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Jefferson State Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$11,412,0002,898
Total interest expense$5,104,0002,942
Net interest income$6,308,0002,800
Provision for loan and lease losses$09,041
Total noninterest income$236,0007,774
Gross Fiduciary activities income$79,0001,158
Service charges on deposit accounts$117,0007,129
Trading account gains and fees$0262
Additional Noninterest Income$40,0009,363
Total noninterest expense$3,444,0003,832
Salaries and employee benefits$2,188,0003,054
Premises and equipment expense$467,0003,997
Additional noninterest expense$789,0005,256
Pre-tax net operating income$3,100,0002,301
Securities gains (losses)$649,000354
Applicable income taxes$1,178,0002,026
Income before extraordinary items$2,571,0001,924
Extraordinary gains, net$053
Net income$2,571,0001,925
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,676
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,123,1902,262
1995-12-31 (YTD Data)Rank
Total interest income$10,825,0003,060
Total interest expense$4,411,0003,369
Net interest income$6,414,0002,785
Provision for loan and lease losses$08,958
Total noninterest income$242,0007,800
Gross Fiduciary activities income$63,0001,253
Service charges on deposit accounts$135,0006,984
Trading account gains and fees$0522
Additional Noninterest Income$44,0009,521
Total noninterest expense$3,621,0003,623
Salaries and employee benefits$2,192,0003,041
Premises and equipment expense$440,0004,188
Additional noninterest expense$989,0004,388
Pre-tax net operating income$3,035,0002,408
Securities gains (losses)$-4,0009,551
Applicable income taxes$951,0002,496
Income before extraordinary items$2,080,0002,417
Extraordinary gains, net$065
Net income$2,080,0002,416
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-35,00011,301
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,082,7602,388
1994-12-31 (YTD Data)Rank
Total interest income$9,277,0003,252
Total interest expense$3,626,0003,354
Net interest income$5,651,0003,178
Provision for loan and lease losses$09,146
Total noninterest income$407,0006,081
Gross Fiduciary activities income$56,0001,280
Service charges on deposit accounts$154,0006,797
Trading account gains and fees$0475
Additional Noninterest Income$197,0005,329
Total noninterest expense$4,175,0003,299
Salaries and employee benefits$2,327,0002,844
Premises and equipment expense$433,0004,300
Additional noninterest expense$1,415,0003,495
Pre-tax net operating income$1,883,0003,610
Securities gains (losses)$-5,0009,408
Applicable income taxes$584,0003,592
Income before extraordinary items$1,294,0003,606
Extraordinary gains, net$0249
Net income$1,294,0003,613
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,297,4503,637
1993-12-31 (YTD Data)Rank
Total interest income$9,231,0003,353
Total interest expense$3,549,0003,534
Net interest income$5,682,0003,187
Provision for loan and lease losses$010,371
Total noninterest income$1,247,0002,822
Gross Fiduciary activities income$55,0001,324
Service charges on deposit accounts$194,0006,072
Trading account gains and fees$0532
Additional Noninterest Income$998,0002,036
Total noninterest expense$4,869,0002,921
Salaries and employee benefits$2,562,0002,581
Premises and equipment expense$541,0003,625
Additional noninterest expense$1,766,0003,031
Pre-tax net operating income$2,060,0003,222
Securities gains (losses)$411,0001,027
Applicable income taxes$739,0002,953
Income before extraordinary items$1,732,0002,847
Extraordinary gains, net$-20,00012,458
Net income$1,712,0002,971
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-91,00012,910
Cash dividends$200,0005,372
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,444,3003,178
1992-12-31 (YTD Data)Rank
Total interest income$10,062,0003,464
Total interest expense$4,620,0003,553
Net interest income$5,442,0003,360
Provision for loan and lease losses$011,756
Total noninterest income$368,0006,865
Gross Fiduciary activities income$49,0001,365
Service charges on deposit accounts$222,0005,583
Trading account gains and fees$0504
Additional Noninterest Income$97,0008,166
Total noninterest expense$4,848,0002,953
Salaries and employee benefits$2,829,0002,303
Premises and equipment expense$564,0003,561
Additional noninterest expense$1,455,0003,692
Pre-tax net operating income$962,0005,797
Securities gains (losses)$200,0002,010
Applicable income taxes$347,0005,391
Income before extraordinary items$815,0005,284
Extraordinary gains, net$01,422
Net income$815,0005,339
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-194,00013,840
Cash dividends$2,000,000832
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$675,0005,728

* 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.