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Kermit State Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$4,083,0006,297
Total interest expense$1,389,0007,213
Net interest income$2,694,0005,542
Provision for loan and lease losses$120,0004,720
Total noninterest income$125,0008,461
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$96,0006,793
Trading account gains and feesNANA
Additional Noninterest Income$29,0008,882
Total noninterest expense$1,419,0006,994
Salaries and employee benefits$827,0006,626
Premises and equipment expense$131,0008,016
Additional noninterest expense$461,0006,813
Pre-tax net operating income$1,280,0004,573
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$1,280,0003,676
Extraordinary gains, net$035
Net income$1,280,0003,677
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$96,0003,651
Cash dividends$958,0002,364
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,280,0003,638
1998-12-31 (YTD Data)Rank
Total interest income$4,487,0006,072
Total interest expense$1,586,0007,005
Net interest income$2,901,0005,257
Provision for loan and lease losses$45,0006,783
Total noninterest income$155,0008,158
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$110,0006,670
Trading account gains and feesNANA
Additional Noninterest Income$45,0008,339
Total noninterest expense$1,533,0006,595
Salaries and employee benefits$859,0006,417
Premises and equipment expense$129,0008,085
Additional noninterest expense$545,0006,124
Pre-tax net operating income$1,478,0004,225
Securities gains (losses)$65,0001,554
Applicable income taxes$09,340
Income before extraordinary items$1,543,0003,188
Extraordinary gains, net$032
Net income$1,543,0003,188
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0003,330
Cash dividends$2,918,0001,010
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,478,0003,219
1997-12-31 (YTD Data)Rank
Total interest income$4,380,0006,323
Total interest expense$1,392,0007,601
Net interest income$2,988,0005,324
Provision for loan and lease losses$180,0003,648
Total noninterest income$171,0008,278
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$119,0006,786
Trading account gains and feesNANA
Additional Noninterest Income$52,0008,342
Total noninterest expense$1,427,0006,973
Salaries and employee benefits$795,0006,811
Premises and equipment expense$111,0008,713
Additional noninterest expense$521,0006,340
Pre-tax net operating income$1,552,0004,367
Securities gains (losses)$03,944
Applicable income taxes$527,0004,061
Income before extraordinary items$1,025,0004,627
Extraordinary gains, net$044
Net income$1,025,0004,626
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,455
Cash dividends$376,0004,093
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,025,0004,559
1996-12-31 (YTD Data)Rank
Total interest income$4,349,0006,532
Total interest expense$1,445,0007,706
Net interest income$2,904,0005,576
Provision for loan and lease losses$180,0003,640
Total noninterest income$163,0008,804
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$113,0007,223
Trading account gains and feesNANA
Additional Noninterest Income$50,0008,888
Total noninterest expense$1,427,0007,317
Salaries and employee benefits$822,0006,873
Premises and equipment expense$114,0008,934
Additional noninterest expense$491,0007,132
Pre-tax net operating income$1,460,0004,438
Securities gains (losses)$04,148
Applicable income taxes$466,0004,387
Income before extraordinary items$994,0004,540
Extraordinary gains, net$053
Net income$994,0004,541
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$90,0004,131
Cash dividends$330,0004,303
Sale, conversion, retirement of capital stock, net$0953
Net operating income$994,0004,484
1995-12-31 (YTD Data)Rank
Total interest income$4,614,0006,335
Total interest expense$1,447,0007,831
Net interest income$3,167,0005,263
Provision for loan and lease losses$180,0003,223
Total noninterest income$155,0009,222
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$113,0007,474
Trading account gains and feesNANA
Additional Noninterest Income$42,0009,621
Total noninterest expense$1,436,0007,470
Salaries and employee benefits$809,0007,057
Premises and equipment expense$118,0009,102
Additional noninterest expense$509,0007,182
Pre-tax net operating income$1,706,0004,019
Securities gains (losses)$03,831
Applicable income taxes$568,0003,804
Income before extraordinary items$1,138,0004,125
Extraordinary gains, net$065
Net income$1,138,0004,122
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,109
Cash dividends$2,800,000971
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,138,0004,108
1994-12-31 (YTD Data)Rank
Total interest income$3,968,0006,741
Total interest expense$1,149,0008,108
Net interest income$2,819,0005,875
Provision for loan and lease losses$180,0003,202
Total noninterest income$172,0009,264
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$125,0007,476
Trading account gains and feesNANA
Additional Noninterest Income$47,0009,769
Total noninterest expense$1,277,0008,330
Salaries and employee benefits$718,0007,744
Premises and equipment expense$113,0009,600
Additional noninterest expense$446,0008,354
Pre-tax net operating income$1,534,0004,336
Securities gains (losses)$03,600
Applicable income taxes$471,0004,235
Income before extraordinary items$1,063,0004,299
Extraordinary gains, net$0249
Net income$1,063,0004,300
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0003,040
Cash dividends$375,0003,898
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,063,0004,353
1993-12-31 (YTD Data)Rank
Total interest income$3,507,0007,526
Total interest expense$1,052,0008,872
Net interest income$2,455,0006,634
Provision for loan and lease losses$180,0004,132
Total noninterest income$194,0009,338
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$136,0007,439
Trading account gains and feesNANA
Additional Noninterest Income$58,0009,638
Total noninterest expense$1,216,0008,833
Salaries and employee benefits$645,0008,429
Premises and equipment expense$109,00010,160
Additional noninterest expense$462,0008,595
Pre-tax net operating income$1,253,0005,020
Securities gains (losses)$2,0006,773
Applicable income taxes$308,0005,974
Income before extraordinary items$947,0004,894
Extraordinary gains, net$03,149
Net income$947,0005,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$237,0002,828
Cash dividends$385,0003,785
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$945,5004,677
1992-12-31 (YTD Data)Rank
Total interest income$3,810,0007,759
Total interest expense$1,395,0008,875
Net interest income$2,415,0006,757
Provision for loan and lease losses$238,0004,768
Total noninterest income$205,0009,315
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$159,0006,884
Trading account gains and feesNANA
Additional Noninterest Income$46,00010,672
Total noninterest expense$1,255,0008,822
Salaries and employee benefits$629,0008,560
Premises and equipment expense$111,00010,343
Additional noninterest expense$515,0008,307
Pre-tax net operating income$1,127,0005,165
Securities gains (losses)$61,0003,800
Applicable income taxes$275,0006,284
Income before extraordinary items$913,0004,878
Extraordinary gains, net$01,422
Net income$913,0004,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$331,0003,151
Cash dividends$425,0003,155
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$866,0304,750

* 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.