Home > Kulm State Bank > Income and Expense

Kulm State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$879,000	9,488
Total interest expense	$339,000	9,501
Net interest income	$540,000	9,392
Provision for loan and lease losses	$-10,000	9,704
Total noninterest income	$22,000	9,660
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	8,299
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	9,680
Total noninterest expense	$460,000	9,474
Salaries and employee benefits	$328,000	9,120
Premises and equipment expense	$47,000	9,417
Additional noninterest expense	$85,000	9,719
Pre-tax net operating income	$112,000	8,758
Securities gains (losses)	$0	1,956
Applicable income taxes	$18,000	7,887
Income before extraordinary items	$94,000	8,748
Extraordinary gains, net	$0	38
Net income	$94,000	8,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	9,044
Cash dividends	$100,000	5,913
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$94,000	8,733
1999-12-31 (YTD Data)		Rank
Total interest income	$857,000	9,736
Total interest expense	$344,000	9,738
Net interest income	$513,000	9,665
Provision for loan and lease losses	$0	8,503
Total noninterest income	$21,000	9,954
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	8,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	9,956
Total noninterest expense	$459,000	9,738
Salaries and employee benefits	$306,000	9,435
Premises and equipment expense	$49,000	9,658
Additional noninterest expense	$104,000	9,897
Pre-tax net operating income	$75,000	9,163
Securities gains (losses)	$0	3,155
Applicable income taxes	$12,000	8,432
Income before extraordinary items	$63,000	9,180
Extraordinary gains, net	$0	35
Net income	$63,000	9,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	8,900
Cash dividends	$70,000	6,407
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$63,000	9,149
1998-12-31 (YTD Data)		Rank
Total interest income	$875,000	9,971
Total interest expense	$339,000	10,000
Net interest income	$536,000	9,850
Provision for loan and lease losses	$0	8,652
Total noninterest income	$23,000	10,183
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	8,778
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	10,104
Total noninterest expense	$409,000	10,035
Salaries and employee benefits	$255,000	9,855
Premises and equipment expense	$55,000	9,708
Additional noninterest expense	$99,000	10,132
Pre-tax net operating income	$150,000	9,172
Securities gains (losses)	$0	4,449
Applicable income taxes	$37,000	8,566
Income before extraordinary items	$113,000	9,238
Extraordinary gains, net	$0	32
Net income	$113,000	9,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,038
Cash dividends	$75,000	6,560
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$113,000	9,170
1997-12-31 (YTD Data)		Rank
Total interest income	$916,000	10,383
Total interest expense	$323,000	10,473
Net interest income	$593,000	10,202
Provision for loan and lease losses	$0	8,829
Total noninterest income	$18,000	10,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	9,265
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	10,577
Total noninterest expense	$468,000	10,244
Salaries and employee benefits	$310,000	9,882
Premises and equipment expense	$49,000	10,222
Additional noninterest expense	$109,000	10,450
Pre-tax net operating income	$143,000	9,887
Securities gains (losses)	$-2,000	9,246
Applicable income taxes	$17,000	9,778
Income before extraordinary items	$124,000	9,802
Extraordinary gains, net	$0	44
Net income	$124,000	9,802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,963
Cash dividends	$122,000	6,210
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$125,760	9,750
1996-12-31 (YTD Data)		Rank
Total interest income	$890,000	10,937
Total interest expense	$337,000	11,009
Net interest income	$553,000	10,765
Provision for loan and lease losses	$86,000	5,456
Total noninterest income	$25,000	11,196
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	9,636
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	11,065
Total noninterest expense	$419,000	10,906
Salaries and employee benefits	$270,000	10,578
Premises and equipment expense	$55,000	10,490
Additional noninterest expense	$94,000	11,131
Pre-tax net operating income	$73,000	10,498
Securities gains (losses)	$0	4,148
Applicable income taxes	$4,000	10,471
Income before extraordinary items	$69,000	10,464
Extraordinary gains, net	$0	53
Net income	$69,000	10,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	4,891
Cash dividends	$75,000	7,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$69,000	10,417
1995-12-31 (YTD Data)		Rank
Total interest income	$915,000	11,408
Total interest expense	$339,000	11,498
Net interest income	$576,000	11,199
Provision for loan and lease losses	$25,000	7,325
Total noninterest income	$31,000	11,641
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,976
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	11,496
Total noninterest expense	$419,000	11,371
Salaries and employee benefits	$256,000	11,111
Premises and equipment expense	$60,000	10,776
Additional noninterest expense	$103,000	11,588
Pre-tax net operating income	$163,000	10,697
Securities gains (losses)	$0	3,831
Applicable income taxes	$32,000	10,549
Income before extraordinary items	$131,000	10,651
Extraordinary gains, net	$0	65
Net income	$131,000	10,652
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,036
Cash dividends	$75,000	7,260
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$131,000	10,623
1994-12-31 (YTD Data)		Rank
Total interest income	$864,000	11,963
Total interest expense	$283,000	12,089
Net interest income	$581,000	11,771
Provision for loan and lease losses	$42,000	6,508
Total noninterest income	$25,000	12,331
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	10,584
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,250
Total noninterest expense	$376,000	12,131
Salaries and employee benefits	$235,000	11,792
Premises and equipment expense	$39,000	12,012
Additional noninterest expense	$102,000	12,270
Pre-tax net operating income	$188,000	10,985
Securities gains (losses)	$0	3,600
Applicable income taxes	$156,000	8,187
Income before extraordinary items	$32,000	11,909
Extraordinary gains, net	$92,000	122
Net income	$124,000	11,121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,270
Cash dividends	$75,000	7,404
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$32,000	11,952
1993-12-31 (YTD Data)		Rank
Total interest income	$885,000	12,523
Total interest expense	$302,000	12,673
Net interest income	$583,000	12,285
Provision for loan and lease losses	$5,000	10,098
Total noninterest income	$29,000	12,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	10,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	12,880
Total noninterest expense	$408,000	12,612
Salaries and employee benefits	$251,000	12,183
Premises and equipment expense	$59,000	11,888
Additional noninterest expense	$98,000	12,952
Pre-tax net operating income	$199,000	11,048
Securities gains (losses)	$0	7,477
Applicable income taxes	$48,000	10,991
Income before extraordinary items	$151,000	11,190
Extraordinary gains, net	$-1,000	12,163
Net income	$150,000	11,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$75,000	7,397
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$151,000	10,979
1992-12-31 (YTD Data)		Rank
Total interest income	$965,000	13,083
Total interest expense	$393,000	13,204
Net interest income	$572,000	12,835
Provision for loan and lease losses	$37,000	9,631
Total noninterest income	$24,000	13,630
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	11,442
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	13,545
Total noninterest expense	$399,000	13,173
Salaries and employee benefits	$254,000	12,560
Premises and equipment expense	$34,000	13,280
Additional noninterest expense	$111,000	13,421
Pre-tax net operating income	$160,000	11,431
Securities gains (losses)	$0	8,369
Applicable income taxes	$15,000	12,232
Income before extraordinary items	$145,000	11,347
Extraordinary gains, net	$0	1,422
Net income	$145,000	11,427
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	9,186
Cash dividends	$75,000	7,103
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$145,000	11,004

* 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.