Star Financial Bank, New Castle, Indiana, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$11,819,0002,787
Total interest expense$5,601,0002,705
Net interest income$6,218,0002,857
Provision for loan and lease losses$480,0001,787
Total noninterest income$1,257,0002,597
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$648,0002,086
Trading account gains and fees$0262
Additional Noninterest Income$609,0002,546
Total noninterest expense$4,636,0002,935
Salaries and employee benefits$1,639,0003,982
Premises and equipment expense$804,0002,443
Additional noninterest expense$2,193,0002,257
Pre-tax net operating income$2,359,0002,955
Securities gains (losses)$4,0003,123
Applicable income taxes$814,0002,802
Income before extraordinary items$1,549,0003,101
Extraordinary gains, net$053
Net income$1,549,0003,103
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$310,0002,029
Cash dividends$558,0003,186
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,546,3603,066
1995-12-31 (YTD Data)Rank
Total interest income$10,484,0003,166
Total interest expense$5,024,0003,018
Net interest income$5,460,0003,253
Provision for loan and lease losses$362,0002,000
Total noninterest income$1,052,0002,985
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$606,0002,245
Trading account gains and fees$0522
Additional Noninterest Income$446,0003,091
Total noninterest expense$4,414,0003,042
Salaries and employee benefits$1,699,0003,828
Premises and equipment expense$803,0002,467
Additional noninterest expense$1,912,0002,499
Pre-tax net operating income$1,736,0003,965
Securities gains (losses)$03,831
Applicable income taxes$562,0003,834
Income before extraordinary items$1,174,0004,033
Extraordinary gains, net$065
Net income$1,174,0004,031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$238,0002,244
Cash dividends$414,0003,770
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,174,0004,010
1994-12-31 (YTD Data)Rank
Total interest income$8,563,0003,499
Total interest expense$3,338,0003,586
Net interest income$5,225,0003,425
Provision for loan and lease losses$467,0001,630
Total noninterest income$1,031,0003,043
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$548,0002,490
Trading account gains and fees$0475
Additional Noninterest Income$483,0003,014
Total noninterest expense$4,541,0003,031
Salaries and employee benefits$1,732,0003,767
Premises and equipment expense$823,0002,467
Additional noninterest expense$1,986,0002,594
Pre-tax net operating income$1,248,0005,089
Securities gains (losses)$03,600
Applicable income taxes$434,0004,494
Income before extraordinary items$814,0005,292
Extraordinary gains, net$0249
Net income$814,0005,302
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$329,0001,801
Cash dividends$529,0003,066
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$814,0005,353
1993-12-31 (YTD Data)Rank
Total interest income$8,376,0003,654
Total interest expense$3,162,0003,942
Net interest income$5,214,0003,432
Provision for loan and lease losses$569,0001,933
Total noninterest income$1,019,0003,291
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$551,0002,519
Trading account gains and fees$0532
Additional Noninterest Income$468,0003,399
Total noninterest expense$4,412,0003,181
Salaries and employee benefits$1,576,0004,089
Premises and equipment expense$800,0002,555
Additional noninterest expense$2,036,0002,691
Pre-tax net operating income$1,252,0005,024
Securities gains (losses)$07,477
Applicable income taxes$413,0004,893
Income before extraordinary items$839,0005,364
Extraordinary gains, net$62,0002,002
Net income$901,0005,244
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$397,0002,060
Cash dividends$143,0006,223
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$839,0005,133
1992-12-31 (YTD Data)Rank
Total interest income$8,883,0003,901
Total interest expense$3,777,0004,267
Net interest income$5,106,0003,562
Provision for loan and lease losses$645,0002,503
Total noninterest income$1,107,0003,050
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$584,0002,362
Trading account gains and fees$0504
Additional Noninterest Income$523,0003,093
Total noninterest expense$4,514,0003,151
Salaries and employee benefits$1,670,0003,841
Premises and equipment expense$808,0002,570
Additional noninterest expense$2,036,0002,760
Pre-tax net operating income$1,054,0005,426
Securities gains (losses)$08,369
Applicable income taxes$405,0004,744
Income before extraordinary items$649,0006,237
Extraordinary gains, net$01,422
Net income$649,0006,308
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$502,0002,458
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$649,0005,883

* 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.