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Laclede County Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$5,331,0005,498
Total interest expense$2,873,0005,085
Net interest income$2,458,0005,875
Provision for loan and lease losses$150,0004,393
Total noninterest income$393,0005,573
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$294,0004,113
Trading account gains and feesNANA
Additional Noninterest Income$99,0006,458
Total noninterest expense$1,557,0006,592
Salaries and employee benefits$835,0006,570
Premises and equipment expense$229,0006,328
Additional noninterest expense$493,0006,475
Pre-tax net operating income$1,144,0004,864
Securities gains (losses)$01,956
Applicable income taxes$380,0004,086
Income before extraordinary items$764,0005,184
Extraordinary gains, net$038
Net income$764,0005,183
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$84,0003,874
Cash dividends$302,0004,457
Sale, conversion, retirement of capital stock, net$0969
Net operating income$764,0005,174
1999-12-31 (YTD Data)Rank
Total interest income$4,274,0006,124
Total interest expense$2,254,0005,557
Net interest income$2,020,0006,606
Provision for loan and lease losses$96,0005,335
Total noninterest income$331,0006,165
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$204,0005,069
Trading account gains and feesNANA
Additional Noninterest Income$127,0006,013
Total noninterest expense$1,375,0007,096
Salaries and employee benefits$785,0006,818
Premises and equipment expense$196,0006,880
Additional noninterest expense$394,0007,324
Pre-tax net operating income$880,0005,664
Securities gains (losses)$03,155
Applicable income taxes$190,0005,810
Income before extraordinary items$690,0005,500
Extraordinary gains, net$035
Net income$690,0005,497
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$690,0005,469
1998-12-31 (YTD Data)Rank
Total interest income$3,950,0006,522
Total interest expense$2,314,0005,641
Net interest income$1,636,0007,399
Provision for loan and lease losses$128,0004,501
Total noninterest income$343,0006,074
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$172,0005,561
Trading account gains and feesNANA
Additional Noninterest Income$171,0005,353
Total noninterest expense$1,579,0006,475
Salaries and employee benefits$879,0006,309
Premises and equipment expense$195,0006,798
Additional noninterest expense$505,0006,396
Pre-tax net operating income$272,0008,554
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$272,0008,096
Extraordinary gains, net$032
Net income$272,0008,095
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,077
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$272,0008,017
1997-12-31 (YTD Data)Rank
Total interest income$1,426,0009,776
Total interest expense$688,0009,575
Net interest income$738,0009,834
Provision for loan and lease losses$137,0004,339
Total noninterest income$115,0009,144
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$62,0008,090
Trading account gains and feesNANA
Additional Noninterest Income$53,0008,302
Total noninterest expense$990,0008,380
Salaries and employee benefits$541,0008,323
Premises and equipment expense$118,0008,544
Additional noninterest expense$331,0008,002
Pre-tax net operating income$-274,00010,616
Securities gains (losses)$03,944
Applicable income taxes$-54,00010,633
Income before extraordinary items$-220,00010,620
Extraordinary gains, net$044
Net income$-220,00010,620
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$41,0005,460
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-220,00010,594
1996-12-31 (YTD Data)Rank
Total interest income$734,00011,093
Total interest expense$414,00010,837
Net interest income$320,00011,208
Provision for loan and lease losses$43,0006,890
Total noninterest income$78,00010,319
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$57,0008,643
Trading account gains and feesNANA
Additional Noninterest Income$21,00010,346
Total noninterest expense$473,00010,688
Salaries and employee benefits$287,00010,457
Premises and equipment expense$55,00010,490
Additional noninterest expense$131,00010,785
Pre-tax net operating income$-118,00010,982
Securities gains (losses)$04,148
Applicable income taxes$010,572
Income before extraordinary items$-118,00011,024
Extraordinary gains, net$053
Net income$-118,00011,022
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,831
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-118,00010,980
1995-12-31 (YTD Data)Rank
Total interest income$660,00011,663
Total interest expense$334,00011,504
Net interest income$326,00011,726
Provision for loan and lease losses$59,0005,927
Total noninterest income$64,00011,083
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$51,0009,212
Trading account gains and feesNANA
Additional Noninterest Income$13,00011,328
Total noninterest expense$506,00010,996
Salaries and employee benefits$269,00011,018
Premises and equipment expense$42,00011,323
Additional noninterest expense$195,00010,472
Pre-tax net operating income$-175,00011,654
Securities gains (losses)$19,0001,949
Applicable income taxes$011,151
Income before extraordinary items$-156,00011,652
Extraordinary gains, net$065
Net income$-156,00011,650
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,578
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$-175,00011,648
1994-12-31 (YTD Data)Rank
Total interest income$308,00012,520
Total interest expense$90,00012,520
Net interest income$218,00012,491
Provision for loan and lease losses$29,0007,250
Total noninterest income$86,00011,089
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$47,0009,795
Trading account gains and feesNANA
Additional Noninterest Income$39,00010,213
Total noninterest expense$494,00011,642
Salaries and employee benefits$304,00011,165
Premises and equipment expense$35,00012,105
Additional noninterest expense$155,00011,730
Pre-tax net operating income$-219,00012,274
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$-219,00012,235
Extraordinary gains, net$0249
Net income$-219,00012,235
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0007,826
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-219,00012,261
1993-12-31 (YTD Data)Rank
Total interest income$157,00013,237
Total interest expense$013,264
Net interest income$157,00013,169
Provision for loan and lease losses$010,371
Total noninterest income$46,00012,646
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,00010,780
Trading account gains and feesNANA
Additional Noninterest Income$17,00012,255
Total noninterest expense$236,00013,134
Salaries and employee benefits$142,00013,022
Premises and equipment expense$11,00013,206
Additional noninterest expense$83,00013,062
Pre-tax net operating income$-33,00012,508
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$-33,00012,593
Extraordinary gains, net$03,149
Net income$-33,00012,620
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,00011,729
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$625,000555
Net operating income$-33,00012,478
1992-12-31 (YTD Data)Rank
Total interest income$137,00013,880
Total interest expense$013,899
Net interest income$137,00013,822
Provision for loan and lease losses$7,00011,393
Total noninterest income$30,00013,538
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$15,00011,488
Trading account gains and feesNANA
Additional Noninterest Income$15,00012,987
Total noninterest expense$149,00013,860
Salaries and employee benefits$108,00013,764
Premises and equipment expense$8,00013,854
Additional noninterest expense$33,00013,886
Pre-tax net operating income$11,00012,639
Securities gains (losses)$08,369
Applicable income taxes$3,00012,573
Income before extraordinary items$8,00012,846
Extraordinary gains, net$01,422
Net income$8,00012,840
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,00011,020
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$8,00012,614

* 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.