Home > Lone Oak State Bank > Income and Expense

Lone Oak State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$902,000	9,468
Total interest expense	$219,000	9,633
Net interest income	$683,000	9,162
Provision for loan and lease losses	$26,000	7,369
Total noninterest income	$256,000	6,710
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$206,000	5,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	7,811
Total noninterest expense	$824,000	8,502
Salaries and employee benefits	$417,000	8,664
Premises and equipment expense	$119,000	8,117
Additional noninterest expense	$288,000	8,038
Pre-tax net operating income	$89,000	8,838
Securities gains (losses)	$0	1,956
Applicable income taxes	$11,000	8,049
Income before extraordinary items	$78,000	8,842
Extraordinary gains, net	$0	38
Net income	$78,000	8,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,623
Cash dividends	$15,000	6,726
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$78,000	8,828
1999-12-31 (YTD Data)		Rank
Total interest income	$825,000	9,756
Total interest expense	$203,000	9,931
Net interest income	$622,000	9,467
Provision for loan and lease losses	$10,000	8,114
Total noninterest income	$221,000	7,242
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$165,000	5,603
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	7,849
Total noninterest expense	$729,000	8,948
Salaries and employee benefits	$349,000	9,196
Premises and equipment expense	$112,000	8,385
Additional noninterest expense	$268,000	8,394
Pre-tax net operating income	$104,000	9,057
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$19,000	8,242
Income before extraordinary items	$86,000	9,059
Extraordinary gains, net	$0	35
Net income	$86,000	9,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,085
Cash dividends	$45,000	6,667
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$85,180	9,032
1998-12-31 (YTD Data)		Rank
Total interest income	$793,000	10,026
Total interest expense	$214,000	10,175
Net interest income	$579,000	9,784
Provision for loan and lease losses	$13,000	8,046
Total noninterest income	$201,000	7,555
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	5,761
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	8,456
Total noninterest expense	$676,000	9,176
Salaries and employee benefits	$329,000	9,436
Premises and equipment expense	$100,000	8,699
Additional noninterest expense	$247,000	8,632
Pre-tax net operating income	$91,000	9,450
Securities gains (losses)	$0	4,449
Applicable income taxes	$10,000	9,075
Income before extraordinary items	$81,000	9,458
Extraordinary gains, net	$0	32
Net income	$81,000	9,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,038
Cash dividends	$51,000	6,854
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$81,000	9,394
1997-12-31 (YTD Data)		Rank
Total interest income	$720,000	10,546
Total interest expense	$188,000	10,686
Net interest income	$532,000	10,317
Provision for loan and lease losses	$0	8,829
Total noninterest income	$201,000	7,827
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$161,000	5,977
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,870
Total noninterest expense	$625,000	9,651
Salaries and employee benefits	$302,000	9,943
Premises and equipment expense	$100,000	8,967
Additional noninterest expense	$223,000	9,142
Pre-tax net operating income	$108,000	10,036
Securities gains (losses)	$0	3,944
Applicable income taxes	$16,000	9,792
Income before extraordinary items	$92,000	10,008
Extraordinary gains, net	$0	44
Net income	$92,000	10,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	9,638
Cash dividends	$55,000	7,116
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$92,000	9,965
1996-12-31 (YTD Data)		Rank
Total interest income	$643,000	11,164
Total interest expense	$166,000	11,268
Net interest income	$477,000	10,937
Provision for loan and lease losses	$8,000	8,671
Total noninterest income	$190,000	8,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$148,000	6,499
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	9,253
Total noninterest expense	$570,000	10,308
Salaries and employee benefits	$275,000	10,548
Premises and equipment expense	$81,000	9,791
Additional noninterest expense	$214,000	9,774
Pre-tax net operating income	$89,000	10,430
Securities gains (losses)	$0	4,148
Applicable income taxes	$11,000	10,352
Income before extraordinary items	$78,000	10,401
Extraordinary gains, net	$0	53
Net income	$78,000	10,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$46,000	7,619
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$78,000	10,358
1995-12-31 (YTD Data)		Rank
Total interest income	$647,000	11,676
Total interest expense	$155,000	11,806
Net interest income	$492,000	11,413
Provision for loan and lease losses	$0	8,958
Total noninterest income	$175,000	8,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	6,862
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	10,029
Total noninterest expense	$569,000	10,715
Salaries and employee benefits	$283,000	10,893
Premises and equipment expense	$72,000	10,422
Additional noninterest expense	$214,000	10,254
Pre-tax net operating income	$98,000	11,097
Securities gains (losses)	$0	3,831
Applicable income taxes	$15,000	10,835
Income before extraordinary items	$83,000	11,076
Extraordinary gains, net	$0	65
Net income	$83,000	11,075
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$47,000	7,864
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$83,000	11,058
1994-12-31 (YTD Data)		Rank
Total interest income	$604,000	12,309
Total interest expense	$134,000	12,467
Net interest income	$470,000	12,090
Provision for loan and lease losses	$7,000	8,694
Total noninterest income	$193,000	8,852
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	6,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,986
Total noninterest expense	$533,000	11,442
Salaries and employee benefits	$259,000	11,586
Premises and equipment expense	$63,000	11,198
Additional noninterest expense	$211,000	11,004
Pre-tax net operating income	$123,000	11,468
Securities gains (losses)	$0	3,600
Applicable income taxes	$23,000	11,093
Income before extraordinary items	$100,000	11,384
Extraordinary gains, net	$0	249
Net income	$100,000	11,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,270
Cash dividends	$59,000	7,785
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$100,000	11,424
1993-12-31 (YTD Data)		Rank
Total interest income	$588,000	12,955
Total interest expense	$146,000	13,113
Net interest income	$442,000	12,708
Provision for loan and lease losses	$22,000	8,943
Total noninterest income	$209,000	9,060
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$174,000	6,494
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,982
Total noninterest expense	$520,000	12,060
Salaries and employee benefits	$235,000	12,320
Premises and equipment expense	$74,000	11,370
Additional noninterest expense	$211,000	11,579
Pre-tax net operating income	$109,000	11,801
Securities gains (losses)	$0	7,477
Applicable income taxes	$25,000	11,496
Income before extraordinary items	$84,000	11,971
Extraordinary gains, net	$-5,000	12,234
Net income	$79,000	12,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	8,388
Cash dividends	$55,000	7,841
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$84,000	11,783
1992-12-31 (YTD Data)		Rank
Total interest income	$629,000	13,574
Total interest expense	$172,000	13,751
Net interest income	$457,000	13,214
Provision for loan and lease losses	$54,000	8,887
Total noninterest income	$178,000	9,865
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$148,000	7,158
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	11,767
Total noninterest expense	$496,000	12,657
Salaries and employee benefits	$235,000	12,767
Premises and equipment expense	$52,000	12,611
Additional noninterest expense	$209,000	12,115
Pre-tax net operating income	$85,000	12,162
Securities gains (losses)	$5,000	7,049
Applicable income taxes	$21,000	12,079
Income before extraordinary items	$69,000	12,360
Extraordinary gains, net	$0	1,422
Net income	$69,000	12,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	7,255
Cash dividends	$51,000	7,640
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$65,150	12,120

* 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.