Home > Northern State Bank > Income and Expense
Northern State Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,059,000 | 5,137 |
| Total interest expense | $2,293,000 | 4,384 |
| Net interest income | $2,766,000 | 5,568 |
| Provision for loan and lease losses | $274,000 | 3,659 |
| Total noninterest income | $215,000 | 7,162 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $90,000 | 6,759 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $125,000 | 5,983 |
| Total noninterest expense | $3,494,000 | 3,983 |
| Salaries and employee benefits | $1,453,000 | 4,809 |
| Premises and equipment expense | $771,000 | 2,757 |
| Additional noninterest expense | $1,270,000 | 3,445 |
| Pre-tax net operating income | $-787,000 | 9,075 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-787,000 | 9,132 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-787,000 | 9,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 3,344 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-787,000 | 9,094 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,397,000 | 6,032 |
| Total interest expense | $2,585,000 | 5,290 |
| Net interest income | $1,812,000 | 6,766 |
| Provision for loan and lease losses | $470,000 | 2,326 |
| Total noninterest income | $264,000 | 6,730 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $67,000 | 7,236 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $197,000 | 4,961 |
| Total noninterest expense | $2,949,000 | 4,390 |
| Salaries and employee benefits | $1,374,000 | 4,825 |
| Premises and equipment expense | $677,000 | 3,034 |
| Additional noninterest expense | $898,000 | 4,417 |
| Pre-tax net operating income | $-1,343,000 | 9,436 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,343,000 | 9,473 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,343,000 | 9,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,455 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-217,000 | 9,521 |
| Net operating income | $-1,343,000 | 9,445 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,109,000 | 8,299 |
| Total interest expense | $1,004,000 | 8,210 |
| Net interest income | $1,105,000 | 8,268 |
| Provision for loan and lease losses | $337,000 | 2,643 |
| Total noninterest income | $132,000 | 8,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,206 |
| Total noninterest expense | $2,377,000 | 5,035 |
| Salaries and employee benefits | $1,120,000 | 5,491 |
| Premises and equipment expense | $490,000 | 3,849 |
| Additional noninterest expense | $767,000 | 4,873 |
| Pre-tax net operating income | $-1,477,000 | 9,784 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,477,000 | 9,791 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,477,000 | 9,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $3,815,000 | 268 |
| Net operating income | $-1,477,000 | 9,792 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $357,000 | 10,044 |
| Total interest expense | $69,000 | 10,081 |
| Net interest income | $288,000 | 9,979 |
| Provision for loan and lease losses | $115,000 | 4,942 |
| Total noninterest income | $22,000 | 9,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $1,003,000 | 8,121 |
| Salaries and employee benefits | $290,000 | 9,523 |
| Premises and equipment expense | $99,000 | 8,653 |
| Additional noninterest expense | $614,000 | 5,741 |
| Pre-tax net operating income | $-808,000 | 10,001 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-808,000 | 10,030 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-808,000 | 10,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $8,957,000 | 98 |
| Net operating income | $-808,000 | 10,020 |
* 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.