Home > Osmond State Bank > Income and Expense
Osmond State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,242,000 | 8,726 |
| Total interest expense | $1,138,000 | 8,291 |
| Net interest income | $1,104,000 | 8,930 |
| Provision for loan and lease losses | $41,000 | 6,989 |
| Total noninterest income | $150,000 | 8,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 7,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,389 |
| Total noninterest expense | $708,000 | 9,377 |
| Salaries and employee benefits | $404,000 | 9,238 |
| Premises and equipment expense | $69,000 | 9,733 |
| Additional noninterest expense | $235,000 | 9,026 |
| Pre-tax net operating income | $505,000 | 7,891 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $106,000 | 8,305 |
| Income before extraordinary items | $399,000 | 7,649 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $399,000 | 7,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $203,000 | 5,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $399,000 | 7,589 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,044,000 | 9,317 |
| Total interest expense | $997,000 | 9,015 |
| Net interest income | $1,047,000 | 9,424 |
| Provision for loan and lease losses | $34,000 | 7,277 |
| Total noninterest income | $134,000 | 9,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 7,601 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 9,409 |
| Total noninterest expense | $659,000 | 9,959 |
| Salaries and employee benefits | $390,000 | 9,667 |
| Premises and equipment expense | $60,000 | 10,351 |
| Additional noninterest expense | $209,000 | 9,841 |
| Pre-tax net operating income | $488,000 | 8,015 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $139,000 | 8,045 |
| Income before extraordinary items | $349,000 | 8,009 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $349,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $160,000 | 5,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $349,000 | 7,949 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,023,000 | 9,681 |
| Total interest expense | $987,000 | 9,303 |
| Net interest income | $1,036,000 | 9,828 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $105,000 | 10,171 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,261 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,706 |
| Total noninterest expense | $654,000 | 10,347 |
| Salaries and employee benefits | $365,000 | 10,216 |
| Premises and equipment expense | $66,000 | 10,593 |
| Additional noninterest expense | $223,000 | 10,154 |
| Pre-tax net operating income | $457,000 | 8,708 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $124,000 | 8,732 |
| Income before extraordinary items | $333,000 | 8,629 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $333,000 | 8,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $90,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $333,000 | 8,598 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,676,000 | 10,395 |
| Total interest expense | $708,000 | 10,050 |
| Net interest income | $968,000 | 10,495 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $92,000 | 10,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 8,938 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 11,420 |
| Total noninterest expense | $629,000 | 10,984 |
| Salaries and employee benefits | $330,000 | 10,936 |
| Premises and equipment expense | $90,000 | 10,345 |
| Additional noninterest expense | $209,000 | 11,024 |
| Pre-tax net operating income | $431,000 | 9,122 |
| Securities gains (losses) | $-9,000 | 9,765 |
| Applicable income taxes | $122,000 | 8,885 |
| Income before extraordinary items | $300,000 | 9,150 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $300,000 | 9,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $306,390 | 9,149 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 11,131 |
| Total interest expense | $673,000 | 10,744 |
| Net interest income | $873,000 | 11,264 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $84,000 | 11,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $587,000 | 11,712 |
| Salaries and employee benefits | $325,000 | 11,404 |
| Premises and equipment expense | $74,000 | 11,370 |
| Additional noninterest expense | $188,000 | 11,892 |
| Pre-tax net operating income | $370,000 | 9,659 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $106,000 | 9,601 |
| Income before extraordinary items | $265,000 | 9,869 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $265,000 | 10,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 11,292 |
| Cash dividends | $75,000 | 7,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $264,290 | 9,625 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 11,819 |
| Total interest expense | $752,000 | 11,568 |
| Net interest income | $809,000 | 11,876 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $84,000 | 12,175 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $589,000 | 12,132 |
| Salaries and employee benefits | $320,000 | 11,788 |
| Premises and equipment expense | $79,000 | 11,525 |
| Additional noninterest expense | $190,000 | 12,374 |
| Pre-tax net operating income | $304,000 | 10,097 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $89,000 | 10,194 |
| Income before extraordinary items | $218,000 | 10,351 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $218,000 | 10,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $215,870 | 10,027 |
* 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.