Home > Manchester State Bank > Income and Expense
Manchester State Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,370,000 | 4,350 |
| Total interest expense | $2,733,000 | 5,171 |
| Net interest income | $4,637,000 | 3,789 |
| Provision for loan and lease losses | $475,000 | 1,647 |
| Total noninterest income | $459,000 | 5,486 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $261,000 | 4,787 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $198,000 | 5,162 |
| Total noninterest expense | $3,900,000 | 3,409 |
| Salaries and employee benefits | $1,761,000 | 3,717 |
| Premises and equipment expense | $532,000 | 3,562 |
| Additional noninterest expense | $1,607,000 | 2,909 |
| Pre-tax net operating income | $721,000 | 7,216 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $380,000 | 5,127 |
| Income before extraordinary items | $341,000 | 8,560 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $341,000 | 8,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $500,000 | 1,389 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $341,000 | 8,530 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,700,000 | 4,399 |
| Total interest expense | $2,398,000 | 4,817 |
| Net interest income | $4,302,000 | 4,089 |
| Provision for loan and lease losses | $700,000 | 1,201 |
| Total noninterest income | $570,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $280,000 | 4,611 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $290,000 | 4,180 |
| Total noninterest expense | $3,781,000 | 3,595 |
| Salaries and employee benefits | $1,385,000 | 4,616 |
| Premises and equipment expense | $510,000 | 3,737 |
| Additional noninterest expense | $1,886,000 | 2,709 |
| Pre-tax net operating income | $391,000 | 9,436 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $188,000 | 7,551 |
| Income before extraordinary items | $203,000 | 10,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $203,000 | 10,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,553,000 | 668 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $203,000 | 10,289 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,804,000 | 3,898 |
| Total interest expense | $3,120,000 | 3,986 |
| Net interest income | $4,684,000 | 3,795 |
| Provision for loan and lease losses | $1,814,000 | 865 |
| Total noninterest income | $464,000 | 5,876 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $326,000 | 4,124 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $138,000 | 6,833 |
| Total noninterest expense | $3,257,000 | 4,190 |
| Salaries and employee benefits | $1,300,000 | 4,878 |
| Premises and equipment expense | $409,000 | 4,628 |
| Additional noninterest expense | $1,548,000 | 3,414 |
| Pre-tax net operating income | $77,000 | 12,012 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $68,000 | 10,531 |
| Income before extraordinary items | $9,000 | 12,487 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $9,000 | 12,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,314,000 | 665 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $9,000 | 12,345 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,784,000 | 3,948 |
| Total interest expense | $4,086,000 | 4,002 |
| Net interest income | $4,698,000 | 3,853 |
| Provision for loan and lease losses | $2,188,000 | 1,083 |
| Total noninterest income | $568,000 | 5,170 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $337,000 | 4,055 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $231,000 | 5,223 |
| Total noninterest expense | $2,949,000 | 4,609 |
| Salaries and employee benefits | $1,278,000 | 4,899 |
| Premises and equipment expense | $565,000 | 3,558 |
| Additional noninterest expense | $1,106,000 | 4,668 |
| Pre-tax net operating income | $129,000 | 11,725 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $111,000 | 9,628 |
| Income before extraordinary items | $19,000 | 12,782 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $19,000 | 12,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,043,000 | 949 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $18,360 | 12,550 |
* 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.