Home > Pinnacle State Bank > Income and Expense
Pinnacle State Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,743,000 | 5,980 |
| Total interest expense | $313,000 | 8,178 |
| Net interest income | $2,430,000 | 5,066 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,015,000 | 3,105 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $937,000 | 1,393 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,505 |
| Total noninterest expense | $1,889,000 | 5,172 |
| Salaries and employee benefits | $896,000 | 5,611 |
| Premises and equipment expense | $282,000 | 4,933 |
| Additional noninterest expense | $711,000 | 4,425 |
| Pre-tax net operating income | $1,556,000 | 3,447 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $535,000 | 2,913 |
| Income before extraordinary items | $1,029,000 | 3,914 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,029,000 | 3,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $780,000 | 2,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,023,720 | 3,767 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,846,000 | 5,991 |
| Total interest expense | $218,000 | 8,215 |
| Net interest income | $1,628,000 | 5,046 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $644,000 | 3,188 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $587,000 | 1,459 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $57,000 | 6,331 |
| Total noninterest expense | $1,264,000 | 5,157 |
| Salaries and employee benefits | $593,000 | 5,655 |
| Premises and equipment expense | $186,000 | 4,936 |
| Additional noninterest expense | $485,000 | 4,347 |
| Pre-tax net operating income | $1,008,000 | 3,503 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $319,000 | 3,122 |
| Income before extraordinary items | $689,000 | 3,908 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $689,000 | 3,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $301,000 | 2,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $689,000 | 3,723 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $919,000 | 6,033 |
| Total interest expense | $117,000 | 8,214 |
| Net interest income | $802,000 | 5,087 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $317,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $285,000 | 1,460 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $618,000 | 5,242 |
| Salaries and employee benefits | $292,000 | 5,706 |
| Premises and equipment expense | $95,000 | 4,865 |
| Additional noninterest expense | $231,000 | 4,485 |
| Pre-tax net operating income | $501,000 | 3,483 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $150,000 | 3,221 |
| Income before extraordinary items | $351,000 | 3,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $351,000 | 3,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $351,000 | 3,614 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,679,000 | 6,174 |
| Total interest expense | $608,000 | 8,061 |
| Net interest income | $3,071,000 | 5,211 |
| Provision for loan and lease losses | $100,000 | 5,681 |
| Total noninterest income | $1,154,000 | 3,152 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,049,000 | 1,538 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $105,000 | 6,345 |
| Total noninterest expense | $2,455,000 | 5,145 |
| Salaries and employee benefits | $1,148,000 | 5,642 |
| Premises and equipment expense | $351,000 | 5,085 |
| Additional noninterest expense | $956,000 | 4,326 |
| Pre-tax net operating income | $1,670,000 | 3,827 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $546,000 | 3,284 |
| Income before extraordinary items | $1,124,000 | 4,267 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,124,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,321 |
| Cash dividends | $948,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,124,000 | 4,156 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,887,000 | 6,445 |
| Total interest expense | $1,049,000 | 7,929 |
| Net interest income | $2,838,000 | 5,278 |
| Provision for loan and lease losses | $85,000 | 5,898 |
| Total noninterest income | $970,000 | 3,420 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $830,000 | 1,841 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $140,000 | 5,673 |
| Total noninterest expense | $2,299,000 | 5,247 |
| Salaries and employee benefits | $1,091,000 | 5,674 |
| Premises and equipment expense | $311,000 | 5,411 |
| Additional noninterest expense | $897,000 | 4,420 |
| Pre-tax net operating income | $1,424,000 | 3,996 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $498,000 | 3,335 |
| Income before extraordinary items | $926,000 | 4,483 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $926,000 | 4,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,784 |
| Cash dividends | $850,000 | 2,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $926,000 | 4,372 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 6,426 |
| Total interest expense | $1,321,000 | 7,536 |
| Net interest income | $2,759,000 | 5,453 |
| Provision for loan and lease losses | $160,000 | 4,252 |
| Total noninterest income | $683,000 | 4,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $614,000 | 2,243 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,208 |
| Total noninterest expense | $1,989,000 | 5,699 |
| Salaries and employee benefits | $1,012,000 | 5,865 |
| Premises and equipment expense | $288,000 | 5,554 |
| Additional noninterest expense | $689,000 | 5,232 |
| Pre-tax net operating income | $1,293,000 | 4,516 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $412,000 | 3,930 |
| Income before extraordinary items | $881,000 | 4,743 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $881,000 | 4,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,361 |
| Cash dividends | $185,000 | 5,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $881,000 | 4,747 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,492,000 | 6,834 |
| Total interest expense | $935,000 | 8,351 |
| Net interest income | $2,557,000 | 5,721 |
| Provision for loan and lease losses | $224,000 | 3,326 |
| Total noninterest income | $493,000 | 4,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $421,000 | 3,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,365 |
| Total noninterest expense | $1,873,000 | 5,927 |
| Salaries and employee benefits | $975,000 | 5,989 |
| Premises and equipment expense | $266,000 | 5,851 |
| Additional noninterest expense | $632,000 | 5,632 |
| Pre-tax net operating income | $953,000 | 5,447 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $242,000 | 5,293 |
| Income before extraordinary items | $711,000 | 5,409 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $711,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $185,000 | 5,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $711,000 | 5,380 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,336,000 | 7,134 |
| Total interest expense | $1,024,000 | 8,354 |
| Net interest income | $2,312,000 | 6,113 |
| Provision for loan and lease losses | $93,000 | 5,273 |
| Total noninterest income | $251,000 | 6,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 7,447 |
| Total noninterest expense | $1,730,000 | 6,162 |
| Salaries and employee benefits | $952,000 | 5,975 |
| Premises and equipment expense | $270,000 | 5,701 |
| Additional noninterest expense | $508,000 | 6,372 |
| Pre-tax net operating income | $740,000 | 6,339 |
| Securities gains (losses) | $-5,000 | 10,072 |
| Applicable income taxes | $263,000 | 5,514 |
| Income before extraordinary items | $472,000 | 6,773 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $472,000 | 6,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $185,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $475,200 | 6,649 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,960,000 | 7,806 |
| Total interest expense | $1,028,000 | 8,604 |
| Net interest income | $1,932,000 | 7,058 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $257,000 | 7,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,220 |
| Total noninterest expense | $1,592,000 | 6,552 |
| Salaries and employee benefits | $858,000 | 6,502 |
| Premises and equipment expense | $243,000 | 6,164 |
| Additional noninterest expense | $491,000 | 6,578 |
| Pre-tax net operating income | $487,000 | 7,990 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $157,000 | 7,502 |
| Income before extraordinary items | $330,000 | 8,153 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $330,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,539 |
| Cash dividends | $185,000 | 5,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $330,000 | 8,102 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,614,000 | 8,545 |
| Total interest expense | $919,000 | 9,270 |
| Net interest income | $1,695,000 | 7,788 |
| Provision for loan and lease losses | $32,000 | 7,338 |
| Total noninterest income | $231,000 | 7,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,747 |
| Total noninterest expense | $1,562,000 | 6,940 |
| Salaries and employee benefits | $833,000 | 6,814 |
| Premises and equipment expense | $254,000 | 6,196 |
| Additional noninterest expense | $475,000 | 7,250 |
| Pre-tax net operating income | $332,000 | 8,909 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $99,000 | 8,762 |
| Income before extraordinary items | $238,000 | 8,930 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $238,000 | 8,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,098 |
| Cash dividends | $185,000 | 5,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $234,450 | 8,909 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,465,000 | 9,025 |
| Total interest expense | $888,000 | 9,665 |
| Net interest income | $1,577,000 | 8,315 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $212,000 | 8,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,088 |
| Total noninterest expense | $1,381,000 | 7,643 |
| Salaries and employee benefits | $752,000 | 7,386 |
| Premises and equipment expense | $193,000 | 7,333 |
| Additional noninterest expense | $436,000 | 7,846 |
| Pre-tax net operating income | $408,000 | 9,017 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $133,000 | 8,562 |
| Income before extraordinary items | $270,000 | 9,225 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $270,000 | 9,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,925 |
| Cash dividends | $185,000 | 5,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $273,350 | 9,165 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,536,000 | 8,845 |
| Total interest expense | $756,000 | 9,804 |
| Net interest income | $1,780,000 | 8,093 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $199,000 | 8,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,035 |
| Total noninterest expense | $1,485,000 | 7,646 |
| Salaries and employee benefits | $860,000 | 6,875 |
| Premises and equipment expense | $221,000 | 7,040 |
| Additional noninterest expense | $404,000 | 8,791 |
| Pre-tax net operating income | $494,000 | 8,695 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $173,000 | 7,862 |
| Income before extraordinary items | $328,000 | 8,844 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $328,000 | 8,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $187,000 | 5,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $323,450 | 8,945 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,705,000 | 8,822 |
| Total interest expense | $821,000 | 9,927 |
| Net interest income | $1,884,000 | 7,999 |
| Provision for loan and lease losses | $231,000 | 3,607 |
| Total noninterest income | $177,000 | 9,661 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 7,418 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $1,602,000 | 7,500 |
| Salaries and employee benefits | $960,000 | 6,354 |
| Premises and equipment expense | $280,000 | 6,181 |
| Additional noninterest expense | $362,000 | 9,699 |
| Pre-tax net operating income | $228,000 | 10,802 |
| Securities gains (losses) | $171,000 | 1,854 |
| Applicable income taxes | $122,000 | 9,263 |
| Income before extraordinary items | $277,000 | 9,730 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $277,000 | 9,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 3,065 |
| Cash dividends | $181,000 | 5,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $159,010 | 10,888 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,963,000 | 9,060 |
| Total interest expense | $1,067,000 | 10,108 |
| Net interest income | $1,896,000 | 8,055 |
| Provision for loan and lease losses | $229,000 | 4,869 |
| Total noninterest income | $170,000 | 10,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $1,347,000 | 8,491 |
| Salaries and employee benefits | $739,000 | 7,691 |
| Premises and equipment expense | $212,000 | 7,581 |
| Additional noninterest expense | $396,000 | 9,601 |
| Pre-tax net operating income | $490,000 | 8,476 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $104,000 | 9,806 |
| Income before extraordinary items | $398,000 | 8,243 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $398,000 | 8,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 3,869 |
| Cash dividends | $244,000 | 4,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $388,520 | 7,978 |
* 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.