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Northern State Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$8,354,0003,871
Total interest expense$4,167,0003,569
Net interest income$4,187,0004,163
Provision for loan and lease losses$102,0005,039
Total noninterest income$458,0005,472
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$299,0004,238
Trading account gains and feesNANA
Additional Noninterest Income$159,0005,807
Total noninterest expense$2,433,0005,117
Salaries and employee benefits$1,274,0004,930
Premises and equipment expense$431,0004,280
Additional noninterest expense$728,0005,581
Pre-tax net operating income$2,110,0003,266
Securities gains (losses)$04,148
Applicable income taxes$743,0003,038
Income before extraordinary items$1,367,0003,480
Extraordinary gains, net$053
Net income$1,367,0003,479
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,513
Cash dividends$730,0002,669
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,367,0003,429
1995-12-31 (YTD Data)Rank
Total interest income$7,982,0004,026
Total interest expense$3,787,0003,865
Net interest income$4,195,0004,148
Provision for loan and lease losses$144,0003,734
Total noninterest income$427,0005,736
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$235,0005,124
Trading account gains and feesNANA
Additional Noninterest Income$192,0005,250
Total noninterest expense$2,337,0005,283
Salaries and employee benefits$1,218,0005,157
Premises and equipment expense$369,0004,840
Additional noninterest expense$750,0005,526
Pre-tax net operating income$2,141,0003,281
Securities gains (losses)$03,831
Applicable income taxes$729,0003,126
Income before extraordinary items$1,412,0003,425
Extraordinary gains, net$065
Net income$1,412,0003,424
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-38,00011,339
Cash dividends$380,0003,998
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,412,0003,401
1994-12-31 (YTD Data)Rank
Total interest income$6,970,0004,232
Total interest expense$3,040,0003,917
Net interest income$3,930,0004,458
Provision for loan and lease losses$144,0003,703
Total noninterest income$285,0007,457
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$198,0005,911
Trading account gains and feesNANA
Additional Noninterest Income$87,0007,945
Total noninterest expense$2,097,0005,969
Salaries and employee benefits$1,024,0005,977
Premises and equipment expense$324,0005,382
Additional noninterest expense$749,0005,998
Pre-tax net operating income$1,974,0003,463
Securities gains (losses)$03,600
Applicable income taxes$686,0003,138
Income before extraordinary items$1,288,0003,619
Extraordinary gains, net$0249
Net income$1,288,0003,626
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-31,00011,591
Cash dividends$305,0004,396
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,288,0003,660
1993-12-31 (YTD Data)Rank
Total interest income$6,476,0004,626
Total interest expense$3,073,0004,031
Net interest income$3,403,0005,068
Provision for loan and lease losses$144,0004,763
Total noninterest income$203,0009,177
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$175,0006,478
Trading account gains and feesNANA
Additional Noninterest Income$28,00011,437
Total noninterest expense$1,800,0006,891
Salaries and employee benefits$899,0006,720
Premises and equipment expense$177,0008,214
Additional noninterest expense$724,0006,398
Pre-tax net operating income$1,662,0003,944
Securities gains (losses)$07,477
Applicable income taxes$551,0003,846
Income before extraordinary items$1,111,0004,289
Extraordinary gains, net$03,149
Net income$1,111,0004,410
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0007,730
Cash dividends$190,0005,586
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,111,0004,070
1992-12-31 (YTD Data)Rank
Total interest income$6,577,0005,090
Total interest expense$3,575,0004,469
Net interest income$3,002,0005,708
Provision for loan and lease losses$144,0006,224
Total noninterest income$191,0009,589
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$150,0007,109
Trading account gains and feesNANA
Additional Noninterest Income$41,00010,988
Total noninterest expense$1,530,0007,801
Salaries and employee benefits$836,0007,019
Premises and equipment expense$82,00011,425
Additional noninterest expense$612,0007,403
Pre-tax net operating income$1,519,0004,001
Securities gains (losses)$08,369
Applicable income taxes$504,0003,978
Income before extraordinary items$1,015,0004,433
Extraordinary gains, net$01,422
Net income$1,015,0004,476
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-38,00013,380
Cash dividends$47,0007,815
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,015,0004,118

* 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.