Home > State Bank of Caledonia > Income and Expense
State Bank of Caledonia, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,962,000 | 2,384 |
| Total interest expense | $552,000 | 3,343 |
| Net interest income | $2,410,000 | 2,086 |
| Provision for loan and lease losses | $206,000 | 1,129 |
| Total noninterest income | $200,000 | 4,064 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $109,000 | 3,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $91,000 | 3,909 |
| Total noninterest expense | $1,139,000 | 3,384 |
| Salaries and employee benefits | $637,000 | 3,293 |
| Premises and equipment expense | $176,000 | 3,144 |
| Additional noninterest expense | $326,000 | 3,506 |
| Pre-tax net operating income | $1,265,000 | 1,645 |
| Securities gains (losses) | $-3,000 | 8,790 |
| Applicable income taxes | $442,000 | 1,434 |
| Income before extraordinary items | $820,000 | 1,910 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $820,000 | 1,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 1,157 |
| Cash dividends | $350,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $821,950 | 1,815 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,038,000 | 8,553 |
| Total interest expense | $259,000 | 8,582 |
| Net interest income | $779,000 | 8,443 |
| Provision for loan and lease losses | $43,000 | 6,469 |
| Total noninterest income | $95,000 | 8,361 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $43,000 | 7,535 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $52,000 | 7,508 |
| Total noninterest expense | $719,000 | 8,413 |
| Salaries and employee benefits | $262,000 | 8,864 |
| Premises and equipment expense | $50,000 | 8,765 |
| Additional noninterest expense | $407,000 | 7,115 |
| Pre-tax net operating income | $112,000 | 8,153 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $151,000 | 5,268 |
| Income before extraordinary items | $-39,000 | 8,681 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-39,000 | 8,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,484 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-39,000 | 8,598 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,022,000 | 2,159 |
| Total interest expense | $3,200,000 | 2,171 |
| Net interest income | $6,822,000 | 2,151 |
| Provision for loan and lease losses | $674,000 | 1,282 |
| Total noninterest income | $1,961,000 | 1,939 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $362,000 | 3,187 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,599,000 | 1,471 |
| Total noninterest expense | $4,749,000 | 2,482 |
| Salaries and employee benefits | $2,838,000 | 2,244 |
| Premises and equipment expense | $551,000 | 2,967 |
| Additional noninterest expense | $1,360,000 | 2,604 |
| Pre-tax net operating income | $3,360,000 | 1,860 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,121,000 | 1,690 |
| Income before extraordinary items | $2,239,000 | 2,105 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,239,000 | 2,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $692,000 | 906 |
| Cash dividends | $1,038,000 | 1,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,239,000 | 1,999 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,779,000 | 2,145 |
| Total interest expense | $2,198,000 | 2,174 |
| Net interest income | $4,581,000 | 2,127 |
| Provision for loan and lease losses | $298,000 | 1,882 |
| Total noninterest income | $1,441,000 | 1,775 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $242,000 | 3,149 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,199,000 | 1,336 |
| Total noninterest expense | $2,985,000 | 2,613 |
| Salaries and employee benefits | $1,933,000 | 2,193 |
| Premises and equipment expense | $380,000 | 2,893 |
| Additional noninterest expense | $672,000 | 3,361 |
| Pre-tax net operating income | $2,739,000 | 1,538 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $921,000 | 1,459 |
| Income before extraordinary items | $1,818,000 | 1,778 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,818,000 | 1,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,386 |
| Cash dividends | $828,000 | 1,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,818,000 | 1,660 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,372,000 | 2,178 |
| Total interest expense | $1,124,000 | 2,172 |
| Net interest income | $2,248,000 | 2,168 |
| Provision for loan and lease losses | $129,000 | 1,973 |
| Total noninterest income | $622,000 | 1,946 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $120,000 | 3,077 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $502,000 | 1,486 |
| Total noninterest expense | $1,469,000 | 2,641 |
| Salaries and employee benefits | $916,000 | 2,289 |
| Premises and equipment expense | $207,000 | 2,693 |
| Additional noninterest expense | $346,000 | 3,225 |
| Pre-tax net operating income | $1,272,000 | 1,648 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $430,000 | 1,540 |
| Income before extraordinary items | $842,000 | 1,881 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $842,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 1,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $842,000 | 1,775 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,178,000 | 2,167 |
| Total interest expense | $5,102,000 | 2,201 |
| Net interest income | $9,076,000 | 2,140 |
| Provision for loan and lease losses | $702,000 | 1,825 |
| Total noninterest income | $1,867,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $552,000 | 2,737 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,315,000 | 1,826 |
| Total noninterest expense | $5,508,000 | 2,682 |
| Salaries and employee benefits | $3,519,000 | 2,271 |
| Premises and equipment expense | $694,000 | 3,023 |
| Additional noninterest expense | $1,295,000 | 3,386 |
| Pre-tax net operating income | $4,733,000 | 1,724 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,599,000 | 1,569 |
| Income before extraordinary items | $3,134,000 | 1,914 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,134,000 | 1,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $514,000 | 1,623 |
| Cash dividends | $630,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,134,000 | 1,855 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,366,000 | 2,387 |
| Total interest expense | $5,969,000 | 2,679 |
| Net interest income | $8,397,000 | 2,124 |
| Provision for loan and lease losses | $248,000 | 3,649 |
| Total noninterest income | $1,558,000 | 2,443 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $620,000 | 2,371 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $938,000 | 2,141 |
| Total noninterest expense | $5,413,000 | 2,612 |
| Salaries and employee benefits | $3,237,000 | 2,316 |
| Premises and equipment expense | $787,000 | 2,671 |
| Additional noninterest expense | $1,389,000 | 3,075 |
| Pre-tax net operating income | $4,294,000 | 1,654 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,455,000 | 1,528 |
| Income before extraordinary items | $2,839,000 | 1,855 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,839,000 | 1,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,263 |
| Cash dividends | $1,100,000 | 2,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,839,000 | 1,785 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,827,000 | 2,523 |
| Total interest expense | $6,573,000 | 2,549 |
| Net interest income | $7,254,000 | 2,448 |
| Provision for loan and lease losses | $364,000 | 2,465 |
| Total noninterest income | $1,075,000 | 2,983 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $495,000 | 2,720 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $580,000 | 2,682 |
| Total noninterest expense | $4,770,000 | 2,843 |
| Salaries and employee benefits | $2,721,000 | 2,616 |
| Premises and equipment expense | $762,000 | 2,690 |
| Additional noninterest expense | $1,287,000 | 3,207 |
| Pre-tax net operating income | $3,195,000 | 2,261 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,000,000 | 2,120 |
| Income before extraordinary items | $2,195,000 | 2,335 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,195,000 | 2,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,507 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,195,000 | 2,346 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,522,000 | 3,068 |
| Total interest expense | $4,261,000 | 3,401 |
| Net interest income | $6,261,000 | 2,807 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $849,000 | 3,481 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $422,000 | 3,077 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $427,000 | 3,271 |
| Total noninterest expense | $4,364,000 | 3,059 |
| Salaries and employee benefits | $2,429,000 | 2,881 |
| Premises and equipment expense | $771,000 | 2,632 |
| Additional noninterest expense | $1,164,000 | 3,533 |
| Pre-tax net operating income | $2,626,000 | 2,693 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $925,000 | 2,339 |
| Income before extraordinary items | $1,701,000 | 2,933 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,701,000 | 2,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-122,000 | 10,070 |
| Cash dividends | $452,000 | 3,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,701,000 | 2,906 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,887,000 | 3,572 |
| Total interest expense | $3,531,000 | 4,097 |
| Net interest income | $5,356,000 | 3,203 |
| Provision for loan and lease losses | $182,000 | 3,709 |
| Total noninterest income | $866,000 | 3,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $391,000 | 3,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $475,000 | 3,072 |
| Total noninterest expense | $4,021,000 | 3,184 |
| Salaries and employee benefits | $2,234,000 | 3,008 |
| Premises and equipment expense | $695,000 | 2,783 |
| Additional noninterest expense | $1,092,000 | 3,646 |
| Pre-tax net operating income | $2,019,000 | 3,320 |
| Securities gains (losses) | $70,000 | 1,509 |
| Applicable income taxes | $706,000 | 3,006 |
| Income before extraordinary items | $1,383,000 | 3,478 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,383,000 | 3,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,386 |
| Cash dividends | $432,000 | 3,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,336,800 | 3,490 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,173,000 | 4,409 |
| Total interest expense | $2,800,000 | 4,984 |
| Net interest income | $4,373,000 | 3,907 |
| Provision for loan and lease losses | $-70,000 | 10,744 |
| Total noninterest income | $562,000 | 4,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 3,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,505 |
| Total noninterest expense | $3,436,000 | 3,663 |
| Salaries and employee benefits | $1,954,000 | 3,388 |
| Premises and equipment expense | $627,000 | 3,027 |
| Additional noninterest expense | $855,000 | 4,501 |
| Pre-tax net operating income | $1,569,000 | 4,316 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $519,000 | 4,103 |
| Income before extraordinary items | $1,050,000 | 4,519 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,050,000 | 4,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,561 |
| Cash dividends | $352,000 | 4,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,050,000 | 4,465 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,478,000 | 4,296 |
| Total interest expense | $3,202,000 | 4,516 |
| Net interest income | $4,276,000 | 4,058 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $541,000 | 4,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,652 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,485 |
| Total noninterest expense | $3,391,000 | 3,896 |
| Salaries and employee benefits | $1,738,000 | 3,786 |
| Premises and equipment expense | $676,000 | 2,894 |
| Additional noninterest expense | $977,000 | 4,494 |
| Pre-tax net operating income | $1,356,000 | 4,694 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $449,000 | 4,511 |
| Income before extraordinary items | $907,000 | 4,845 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $907,000 | 4,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 1,774 |
| Cash dividends | $352,000 | 4,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $907,000 | 4,787 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,106,000 | 3,963 |
| Total interest expense | $3,520,000 | 4,133 |
| Net interest income | $4,586,000 | 3,838 |
| Provision for loan and lease losses | $1,745,000 | 634 |
| Total noninterest income | $482,000 | 5,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $368,000 | 3,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,804 |
| Total noninterest expense | $3,331,000 | 3,923 |
| Salaries and employee benefits | $1,577,000 | 4,101 |
| Premises and equipment expense | $656,000 | 2,982 |
| Additional noninterest expense | $1,098,000 | 4,030 |
| Pre-tax net operating income | $-8,000 | 11,507 |
| Securities gains (losses) | $106,000 | 928 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $98,000 | 10,948 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $98,000 | 10,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,210,000 | 780 |
| Cash dividends | $224,000 | 5,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-8,000 | 11,486 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,897,000 | 3,793 |
| Total interest expense | $2,882,000 | 4,103 |
| Net interest income | $5,015,000 | 3,556 |
| Provision for loan and lease losses | $2,279,000 | 525 |
| Total noninterest income | $567,000 | 4,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $429,000 | 3,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,471 |
| Total noninterest expense | $3,183,000 | 4,192 |
| Salaries and employee benefits | $1,443,000 | 4,432 |
| Premises and equipment expense | $654,000 | 3,007 |
| Additional noninterest expense | $1,086,000 | 4,400 |
| Pre-tax net operating income | $120,000 | 11,498 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $9,000 | 11,400 |
| Income before extraordinary items | $113,000 | 11,240 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $113,000 | 11,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,929,000 | 566 |
| Cash dividends | $480,000 | 3,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $111,140 | 11,311 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,517,000 | 4,038 |
| Total interest expense | $3,061,000 | 4,049 |
| Net interest income | $4,456,000 | 3,983 |
| Provision for loan and lease losses | $467,000 | 2,203 |
| Total noninterest income | $605,000 | 4,930 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,700 |
| Total noninterest expense | $2,906,000 | 4,647 |
| Salaries and employee benefits | $1,477,000 | 4,333 |
| Premises and equipment expense | $596,000 | 3,354 |
| Additional noninterest expense | $833,000 | 5,734 |
| Pre-tax net operating income | $1,688,000 | 3,901 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $536,000 | 3,943 |
| Income before extraordinary items | $1,152,000 | 4,169 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,152,000 | 4,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,863 |
| Cash dividends | $480,000 | 3,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,152,000 | 3,963 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,742,000 | 4,416 |
| Total interest expense | $3,267,000 | 4,821 |
| Net interest income | $4,475,000 | 4,024 |
| Provision for loan and lease losses | $300,000 | 4,111 |
| Total noninterest income | $502,000 | 5,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $364,000 | 3,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,940 |
| Total noninterest expense | $2,729,000 | 4,928 |
| Salaries and employee benefits | $1,395,000 | 4,518 |
| Premises and equipment expense | $519,000 | 3,841 |
| Additional noninterest expense | $815,000 | 5,971 |
| Pre-tax net operating income | $1,948,000 | 3,175 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $638,000 | 3,266 |
| Income before extraordinary items | $1,312,000 | 3,489 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,312,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 3,828 |
| Cash dividends | $480,000 | 2,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,310,660 | 3,246 |
* 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.