Home > Pella State Bank > Income and Expense

Pella State Bank, Income and Expense

2005-12-31 (YTD Data)		Rank
Total interest income	$4,068,000	5,775
Total interest expense	$1,640,000	4,998
Net interest income	$2,428,000	6,125
Provision for loan and lease losses	$318,000	2,710
Total noninterest income	$211,000	6,985
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$99,000	6,305
Trading account gains and fees	$0	138
Additional Noninterest Income	$112,000	6,225
Total noninterest expense	$1,447,000	6,983
Salaries and employee benefits	$648,000	7,456
Premises and equipment expense	$332,000	5,449
Additional noninterest expense	$467,000	6,760
Pre-tax net operating income	$874,000	5,697
Securities gains (losses)	$0	2,296
Applicable income taxes	$278,000	4,223
Income before extraordinary items	$596,000	6,016
Extraordinary gains, net	$0	46
Net income	$596,000	6,019
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$278,000	1,836
Cash dividends	$600,000	3,308
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$596,000	5,983
2005-09-30 (YTD Data)		Rank
Total interest income	$3,135,000	5,675
Total interest expense	$1,201,000	4,932
Net interest income	$1,934,000	5,984
Provision for loan and lease losses	$284,000	2,287
Total noninterest income	$155,000	7,041
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$72,000	6,383
Trading account gains and fees	$0	126
Additional Noninterest Income	$83,000	6,247
Total noninterest expense	$1,117,000	6,903
Salaries and employee benefits	$518,000	7,284
Premises and equipment expense	$255,000	5,370
Additional noninterest expense	$344,000	6,778
Pre-tax net operating income	$688,000	5,679
Securities gains (losses)	$0	2,317
Applicable income taxes	$223,000	4,260
Income before extraordinary items	$465,000	6,059
Extraordinary gains, net	$0	35
Net income	$465,000	6,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	1,453
Cash dividends	$450,000	2,957
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$465,000	6,025
2005-06-30 (YTD Data)		Rank
Total interest income	$2,204,000	5,446
Total interest expense	$781,000	4,848
Net interest income	$1,423,000	5,657
Provision for loan and lease losses	$240,000	1,839
Total noninterest income	$100,000	7,058
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$44,000	6,475
Trading account gains and fees	$0	116
Additional Noninterest Income	$56,000	6,224
Total noninterest expense	$767,000	6,846
Salaries and employee benefits	$365,000	7,158
Premises and equipment expense	$174,000	5,280
Additional noninterest expense	$228,000	6,796
Pre-tax net operating income	$516,000	5,412
Securities gains (losses)	$0	2,146
Applicable income taxes	$169,000	4,071
Income before extraordinary items	$347,000	5,804
Extraordinary gains, net	$0	30
Net income	$347,000	5,807
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	1,192
Cash dividends	$300,000	2,918
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$347,000	5,759
2005-03-31 (YTD Data)		Rank
Total interest income	$1,123,000	5,375
Total interest expense	$384,000	4,795
Net interest income	$739,000	5,575
Provision for loan and lease losses	$146,000	1,510
Total noninterest income	$51,000	7,038
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$22,000	6,479
Trading account gains and fees	$0	115
Additional Noninterest Income	$29,000	6,226
Total noninterest expense	$370,000	6,981
Salaries and employee benefits	$168,000	7,407
Premises and equipment expense	$85,000	5,390
Additional noninterest expense	$117,000	6,743
Pre-tax net operating income	$274,000	5,228
Securities gains (losses)	$0	1,685
Applicable income taxes	$90,000	3,936
Income before extraordinary items	$184,000	5,630
Extraordinary gains, net	$0	24
Net income	$184,000	5,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	972
Cash dividends	$150,000	2,522
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$184,000	5,585
2004-12-31 (YTD Data)		Rank
Total interest income	$3,884,000	5,639
Total interest expense	$1,375,000	4,746
Net interest income	$2,509,000	5,997
Provision for loan and lease losses	$400,000	2,359
Total noninterest income	$231,000	6,910
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$105,000	6,397
Trading account gains and fees	$0	138
Additional Noninterest Income	$126,000	6,018
Total noninterest expense	$1,506,000	6,874
Salaries and employee benefits	$729,000	7,180
Premises and equipment expense	$327,000	5,430
Additional noninterest expense	$450,000	6,838
Pre-tax net operating income	$834,000	5,690
Securities gains (losses)	$23,000	2,306
Applicable income taxes	$289,000	4,225
Income before extraordinary items	$568,000	6,077
Extraordinary gains, net	$0	34
Net income	$568,000	6,081
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$327,000	1,870
Cash dividends	$400,000	3,880
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$552,820	6,074
2004-09-30 (YTD Data)		Rank
Total interest income	$2,886,000	5,659
Total interest expense	$1,019,000	4,737
Net interest income	$1,867,000	6,030
Provision for loan and lease losses	$295,000	2,304
Total noninterest income	$169,000	6,980
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$78,000	6,466
Trading account gains and fees	$0	134
Additional Noninterest Income	$91,000	6,107
Total noninterest expense	$1,116,000	6,885
Salaries and employee benefits	$517,000	7,275
Premises and equipment expense	$251,000	5,329
Additional noninterest expense	$348,000	6,738
Pre-tax net operating income	$625,000	5,788
Securities gains (losses)	$23,000	2,216
Applicable income taxes	$219,000	4,308
Income before extraordinary items	$429,000	6,153
Extraordinary gains, net	$0	26
Net income	$429,000	6,153
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$238,000	1,682
Cash dividends	$300,000	3,420
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$413,820	6,169
2004-06-30 (YTD Data)		Rank
Total interest income	$1,932,000	5,657
Total interest expense	$676,000	4,769
Net interest income	$1,256,000	6,013
Provision for loan and lease losses	$171,000	2,503
Total noninterest income	$107,000	7,101
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$50,000	6,543
Trading account gains and fees	$0	130
Additional Noninterest Income	$57,000	6,220
Total noninterest expense	$760,000	6,856
Salaries and employee benefits	$361,000	7,220
Premises and equipment expense	$166,000	5,391
Additional noninterest expense	$233,000	6,748
Pre-tax net operating income	$432,000	5,677
Securities gains (losses)	$4,000	2,826
Applicable income taxes	$147,000	4,284
Income before extraordinary items	$289,000	6,114
Extraordinary gains, net	$0	21
Net income	$289,000	6,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	1,841
Cash dividends	$200,000	3,418
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$286,360	6,061
2004-03-31 (YTD Data)		Rank
Total interest income	$967,000	5,682
Total interest expense	$329,000	4,894
Net interest income	$638,000	5,942
Provision for loan and lease losses	$71,000	2,746
Total noninterest income	$39,000	7,637
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$17,000	7,025
Trading account gains and fees	$0	121
Additional Noninterest Income	$22,000	6,653
Total noninterest expense	$375,000	6,939
Salaries and employee benefits	$172,000	7,385
Premises and equipment expense	$83,000	5,402
Additional noninterest expense	$120,000	6,670
Pre-tax net operating income	$231,000	5,474
Securities gains (losses)	$0	2,934
Applicable income taxes	$78,000	4,184
Income before extraordinary items	$153,000	5,971
Extraordinary gains, net	$0	16
Net income	$153,000	5,971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	1,919
Cash dividends	$100,000	2,844
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$153,000	5,847
2003-12-31 (YTD Data)		Rank
Total interest income	$3,649,000	5,924
Total interest expense	$1,479,000	4,907
Net interest income	$2,170,000	6,345
Provision for loan and lease losses	$229,000	3,775
Total noninterest income	$249,000	6,957
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$61,000	7,249
Trading account gains and fees	$0	160
Additional Noninterest Income	$188,000	5,408
Total noninterest expense	$1,523,000	6,848
Salaries and employee benefits	$712,000	7,254
Premises and equipment expense	$352,000	5,142
Additional noninterest expense	$459,000	6,796
Pre-tax net operating income	$667,000	6,106
Securities gains (losses)	$66,000	2,265
Applicable income taxes	$261,000	4,493
Income before extraordinary items	$472,000	6,463
Extraordinary gains, net	$0	54
Net income	$472,000	6,468
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	3,078
Cash dividends	$400,000	3,891
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$429,760	6,508
2003-09-30 (YTD Data)		Rank
Total interest income	$2,708,000	6,015
Total interest expense	$1,145,000	4,948
Net interest income	$1,563,000	6,498
Provision for loan and lease losses	$149,000	3,948
Total noninterest income	$209,000	6,780
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$48,000	7,257
Trading account gains and fees	$0	153
Additional Noninterest Income	$161,000	5,199
Total noninterest expense	$1,111,000	6,918
Salaries and employee benefits	$507,000	7,360
Premises and equipment expense	$262,000	5,168
Additional noninterest expense	$342,000	6,781
Pre-tax net operating income	$512,000	6,233
Securities gains (losses)	$0	4,204
Applicable income taxes	$184,000	4,786
Income before extraordinary items	$328,000	6,781
Extraordinary gains, net	$0	40
Net income	$328,000	6,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	3,129
Cash dividends	$300,000	3,447
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$328,000	6,612
2003-06-30 (YTD Data)		Rank
Total interest income	$1,873,000	5,948
Total interest expense	$796,000	4,940
Net interest income	$1,077,000	6,419
Provision for loan and lease losses	$97,000	3,927
Total noninterest income	$137,000	6,812
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$32,000	7,257
Trading account gains and fees	$0	150
Additional Noninterest Income	$105,000	5,250
Total noninterest expense	$748,000	6,912
Salaries and employee benefits	$343,000	7,350
Premises and equipment expense	$178,000	5,081
Additional noninterest expense	$227,000	6,801
Pre-tax net operating income	$369,000	6,051
Securities gains (losses)	$0	3,782
Applicable income taxes	$133,000	4,688
Income before extraordinary items	$236,000	6,645
Extraordinary gains, net	$0	30
Net income	$236,000	6,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	2,900
Cash dividends	$200,000	3,438
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$236,000	6,436
2003-03-31 (YTD Data)		Rank
Total interest income	$959,000	5,907
Total interest expense	$411,000	4,954
Net interest income	$548,000	6,363
Provision for loan and lease losses	$84,000	2,689
Total noninterest income	$71,000	6,688
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$16,000	7,223
Trading account gains and fees	$0	134
Additional Noninterest Income	$55,000	5,085
Total noninterest expense	$362,000	7,033
Salaries and employee benefits	$167,000	7,447
Premises and equipment expense	$86,000	5,190
Additional noninterest expense	$109,000	6,915
Pre-tax net operating income	$173,000	6,189
Securities gains (losses)	$0	2,891
Applicable income taxes	$62,000	4,775
Income before extraordinary items	$111,000	6,699
Extraordinary gains, net	$0	21
Net income	$111,000	6,700
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	1,766
Cash dividends	$100,000	2,874
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$111,000	6,530
2002-12-31 (YTD Data)		Rank
Total interest income	$3,577,000	6,267
Total interest expense	$1,717,000	5,291
Net interest income	$1,860,000	6,849
Provision for loan and lease losses	$429,000	2,685
Total noninterest income	$379,000	5,907
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$60,000	7,347
Trading account gains and fees	$0	153
Additional Noninterest Income	$319,000	4,125
Total noninterest expense	$1,348,000	7,148
Salaries and employee benefits	$623,000	7,616
Premises and equipment expense	$347,000	5,120
Additional noninterest expense	$378,000	7,300
Pre-tax net operating income	$462,000	6,915
Securities gains (losses)	$0	4,537
Applicable income taxes	$167,000	5,366
Income before extraordinary items	$295,000	7,345
Extraordinary gains, net	$0	70
Net income	$295,000	7,344
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$335,000	2,201
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$295,000	7,246
2001-12-31 (YTD Data)		Rank
Total interest income	$3,022,000	7,239
Total interest expense	$1,801,000	6,412
Net interest income	$1,221,000	7,837
Provision for loan and lease losses	$146,000	4,852
Total noninterest income	$205,000	7,265
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$64,000	7,308
Trading account gains and fees	$0	177
Additional Noninterest Income	$141,000	5,661
Total noninterest expense	$1,229,000	7,388
Salaries and employee benefits	$544,000	7,958
Premises and equipment expense	$295,000	5,573
Additional noninterest expense	$390,000	7,226
Pre-tax net operating income	$51,000	8,543
Securities gains (losses)	$0	4,612
Applicable income taxes	$19,000	7,346
Income before extraordinary items	$32,000	8,687
Extraordinary gains, net	$0	105
Net income	$32,000	8,686
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,877
Cash dividends	$75,000	5,935
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$32,000	8,597
2000-12-31 (YTD Data)		Rank
Total interest income	$2,483,000	7,916
Total interest expense	$1,328,000	7,513
Net interest income	$1,155,000	8,178
Provision for loan and lease losses	$55,000	6,399
Total noninterest income	$96,000	8,646
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	7,444
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	8,238
Total noninterest expense	$823,000	8,505
Salaries and employee benefits	$411,000	8,688
Premises and equipment expense	$110,000	8,272
Additional noninterest expense	$302,000	7,928
Pre-tax net operating income	$373,000	7,588
Securities gains (losses)	$0	1,956
Applicable income taxes	$141,000	6,033
Income before extraordinary items	$232,000	7,885
Extraordinary gains, net	$0	38
Net income	$232,000	7,885
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,816
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$232,000	7,887
1999-12-31 (YTD Data)		Rank
Total interest income	$1,629,000	8,906
Total interest expense	$786,000	8,716
Net interest income	$843,000	8,976
Provision for loan and lease losses	$130,000	4,573
Total noninterest income	$57,000	9,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	8,273
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,007
Total noninterest expense	$729,000	8,948
Salaries and employee benefits	$375,000	9,030
Premises and equipment expense	$99,000	8,653
Additional noninterest expense	$255,000	8,516
Pre-tax net operating income	$41,000	9,267
Securities gains (losses)	$0	3,155
Applicable income taxes	$16,000	8,309
Income before extraordinary items	$25,000	9,346
Extraordinary gains, net	$0	35
Net income	$25,000	9,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,619
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$25,000	9,313
1998-12-31 (YTD Data)		Rank
Total interest income	$669,000	10,117
Total interest expense	$235,000	10,149
Net interest income	$434,000	10,032
Provision for loan and lease losses	$145,000	4,249
Total noninterest income	$18,000	10,229
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	8,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	10,056
Total noninterest expense	$551,000	9,610
Salaries and employee benefits	$273,000	9,765
Premises and equipment expense	$93,000	8,867
Additional noninterest expense	$185,000	9,288
Pre-tax net operating income	$-244,000	10,028
Securities gains (losses)	$0	4,449
Applicable income taxes	$-90,000	10,211
Income before extraordinary items	$-154,000	10,006
Extraordinary gains, net	$0	32
Net income	$-154,000	10,002
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-154,000	9,972
1997-12-31 (YTD Data)		Rank
Total interest income	$15,000	10,914
Total interest expense	$0	10,898
Net interest income	$15,000	10,910
Provision for loan and lease losses	$14,000	8,198
Total noninterest income	$0	10,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,861
Total noninterest expense	$113,000	10,884
Salaries and employee benefits	$55,000	10,878
Premises and equipment expense	$9,000	10,855
Additional noninterest expense	$49,000	10,830
Pre-tax net operating income	$-112,000	10,499
Securities gains (losses)	$0	3,944
Applicable income taxes	$-38,000	10,599
Income before extraordinary items	$-74,000	10,493
Extraordinary gains, net	$0	44
Net income	$-74,000	10,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$5,000,000	200
Net operating income	$-74,000	10,457

* 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.