$49,0009,662
Total noninterest expense$335,00012,252
Salaries and employee benefits$164,00012,287
Premises and equipment expense$43,00011,893
Additional noninterest expense$128,00012,049
Pre-tax net operating income$123,00011,468
Securities gains (losses)$-2,0009,023
Applicable income taxes$37,00010,765
Income before extraordinary items$84,00011,526
Extraordinary gains, net$0249
Net income$84,00011,533
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,270
Cash dividends$28,0008,423
Sale, conversion, retirement of capital stock, net$50,000906
Net operating income$85,38011,571
1993-12-31 (YTD Data)Rank
Total interest income$520,00013,038
Total interest expense$201,00012,988
Net interest income$319,00012,972
Provision for loan and lease losses$010,371
Total noninterest income$86,00011,666
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$49,00010,111
Trading account gains and feesNANA
Additional Noninterest Income$37,00010,863
Total noninterest expense$289,00013,013
Salaries and employee benefits$141,00013,033
Premises and equipment expense$35,00012,695
Additional noninterest expense$113,00012,829
Pre-tax net operating income$116,00011,747
Securities gains (losses)$07,477
Applicable income taxes$30,00011,384
Income before extraordinary items$86,00011,942
Extraordinary gains, net$03,149
Net income$86,00011,980
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$50,0007,918
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$86,00011,759
1992-12-31 (YTD Data)Rank
Total interest income$520,00013,691
Total interest expense$231,00013,646
Net interest income$289,00013,642
Provision for loan and lease losses$011,756
Total noninterest income$60,00012,846
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$46,00010,479
Trading account gains and feesNANA
Additional Noninterest Income$14,00013,064
Total noninterest expense$248,00013,700
Salaries and employee benefits$120,00013,717
Premises and equipment expense$28,00013,471
Additional noninterest expense$100,00013,523
Pre-tax net operating income$101,00012,017
Securities gains (losses)$10,0006,439
Applicable income taxes$29,00011,842
Income before extraordinary items$82,00012,188
Extraordinary gains, net$01,422
Net income$82,00012,230
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$36,0008,075
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$74,60012,008

* 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.