Home > State Bank of Loretto > Income and Expense
State Bank of Loretto, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,258,000 | 4,004 |
| Total interest expense | $1,093,000 | 3,326 |
| Net interest income | $2,165,000 | 4,237 |
| Provision for loan and lease losses | $406,000 | 1,214 |
| Total noninterest income | $138,000 | 6,641 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $98,000 | 5,306 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $40,000 | 6,793 |
| Total noninterest expense | $1,534,000 | 4,592 |
| Salaries and employee benefits | $827,000 | 4,596 |
| Premises and equipment expense | $152,000 | 5,624 |
| Additional noninterest expense | $555,000 | 3,984 |
| Pre-tax net operating income | $363,000 | 6,100 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $8,000 | 6,728 |
| Income before extraordinary items | $355,000 | 5,627 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $355,000 | 5,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $435,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $355,000 | 5,541 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,709,000 | 3,859 |
| Total interest expense | $573,000 | 3,234 |
| Net interest income | $1,136,000 | 4,077 |
| Provision for loan and lease losses | $406,000 | 612 |
| Total noninterest income | $66,000 | 6,695 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $47,000 | 5,338 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $837,000 | 4,343 |
| Salaries and employee benefits | $407,000 | 4,672 |
| Premises and equipment expense | $72,000 | 5,806 |
| Additional noninterest expense | $358,000 | 3,224 |
| Pre-tax net operating income | $-41,000 | 8,707 |
| Securities gains (losses) | $-1,000 | 8,686 |
| Applicable income taxes | $1,000 | 6,972 |
| Income before extraordinary items | $-43,000 | 8,748 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-43,000 | 8,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $304,000 | 1,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-42,000 | 8,708 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,457,000 | 3,622 |
| Total interest expense | $2,618,000 | 3,230 |
| Net interest income | $4,839,000 | 3,765 |
| Provision for loan and lease losses | $499,000 | 2,176 |
| Total noninterest income | $309,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $235,000 | 4,893 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $74,000 | 6,997 |
| Total noninterest expense | $2,034,000 | 5,946 |
| Salaries and employee benefits | $1,057,000 | 6,063 |
| Premises and equipment expense | $257,000 | 6,101 |
| Additional noninterest expense | $720,000 | 5,413 |
| Pre-tax net operating income | $2,615,000 | 2,788 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $18,000 | 6,842 |
| Income before extraordinary items | $2,597,000 | 2,296 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,597,000 | 2,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,670 |
| Cash dividends | $1,558,000 | 1,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,597,000 | 2,198 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,742,000 | 3,602 |
| Total interest expense | $1,994,000 | 3,298 |
| Net interest income | $3,748,000 | 3,700 |
| Provision for loan and lease losses | $292,000 | 2,566 |
| Total noninterest income | $243,000 | 6,482 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $189,000 | 4,763 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $54,000 | 7,104 |
| Total noninterest expense | $1,515,000 | 5,948 |
| Salaries and employee benefits | $878,000 | 5,690 |
| Premises and equipment expense | $202,000 | 5,983 |
| Additional noninterest expense | $435,000 | 6,098 |
| Pre-tax net operating income | $2,184,000 | 2,666 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $13,000 | 6,978 |
| Income before extraordinary items | $2,171,000 | 2,164 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,171,000 | 2,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,833 |
| Cash dividends | $1,382,000 | 1,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,171,000 | 2,055 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,819,000 | 3,637 |
| Total interest expense | $1,322,000 | 3,396 |
| Net interest income | $2,497,000 | 3,698 |
| Provision for loan and lease losses | $282,000 | 1,941 |
| Total noninterest income | $167,000 | 6,389 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $129,000 | 4,672 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $38,000 | 7,030 |
| Total noninterest expense | $925,000 | 6,236 |
| Salaries and employee benefits | $523,000 | 6,096 |
| Premises and equipment expense | $124,000 | 6,178 |
| Additional noninterest expense | $278,000 | 6,207 |
| Pre-tax net operating income | $1,457,000 | 2,661 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $9,000 | 7,001 |
| Income before extraordinary items | $1,448,000 | 2,174 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,448,000 | 2,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $964,000 | 1,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,448,000 | 2,055 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,850,000 | 3,742 |
| Total interest expense | $643,000 | 3,551 |
| Net interest income | $1,207,000 | 3,802 |
| Provision for loan and lease losses | $173,000 | 1,530 |
| Total noninterest income | $90,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $68,000 | 4,446 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 6,771 |
| Total noninterest expense | $330,000 | 7,285 |
| Salaries and employee benefits | $171,000 | 7,386 |
| Premises and equipment expense | $53,000 | 6,622 |
| Additional noninterest expense | $106,000 | 7,009 |
| Pre-tax net operating income | $794,000 | 2,489 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $4,000 | 6,977 |
| Income before extraordinary items | $790,000 | 1,992 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $790,000 | 1,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $659,000 | 968 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $790,000 | 1,876 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,502,000 | 4,303 |
| Total interest expense | $2,491,000 | 4,112 |
| Net interest income | $4,011,000 | 4,340 |
| Provision for loan and lease losses | $126,000 | 5,255 |
| Total noninterest income | $398,000 | 5,793 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $251,000 | 4,679 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $147,000 | 5,641 |
| Total noninterest expense | $2,367,000 | 5,272 |
| Salaries and employee benefits | $1,669,000 | 4,323 |
| Premises and equipment expense | $225,000 | 6,455 |
| Additional noninterest expense | $473,000 | 6,661 |
| Pre-tax net operating income | $1,916,000 | 3,531 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $33,000 | 6,789 |
| Income before extraordinary items | $1,883,000 | 2,943 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,883,000 | 2,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $943,000 | 2,368 |
| Sale, conversion, retirement of capital stock, net | $1,061,000 | 367 |
| Net operating income | $1,883,000 | 2,845 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,991,000 | 4,967 |
| Total interest expense | $3,020,000 | 4,706 |
| Net interest income | $2,971,000 | 5,114 |
| Provision for loan and lease losses | $122,000 | 5,165 |
| Total noninterest income | $325,000 | 6,202 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $223,000 | 4,903 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $102,000 | 6,397 |
| Total noninterest expense | $1,857,000 | 6,011 |
| Salaries and employee benefits | $1,236,000 | 5,204 |
| Premises and equipment expense | $186,000 | 6,985 |
| Additional noninterest expense | $435,000 | 6,892 |
| Pre-tax net operating income | $1,317,000 | 4,185 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $202,000 | 5,017 |
| Income before extraordinary items | $1,114,000 | 3,999 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,114,000 | 4,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,506 |
| Cash dividends | $462,000 | 3,607 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 404 |
| Net operating income | $1,114,850 | 3,875 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,251,000 | 5,568 |
| Total interest expense | $2,787,000 | 5,198 |
| Net interest income | $2,464,000 | 5,868 |
| Provision for loan and lease losses | $264,000 | 3,126 |
| Total noninterest income | $284,000 | 6,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,711 |
| Total noninterest expense | $1,490,000 | 6,776 |
| Salaries and employee benefits | $988,000 | 5,960 |
| Premises and equipment expense | $215,000 | 6,536 |
| Additional noninterest expense | $287,000 | 8,047 |
| Pre-tax net operating income | $994,000 | 5,269 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $438,000 | 3,792 |
| Income before extraordinary items | $556,000 | 6,053 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $556,000 | 6,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,874 |
| Cash dividends | $5,000 | 6,806 |
| Sale, conversion, retirement of capital stock, net | $-401,000 | 9,826 |
| Net operating income | $556,000 | 6,059 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,433,000 | 6,900 |
| Total interest expense | $1,598,000 | 6,732 |
| Net interest income | $1,835,000 | 6,942 |
| Provision for loan and lease losses | $124,000 | 4,675 |
| Total noninterest income | $219,000 | 7,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 5,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,430 |
| Total noninterest expense | $1,182,000 | 7,612 |
| Salaries and employee benefits | $652,000 | 7,480 |
| Premises and equipment expense | $222,000 | 6,470 |
| Additional noninterest expense | $308,000 | 8,056 |
| Pre-tax net operating income | $748,000 | 6,133 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $277,000 | 4,990 |
| Income before extraordinary items | $471,000 | 6,593 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $471,000 | 6,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $5,000 | 7,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $471,000 | 6,565 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 7,718 |
| Total interest expense | $1,303,000 | 7,663 |
| Net interest income | $1,537,000 | 7,603 |
| Provision for loan and lease losses | $105,000 | 5,006 |
| Total noninterest income | $249,000 | 7,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 5,914 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 6,682 |
| Total noninterest expense | $1,154,000 | 7,667 |
| Salaries and employee benefits | $629,000 | 7,596 |
| Premises and equipment expense | $219,000 | 6,441 |
| Additional noninterest expense | $306,000 | 8,065 |
| Pre-tax net operating income | $527,000 | 7,237 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $217,000 | 5,993 |
| Income before extraordinary items | $310,000 | 7,804 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $310,000 | 7,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,085 |
| Cash dividends | $5,000 | 7,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $310,000 | 7,722 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,406,000 | 8,501 |
| Total interest expense | $1,048,000 | 8,560 |
| Net interest income | $1,358,000 | 8,333 |
| Provision for loan and lease losses | $85,000 | 5,536 |
| Total noninterest income | $248,000 | 7,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,074 |
| Total noninterest expense | $1,107,000 | 7,980 |
| Salaries and employee benefits | $657,000 | 7,564 |
| Premises and equipment expense | $198,000 | 6,892 |
| Additional noninterest expense | $252,000 | 8,826 |
| Pre-tax net operating income | $414,000 | 8,367 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $129,000 | 7,928 |
| Income before extraordinary items | $285,000 | 8,495 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $285,000 | 8,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,261 |
| Cash dividends | $3,000 | 7,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $285,000 | 8,457 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,085,000 | 9,270 |
| Total interest expense | $942,000 | 9,203 |
| Net interest income | $1,143,000 | 9,169 |
| Provision for loan and lease losses | $221,000 | 3,191 |
| Total noninterest income | $366,000 | 6,254 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 5,022 |
| Total noninterest expense | $1,093,000 | 8,353 |
| Salaries and employee benefits | $640,000 | 7,896 |
| Premises and equipment expense | $207,000 | 6,906 |
| Additional noninterest expense | $246,000 | 9,438 |
| Pre-tax net operating income | $195,000 | 9,815 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $77,000 | 9,213 |
| Income before extraordinary items | $118,000 | 10,064 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $118,000 | 10,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,581 |
| Cash dividends | $5,000 | 8,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $118,000 | 10,014 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,008,000 | 9,710 |
| Total interest expense | $876,000 | 9,713 |
| Net interest income | $1,132,000 | 9,532 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $230,000 | 8,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 6,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,639 |
| Total noninterest expense | $1,022,000 | 8,848 |
| Salaries and employee benefits | $556,000 | 8,677 |
| Premises and equipment expense | $196,000 | 7,269 |
| Additional noninterest expense | $270,000 | 9,600 |
| Pre-tax net operating income | $310,000 | 9,668 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $93,000 | 9,312 |
| Income before extraordinary items | $217,000 | 9,749 |
| Extraordinary gains, net | $55,000 | 35 |
| Net income | $272,000 | 9,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $5,000 | 8,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $217,000 | 9,722 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,707,000 | 10,341 |
| Total interest expense | $719,000 | 9,998 |
| Net interest income | $988,000 | 10,428 |
| Provision for loan and lease losses | $29,000 | 7,250 |
| Total noninterest income | $211,000 | 8,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,362 |
| Total noninterest expense | $903,000 | 9,764 |
| Salaries and employee benefits | $515,000 | 9,254 |
| Premises and equipment expense | $152,000 | 8,497 |
| Additional noninterest expense | $236,000 | 10,698 |
| Pre-tax net operating income | $267,000 | 10,361 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $74,000 | 9,948 |
| Income before extraordinary items | $203,000 | 10,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $203,000 | 10,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $2,000 | 8,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $195,700 | 10,374 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,575,000 | 11,049 |
| Total interest expense | $648,000 | 10,886 |
| Net interest income | $927,000 | 11,049 |
| Provision for loan and lease losses | $56,000 | 7,224 |
| Total noninterest income | $237,000 | 8,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 7,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 8,002 |
| Total noninterest expense | $896,000 | 10,208 |
| Salaries and employee benefits | $506,000 | 9,610 |
| Premises and equipment expense | $151,000 | 8,878 |
| Additional noninterest expense | $239,000 | 11,210 |
| Pre-tax net operating income | $212,000 | 10,938 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $86,000 | 10,077 |
| Income before extraordinary items | $126,000 | 11,503 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $126,000 | 11,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $2,000 | 9,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $126,000 | 11,282 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 11,513 |
| Total interest expense | $789,000 | 11,386 |
| Net interest income | $914,000 | 11,453 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $209,000 | 9,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 7,877 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $844,000 | 10,790 |
| Salaries and employee benefits | $463,000 | 10,166 |
| Premises and equipment expense | $136,000 | 9,504 |
| Additional noninterest expense | $245,000 | 11,600 |
| Pre-tax net operating income | $267,000 | 10,454 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $74,000 | 10,606 |
| Income before extraordinary items | $195,000 | 10,664 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $195,000 | 10,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 8,022 |
| Cash dividends | $3,000 | 8,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $193,560 | 10,350 |
* 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.