Home > Mercantile Bank of St. Joseph > Income and Expense
Mercantile Bank of St. Joseph, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,916,000 | 1,334 |
| Total interest expense | $11,377,000 | 1,387 |
| Net interest income | $13,539,000 | 1,280 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $4,575,000 | 984 |
| Gross Fiduciary activities income | $1,916,000 | 330 |
| Service charges on deposit accounts | $1,465,000 | 875 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,194,000 | 1,561 |
| Total noninterest expense | $9,158,000 | 1,433 |
| Salaries and employee benefits | $4,898,000 | 1,342 |
| Premises and equipment expense | $788,000 | 2,455 |
| Additional noninterest expense | $3,472,000 | 1,264 |
| Pre-tax net operating income | $8,956,000 | 902 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $3,078,000 | 909 |
| Income before extraordinary items | $5,878,000 | 941 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,878,000 | 942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,456 |
| Cash dividends | $4,700,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,878,000 | 914 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,124,000 | 1,416 |
| Total interest expense | $11,000,000 | 1,464 |
| Net interest income | $13,124,000 | 1,367 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $4,410,000 | 1,028 |
| Gross Fiduciary activities income | $1,819,000 | 373 |
| Service charges on deposit accounts | $1,398,000 | 951 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,193,000 | 1,606 |
| Total noninterest expense | $8,686,000 | 1,632 |
| Salaries and employee benefits | $4,773,000 | 1,406 |
| Premises and equipment expense | $906,000 | 2,194 |
| Additional noninterest expense | $3,007,000 | 1,732 |
| Pre-tax net operating income | $8,698,000 | 877 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $3,047,000 | 864 |
| Income before extraordinary items | $5,651,000 | 938 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,651,000 | 939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,232 |
| Cash dividends | $7,200,000 | 532 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,651,000 | 920 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,804,000 | 1,447 |
| Total interest expense | $10,442,000 | 1,540 |
| Net interest income | $13,362,000 | 1,340 |
| Provision for loan and lease losses | $277,000 | 2,396 |
| Total noninterest income | $4,020,000 | 1,114 |
| Gross Fiduciary activities income | $1,643,000 | 418 |
| Service charges on deposit accounts | $1,403,000 | 950 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $974,000 | 1,832 |
| Total noninterest expense | $9,271,000 | 1,535 |
| Salaries and employee benefits | $4,848,000 | 1,371 |
| Premises and equipment expense | $1,042,000 | 1,959 |
| Additional noninterest expense | $3,381,000 | 1,529 |
| Pre-tax net operating income | $7,834,000 | 997 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,721,000 | 982 |
| Income before extraordinary items | $5,113,000 | 1,051 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,113,000 | 1,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,293 |
| Cash dividends | $5,500,000 | 587 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,113,000 | 1,032 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $21,621,000 | 1,429 |
| Total interest expense | $8,566,000 | 1,509 |
| Net interest income | $13,055,000 | 1,368 |
| Provision for loan and lease losses | $335,000 | 2,089 |
| Total noninterest income | $3,918,000 | 1,096 |
| Gross Fiduciary activities income | $1,683,000 | 406 |
| Service charges on deposit accounts | $1,459,000 | 894 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $776,000 | 2,177 |
| Total noninterest expense | $9,967,000 | 1,476 |
| Salaries and employee benefits | $4,996,000 | 1,354 |
| Premises and equipment expense | $897,000 | 2,250 |
| Additional noninterest expense | $4,074,000 | 1,394 |
| Pre-tax net operating income | $6,671,000 | 1,138 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,302,000 | 1,064 |
| Income before extraordinary items | $4,369,000 | 1,163 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,369,000 | 1,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $3,972,000 | 668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,369,000 | 1,177 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,890,000 | 1,503 |
| Total interest expense | $10,245,000 | 1,308 |
| Net interest income | $10,645,000 | 1,708 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $4,556,000 | 1,058 |
| Gross Fiduciary activities income | $1,760,000 | 404 |
| Service charges on deposit accounts | $1,495,000 | 878 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,301,000 | 1,715 |
| Total noninterest expense | $11,758,000 | 1,308 |
| Salaries and employee benefits | $5,160,000 | 1,299 |
| Premises and equipment expense | $1,207,000 | 1,739 |
| Additional noninterest expense | $5,391,000 | 1,197 |
| Pre-tax net operating income | $3,233,000 | 2,109 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,008,000 | 2,244 |
| Income before extraordinary items | $2,225,000 | 2,251 |
| Extraordinary gains, net | $318,000 | 673 |
| Net income | $2,543,000 | 2,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $788,000 | 1,334 |
| Cash dividends | $724,000 | 2,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,225,000 | 2,114 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,616,000 | 2,261 |
| Total interest expense | $8,389,000 | 2,037 |
| Net interest income | $7,227,000 | 2,514 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $2,673,000 | 1,579 |
| Gross Fiduciary activities income | $1,039,000 | 542 |
| Service charges on deposit accounts | $1,218,000 | 1,074 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $416,000 | 3,613 |
| Total noninterest expense | $7,330,000 | 2,008 |
| Salaries and employee benefits | $3,089,000 | 2,124 |
| Premises and equipment expense | $846,000 | 2,439 |
| Additional noninterest expense | $3,395,000 | 1,795 |
| Pre-tax net operating income | $2,450,000 | 2,540 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $738,000 | 2,815 |
| Income before extraordinary items | $1,716,000 | 2,674 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,716,000 | 2,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 5,482 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,713,200 | 2,486 |
* 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.