Home > McHenry State Bank > Income and Expense
McHenry State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $31,025,000 | 1,092 |
| Total interest expense | $15,218,000 | 1,076 |
| Net interest income | $15,807,000 | 1,118 |
| Provision for loan and lease losses | $1,406,000 | 763 |
| Total noninterest income | $3,179,000 | 1,241 |
| Gross Fiduciary activities income | $736,000 | 550 |
| Service charges on deposit accounts | $474,000 | 2,761 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,969,000 | 1,116 |
| Total noninterest expense | $10,019,000 | 1,318 |
| Salaries and employee benefits | $5,743,000 | 1,143 |
| Premises and equipment expense | $1,490,000 | 1,316 |
| Additional noninterest expense | $2,786,000 | 1,538 |
| Pre-tax net operating income | $7,561,000 | 1,065 |
| Securities gains (losses) | $24,000 | 1,768 |
| Applicable income taxes | $1,721,000 | 1,509 |
| Income before extraordinary items | $5,864,000 | 945 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,864,000 | 946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,815 |
| Cash dividends | $3,200,000 | 880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,845,520 | 921 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $31,622,000 | 1,096 |
| Total interest expense | $15,954,000 | 1,033 |
| Net interest income | $15,668,000 | 1,152 |
| Provision for loan and lease losses | $320,000 | 2,449 |
| Total noninterest income | $2,882,000 | 1,402 |
| Gross Fiduciary activities income | $721,000 | 608 |
| Service charges on deposit accounts | $374,000 | 3,538 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,787,000 | 1,251 |
| Total noninterest expense | $10,372,000 | 1,380 |
| Salaries and employee benefits | $6,010,000 | 1,119 |
| Premises and equipment expense | $1,525,000 | 1,344 |
| Additional noninterest expense | $2,837,000 | 1,827 |
| Pre-tax net operating income | $7,858,000 | 973 |
| Securities gains (losses) | $-15,000 | 10,479 |
| Applicable income taxes | $1,662,000 | 1,453 |
| Income before extraordinary items | $6,181,000 | 869 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,181,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,962 |
| Cash dividends | $3,040,000 | 940 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,192,850 | 847 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $30,573,000 | 1,143 |
| Total interest expense | $15,685,000 | 1,081 |
| Net interest income | $14,888,000 | 1,207 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $2,759,000 | 1,429 |
| Gross Fiduciary activities income | $706,000 | 636 |
| Service charges on deposit accounts | $368,000 | 3,602 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,685,000 | 1,281 |
| Total noninterest expense | $10,450,000 | 1,357 |
| Salaries and employee benefits | $5,683,000 | 1,178 |
| Premises and equipment expense | $1,558,000 | 1,326 |
| Additional noninterest expense | $3,209,000 | 1,602 |
| Pre-tax net operating income | $7,077,000 | 1,099 |
| Securities gains (losses) | $46,000 | 1,362 |
| Applicable income taxes | $1,382,000 | 1,772 |
| Income before extraordinary items | $5,741,000 | 934 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,741,000 | 934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,197 |
| Cash dividends | $2,880,000 | 956 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,703,740 | 934 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $29,188,000 | 1,089 |
| Total interest expense | $12,904,000 | 1,018 |
| Net interest income | $16,284,000 | 1,130 |
| Provision for loan and lease losses | $610,000 | 1,312 |
| Total noninterest income | $2,949,000 | 1,384 |
| Gross Fiduciary activities income | $692,000 | 634 |
| Service charges on deposit accounts | $407,000 | 3,330 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,850,000 | 1,192 |
| Total noninterest expense | $10,899,000 | 1,349 |
| Salaries and employee benefits | $5,841,000 | 1,160 |
| Premises and equipment expense | $1,513,000 | 1,376 |
| Additional noninterest expense | $3,545,000 | 1,574 |
| Pre-tax net operating income | $7,724,000 | 997 |
| Securities gains (losses) | $-63,000 | 11,211 |
| Applicable income taxes | $1,309,000 | 1,752 |
| Income before extraordinary items | $6,352,000 | 827 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,352,000 | 829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,203 |
| Cash dividends | $3,200,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,404,290 | 818 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $29,703,000 | 1,063 |
| Total interest expense | $13,181,000 | 1,029 |
| Net interest income | $16,522,000 | 1,108 |
| Provision for loan and lease losses | $220,000 | 3,693 |
| Total noninterest income | $3,313,000 | 1,350 |
| Gross Fiduciary activities income | $599,000 | 704 |
| Service charges on deposit accounts | $371,000 | 3,692 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,343,000 | 1,137 |
| Total noninterest expense | $10,235,000 | 1,497 |
| Salaries and employee benefits | $5,494,000 | 1,220 |
| Premises and equipment expense | $1,456,000 | 1,456 |
| Additional noninterest expense | $3,285,000 | 1,776 |
| Pre-tax net operating income | $9,380,000 | 783 |
| Securities gains (losses) | $33,000 | 3,976 |
| Applicable income taxes | $2,306,000 | 1,073 |
| Income before extraordinary items | $7,107,000 | 736 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,107,000 | 761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,569 |
| Cash dividends | $2,400,000 | 863 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $7,081,920 | 686 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $30,646,000 | 1,197 |
| Total interest expense | $14,821,000 | 1,201 |
| Net interest income | $15,825,000 | 1,186 |
| Provision for loan and lease losses | $765,000 | 2,218 |
| Total noninterest income | $3,561,000 | 1,255 |
| Gross Fiduciary activities income | $594,000 | 707 |
| Service charges on deposit accounts | $705,000 | 1,918 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,262,000 | 1,145 |
| Total noninterest expense | $9,602,000 | 1,595 |
| Salaries and employee benefits | $5,486,000 | 1,221 |
| Premises and equipment expense | $1,119,000 | 1,891 |
| Additional noninterest expense | $2,997,000 | 2,001 |
| Pre-tax net operating income | $9,019,000 | 718 |
| Securities gains (losses) | $37,000 | 4,622 |
| Applicable income taxes | $2,232,000 | 1,030 |
| Income before extraordinary items | $6,824,000 | 697 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $6,824,000 | 691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $625,000 | 2,123 |
| Cash dividends | $4,960,000 | 391 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,796,250 | 638 |
* 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.