Home > Main Street Bank > Income and Expense
Main Street Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $103,215,000 | 382 |
| Total interest expense | $53,199,000 | 365 |
| Net interest income | $50,016,000 | 403 |
| Provision for loan and lease losses | $6,035,000 | 315 |
| Total noninterest income | $10,807,000 | 573 |
| Gross Fiduciary activities income | $1,075,000 | 406 |
| Service charges on deposit accounts | $5,524,000 | 294 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,208,000 | 744 |
| Total noninterest expense | $44,263,000 | 395 |
| Salaries and employee benefits | $21,099,000 | 380 |
| Premises and equipment expense | $8,019,000 | 312 |
| Additional noninterest expense | $15,145,000 | 431 |
| Pre-tax net operating income | $10,525,000 | 734 |
| Securities gains (losses) | $4,096,000 | 153 |
| Applicable income taxes | $1,903,000 | 1,227 |
| Income before extraordinary items | $12,718,000 | 476 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $12,718,000 | 476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,727,000 | 456 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $9,154,480 | 586 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $106,587,000 | 396 |
| Total interest expense | $64,877,000 | 349 |
| Net interest income | $41,710,000 | 463 |
| Provision for loan and lease losses | $4,625,000 | 338 |
| Total noninterest income | $9,847,000 | 592 |
| Gross Fiduciary activities income | $951,000 | 431 |
| Service charges on deposit accounts | $4,757,000 | 303 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,139,000 | 705 |
| Total noninterest expense | $48,739,000 | 353 |
| Salaries and employee benefits | $19,892,000 | 374 |
| Premises and equipment expense | $7,846,000 | 311 |
| Additional noninterest expense | $21,001,000 | 334 |
| Pre-tax net operating income | $-1,807,000 | 9,809 |
| Securities gains (losses) | $-7,068,000 | 9,853 |
| Applicable income taxes | $-6,659,000 | 9,889 |
| Income before extraordinary items | $-2,216,000 | 9,833 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-2,216,000 | 9,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,956,000 | 482 |
| Cash dividends | $4,327,000 | 706 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,307,520 | 2,242 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $87,479,000 | 443 |
| Total interest expense | $49,688,000 | 386 |
| Net interest income | $37,791,000 | 518 |
| Provision for loan and lease losses | $1,217,000 | 828 |
| Total noninterest income | $5,363,000 | 894 |
| Gross Fiduciary activities income | $1,114,000 | 444 |
| Service charges on deposit accounts | $1,489,000 | 889 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,760,000 | 946 |
| Total noninterest expense | $36,392,000 | 469 |
| Salaries and employee benefits | $16,748,000 | 458 |
| Premises and equipment expense | $6,114,000 | 381 |
| Additional noninterest expense | $13,530,000 | 476 |
| Pre-tax net operating income | $5,545,000 | 1,373 |
| Securities gains (losses) | $-96,000 | 9,943 |
| Applicable income taxes | $-2,587,000 | 10,203 |
| Income before extraordinary items | $8,036,000 | 733 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,036,000 | 733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,438,000 | 551 |
| Cash dividends | $7,500,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,132,000 | 709 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $36,920,000 | 902 |
| Total interest expense | $21,308,000 | 768 |
| Net interest income | $15,612,000 | 1,083 |
| Provision for loan and lease losses | $1,560,000 | 688 |
| Total noninterest income | $3,180,000 | 1,293 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $418,000 | 3,012 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,762,000 | 945 |
| Total noninterest expense | $12,040,000 | 1,101 |
| Salaries and employee benefits | $5,685,000 | 1,153 |
| Premises and equipment expense | $2,058,000 | 939 |
| Additional noninterest expense | $4,297,000 | 1,069 |
| Pre-tax net operating income | $5,192,000 | 1,425 |
| Securities gains (losses) | $342,000 | 691 |
| Applicable income taxes | $868,000 | 2,561 |
| Income before extraordinary items | $4,666,000 | 1,150 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,666,000 | 1,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,248 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,378,720 | 1,180 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $27,410,000 | 1,220 |
| Total interest expense | $15,610,000 | 1,047 |
| Net interest income | $11,800,000 | 1,468 |
| Provision for loan and lease losses | $960,000 | 1,015 |
| Total noninterest income | $2,125,000 | 1,685 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $322,000 | 3,864 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,803,000 | 1,173 |
| Total noninterest expense | $9,126,000 | 1,438 |
| Salaries and employee benefits | $4,624,000 | 1,413 |
| Premises and equipment expense | $1,219,000 | 1,598 |
| Additional noninterest expense | $3,283,000 | 1,334 |
| Pre-tax net operating income | $3,839,000 | 1,953 |
| Securities gains (losses) | $176,000 | 766 |
| Applicable income taxes | $826,000 | 2,856 |
| Income before extraordinary items | $3,189,000 | 1,682 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,189,000 | 1,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 1,739 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,049,960 | 1,705 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,983,000 | 1,884 |
| Total interest expense | $9,812,000 | 1,618 |
| Net interest income | $8,171,000 | 2,202 |
| Provision for loan and lease losses | $687,000 | 1,350 |
| Total noninterest income | $1,382,000 | 2,441 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $220,000 | 5,226 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,162,000 | 1,635 |
| Total noninterest expense | $6,463,000 | 2,132 |
| Salaries and employee benefits | $2,861,000 | 2,324 |
| Premises and equipment expense | $1,003,000 | 1,993 |
| Additional noninterest expense | $2,599,000 | 1,953 |
| Pre-tax net operating income | $2,403,000 | 2,877 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $455,000 | 4,468 |
| Income before extraordinary items | $1,947,000 | 2,513 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,947,000 | 2,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 1,815 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,947,810 | 2,463 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,224,000 | 2,528 |
| Total interest expense | $7,025,000 | 2,223 |
| Net interest income | $6,199,000 | 2,871 |
| Provision for loan and lease losses | $518,000 | 1,528 |
| Total noninterest income | $1,026,000 | 3,046 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $169,000 | 6,277 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $857,000 | 2,005 |
| Total noninterest expense | $5,389,000 | 2,523 |
| Salaries and employee benefits | $2,370,000 | 2,816 |
| Premises and equipment expense | $877,000 | 2,288 |
| Additional noninterest expense | $2,142,000 | 2,275 |
| Pre-tax net operating income | $1,318,000 | 4,906 |
| Securities gains (losses) | $-24,000 | 10,683 |
| Applicable income taxes | $355,000 | 5,383 |
| Income before extraordinary items | $939,000 | 4,828 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $939,000 | 4,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,023 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $956,520 | 4,755 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,784,000 | 2,822 |
| Total interest expense | $5,252,000 | 2,348 |
| Net interest income | $5,532,000 | 3,229 |
| Provision for loan and lease losses | $22,000 | 7,672 |
| Total noninterest income | $825,000 | 3,620 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $138,000 | 7,171 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $687,000 | 2,361 |
| Total noninterest expense | $4,384,000 | 3,139 |
| Salaries and employee benefits | $2,025,000 | 3,246 |
| Premises and equipment expense | $612,000 | 3,215 |
| Additional noninterest expense | $1,747,000 | 2,898 |
| Pre-tax net operating income | $1,951,000 | 3,501 |
| Securities gains (losses) | $-42,000 | 10,903 |
| Applicable income taxes | $581,000 | 3,608 |
| Income before extraordinary items | $1,328,000 | 3,526 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,328,000 | 3,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,873 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,357,400 | 3,481 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,803,000 | 2,871 |
| Total interest expense | $5,075,000 | 2,538 |
| Net interest income | $5,728,000 | 3,162 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $484,000 | 5,727 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $111,000 | 8,082 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $373,000 | 3,930 |
| Total noninterest expense | $4,102,000 | 3,409 |
| Salaries and employee benefits | $2,094,000 | 3,132 |
| Premises and equipment expense | $607,000 | 3,293 |
| Additional noninterest expense | $1,401,000 | 3,705 |
| Pre-tax net operating income | $1,900,000 | 3,490 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $622,000 | 3,484 |
| Income before extraordinary items | $1,278,000 | 3,779 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,278,000 | 3,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $695,000 | 1,446 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,278,000 | 3,579 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,868,000 | 2,955 |
| Total interest expense | $5,764,000 | 2,890 |
| Net interest income | $6,104,000 | 2,997 |
| Provision for loan and lease losses | $1,619,000 | 1,336 |
| Total noninterest income | $1,034,000 | 3,226 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $80,000 | 9,162 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $954,000 | 2,071 |
| Total noninterest expense | $4,033,000 | 3,475 |
| Salaries and employee benefits | $1,982,000 | 3,233 |
| Premises and equipment expense | $494,000 | 4,018 |
| Additional noninterest expense | $1,557,000 | 3,484 |
| Pre-tax net operating income | $1,486,000 | 4,065 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $431,000 | 4,524 |
| Income before extraordinary items | $1,086,000 | 4,174 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,086,000 | 4,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,101,000 | 1,474 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,063,680 | 3,951 |
* 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.