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Jefferson State Bank, Income and Expense

2008-09-30 (YTD Data)Rank
Total interest income$3,479,0005,737
Total interest expense$1,879,0004,856
Net interest income$1,600,0006,326
Provision for loan and lease losses$626,0002,412
Total noninterest income$192,0006,195
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$22,0006,971
Trading account gains and fees$0148
Additional Noninterest Income$170,0004,747
Total noninterest expense$2,296,0005,038
Salaries and employee benefits$1,436,0004,618
Premises and equipment expense$401,0004,308
Additional noninterest expense$459,0006,131
Pre-tax net operating income$-1,130,0007,595
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-1,130,0007,567
Extraordinary gains, net$031
Net income$-1,130,0007,566
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$337,0002,420
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$502,000376
Net operating income$-1,130,0007,679
2008-06-30 (YTD Data)Rank
Total interest income$2,424,0005,695
Total interest expense$1,278,0004,932
Net interest income$1,146,0006,165
Provision for loan and lease losses$73,0004,716
Total noninterest income$145,0006,038
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$14,0007,021
Trading account gains and fees$0149
Additional Noninterest Income$131,0004,538
Total noninterest expense$1,486,0005,159
Salaries and employee benefits$957,0004,666
Premises and equipment expense$230,0004,740
Additional noninterest expense$299,0006,193
Pre-tax net operating income$-268,0007,399
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-268,0007,488
Extraordinary gains, net$021
Net income$-268,0007,488
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$336,000315
Net operating income$-268,0007,470
2008-03-31 (YTD Data)Rank
Total interest income$1,286,0005,609
Total interest expense$724,0004,800
Net interest income$562,0006,250
Provision for loan and lease losses$59,0003,645
Total noninterest income$44,0006,842
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$7,0007,034
Trading account gains and fees$0158
Additional Noninterest Income$37,0005,574
Total noninterest expense$752,0005,128
Salaries and employee benefits$496,0004,578
Premises and equipment expense$98,0005,215
Additional noninterest expense$158,0006,037
Pre-tax net operating income$-205,0007,769
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-205,0007,846
Extraordinary gains, net$015
Net income$-205,0007,846
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$168,000238
Net operating income$-205,0007,815
2007-12-31 (YTD Data)Rank
Total interest income$5,171,0005,629
Total interest expense$2,600,0005,153
Net interest income$2,571,0005,906
Provision for loan and lease losses$294,0003,244
Total noninterest income$276,0006,193
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$20,0007,148
Trading account gains and fees$0178
Additional Noninterest Income$256,0004,536
Total noninterest expense$2,786,0005,240
Salaries and employee benefits$1,958,0004,451
Premises and equipment expense$305,0005,739
Additional noninterest expense$523,0006,461
Pre-tax net operating income$-233,0007,672
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-233,0007,731
Extraordinary gains, net$039
Net income$-233,0007,729
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$672,000487
Net operating income$-233,0007,713
2007-09-30 (YTD Data)Rank
Total interest income$3,683,0005,795
Total interest expense$1,763,0005,439
Net interest income$1,920,0005,936
Provision for loan and lease losses$256,0002,569
Total noninterest income$189,0006,419
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$13,0007,222
Trading account gains and fees$0184
Additional Noninterest Income$176,0004,749
Total noninterest expense$2,081,0005,231
Salaries and employee benefits$1,455,0004,477
Premises and equipment expense$232,0005,703
Additional noninterest expense$394,0006,445
Pre-tax net operating income$-228,0007,913
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-228,0007,955
Extraordinary gains, net$033
Net income$-228,0007,951
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$504,000406
Net operating income$-228,0007,939
2007-06-30 (YTD Data)Rank
Total interest income$2,208,0006,076
Total interest expense$977,0005,924
Net interest income$1,231,0006,090
Provision for loan and lease losses$208,0002,111
Total noninterest income$129,0006,407
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$7,0007,313
Trading account gains and fees$0168
Additional Noninterest Income$122,0004,722
Total noninterest expense$1,372,0005,306
Salaries and employee benefits$960,0004,541
Premises and equipment expense$170,0005,511
Additional noninterest expense$242,0006,669
Pre-tax net operating income$-220,0008,101
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$-220,0008,137
Extraordinary gains, net$029
Net income$-220,0008,136
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$335,000362
Net operating income$-220,0008,129
2007-03-31 (YTD Data)Rank
Total interest income$988,0006,351
Total interest expense$416,0006,298
Net interest income$572,0006,285
Provision for loan and lease losses$92,0002,137
Total noninterest income$55,0006,682
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$3,0007,373
Trading account gains and fees$0195
Additional Noninterest Income$52,0005,033
Total noninterest expense$619,0005,657
Salaries and employee benefits$399,0005,177
Premises and equipment expense$89,0005,403
Additional noninterest expense$131,0006,472
Pre-tax net operating income$-84,0008,113
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-84,0008,145
Extraordinary gains, net$022
Net income$-84,0008,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$101,000345
Net operating income$-84,0008,132
2006-12-31 (YTD Data)Rank
Total interest income$2,117,0007,445
Total interest expense$793,0007,333
Net interest income$1,324,0007,409
Provision for loan and lease losses$317,0002,665
Total noninterest income$116,0007,593
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$5,0007,507
Trading account gains and fees$0130
Additional Noninterest Income$111,0006,156
Total noninterest expense$2,753,0005,176
Salaries and employee benefits$1,942,0004,377
Premises and equipment expense$284,0005,869
Additional noninterest expense$527,0006,419
Pre-tax net operating income$-1,630,0008,544
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-1,630,0008,564
Extraordinary gains, net$051
Net income$-1,630,0008,564
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$13,635,000158
Net operating income$-1,630,0008,555
2006-09-30 (YTD Data)Rank
Total interest income$1,322,0007,784
Total interest expense$451,0007,734
Net interest income$871,0007,699
Provision for loan and lease losses$274,0002,312
Total noninterest income$73,0007,848
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$3,0007,593
Trading account gains and fees$0126
Additional Noninterest Income$70,0006,429
Total noninterest expense$1,977,0005,304
Salaries and employee benefits$1,350,0004,591
Premises and equipment expense$199,0006,088
Additional noninterest expense$428,0006,209
Pre-tax net operating income$-1,307,0008,637
Securities gains (losses)$01,388
Applicable income taxes$06,687
Income before extraordinary items$-1,307,0008,651
Extraordinary gains, net$045
Net income$-1,307,0008,651
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$13,296,000123
Net operating income$-1,307,0008,644
2006-06-30 (YTD Data)Rank
Total interest income$626,0008,201
Total interest expense$166,0008,284
Net interest income$460,0008,075
Provision for loan and lease losses$168,0002,424
Total noninterest income$46,0007,943
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,0007,650
Trading account gains and fees$0126
Additional Noninterest Income$45,0006,526
Total noninterest expense$1,306,0005,335
Salaries and employee benefits$851,0004,803
Premises and equipment expense$141,0005,926
Additional noninterest expense$314,0005,931
Pre-tax net operating income$-968,0008,679
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$-968,0008,698
Extraordinary gains, net$039
Net income$-968,0008,698
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$13,036,00075
Net operating income$-968,0008,687
2006-03-31 (YTD Data)Rank
Total interest income$184,0008,571
Total interest expense$30,0008,632
Net interest income$154,0008,468
Provision for loan and lease losses$95,0002,071
Total noninterest income$7,0008,517
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$07,698
Trading account gains and fees$0115
Additional Noninterest Income$7,0007,855
Total noninterest expense$875,0004,411
Salaries and employee benefits$595,0003,791
Premises and equipment expense$69,0005,991
Additional noninterest expense$211,0005,010
Pre-tax net operating income$-809,0008,743
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$-809,0008,749
Extraordinary gains, net$021
Net income$-809,0008,748
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$12,425,00034
Net operating income$-809,0008,740

* 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.