Home > State Bank of West Fargo > Income and Expense
State Bank of West Fargo, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,752,000 | 4,663 |
| Total interest expense | $967,000 | 4,355 |
| Net interest income | $1,785,000 | 4,741 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $155,000 | 6,575 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $110,000 | 5,032 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $1,255,000 | 5,187 |
| Salaries and employee benefits | $761,000 | 4,804 |
| Premises and equipment expense | $164,000 | 5,356 |
| Additional noninterest expense | $330,000 | 5,658 |
| Pre-tax net operating income | $685,000 | 4,487 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $242,000 | 3,612 |
| Income before extraordinary items | $443,000 | 5,127 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $443,000 | 5,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $1,100,000 | 1,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $443,000 | 4,924 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,393,000 | 4,645 |
| Total interest expense | $503,000 | 4,330 |
| Net interest income | $890,000 | 4,742 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $80,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $53,000 | 5,050 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 6,429 |
| Total noninterest expense | $635,000 | 5,154 |
| Salaries and employee benefits | $389,000 | 4,701 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $162,000 | 5,685 |
| Pre-tax net operating income | $335,000 | 4,502 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $118,000 | 3,661 |
| Income before extraordinary items | $217,000 | 5,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $217,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $217,000 | 4,908 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,220,000 | 4,443 |
| Total interest expense | $2,457,000 | 4,148 |
| Net interest income | $3,763,000 | 4,534 |
| Provision for loan and lease losses | $210,000 | 4,243 |
| Total noninterest income | $248,000 | 6,886 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $189,000 | 5,336 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $59,000 | 7,380 |
| Total noninterest expense | $2,371,000 | 5,266 |
| Salaries and employee benefits | $1,383,000 | 4,984 |
| Premises and equipment expense | $297,000 | 5,624 |
| Additional noninterest expense | $691,000 | 5,454 |
| Pre-tax net operating income | $1,430,000 | 4,236 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $511,000 | 3,401 |
| Income before extraordinary items | $919,000 | 4,826 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $919,000 | 4,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 4,084 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $919,000 | 4,698 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,548,000 | 4,652 |
| Total interest expense | $3,355,000 | 4,340 |
| Net interest income | $3,193,000 | 4,850 |
| Provision for loan and lease losses | $70,000 | 6,194 |
| Total noninterest income | $253,000 | 6,841 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $180,000 | 5,390 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $73,000 | 7,044 |
| Total noninterest expense | $1,949,000 | 5,839 |
| Salaries and employee benefits | $1,212,000 | 5,281 |
| Premises and equipment expense | $189,000 | 6,942 |
| Additional noninterest expense | $548,000 | 6,165 |
| Pre-tax net operating income | $1,427,000 | 3,987 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $518,000 | 3,271 |
| Income before extraordinary items | $909,000 | 4,539 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $909,000 | 4,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,506 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $909,000 | 4,425 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,389,000 | 4,885 |
| Total interest expense | $3,316,000 | 4,562 |
| Net interest income | $3,073,000 | 5,069 |
| Provision for loan and lease losses | $170,000 | 4,137 |
| Total noninterest income | $227,000 | 7,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,467 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,624 |
| Total noninterest expense | $1,772,000 | 6,114 |
| Salaries and employee benefits | $1,097,000 | 5,565 |
| Premises and equipment expense | $153,000 | 7,548 |
| Additional noninterest expense | $522,000 | 6,264 |
| Pre-tax net operating income | $1,358,000 | 4,371 |
| Securities gains (losses) | $11,000 | 1,132 |
| Applicable income taxes | $507,000 | 3,460 |
| Income before extraordinary items | $862,000 | 4,810 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $862,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $854,960 | 4,851 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,381,000 | 5,321 |
| Total interest expense | $2,590,000 | 5,090 |
| Net interest income | $2,791,000 | 5,438 |
| Provision for loan and lease losses | $96,000 | 5,335 |
| Total noninterest income | $217,000 | 7,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 5,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $1,720,000 | 6,253 |
| Salaries and employee benefits | $1,106,000 | 5,463 |
| Premises and equipment expense | $122,000 | 8,192 |
| Additional noninterest expense | $492,000 | 6,569 |
| Pre-tax net operating income | $1,192,000 | 4,784 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $438,000 | 3,924 |
| Income before extraordinary items | $757,000 | 5,248 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $757,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $200,000 | 5,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $755,080 | 5,220 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,885,000 | 5,770 |
| Total interest expense | $2,349,000 | 5,602 |
| Net interest income | $2,536,000 | 5,799 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $207,000 | 7,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 5,761 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,232 |
| Total noninterest expense | $1,549,000 | 6,547 |
| Salaries and employee benefits | $1,002,000 | 5,786 |
| Premises and equipment expense | $115,000 | 8,378 |
| Additional noninterest expense | $432,000 | 6,960 |
| Pre-tax net operating income | $1,179,000 | 4,946 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $426,000 | 4,262 |
| Income before extraordinary items | $753,000 | 5,388 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $753,000 | 5,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $753,000 | 5,281 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 6,265 |
| Total interest expense | $2,102,000 | 6,078 |
| Net interest income | $2,355,000 | 6,281 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $207,000 | 7,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,389 |
| Total noninterest expense | $1,465,000 | 6,881 |
| Salaries and employee benefits | $946,000 | 6,080 |
| Premises and equipment expense | $123,000 | 8,418 |
| Additional noninterest expense | $396,000 | 7,391 |
| Pre-tax net operating income | $1,067,000 | 5,636 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $394,000 | 4,924 |
| Income before extraordinary items | $673,000 | 6,007 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $673,000 | 6,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,883 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $673,000 | 5,966 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,719,000 | 7,134 |
| Total interest expense | $1,716,000 | 7,041 |
| Net interest income | $2,003,000 | 7,139 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $204,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,363 |
| Total noninterest expense | $1,380,000 | 7,446 |
| Salaries and employee benefits | $875,000 | 6,582 |
| Premises and equipment expense | $138,000 | 8,337 |
| Additional noninterest expense | $367,000 | 8,184 |
| Pre-tax net operating income | $827,000 | 6,390 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $303,000 | 5,793 |
| Income before extraordinary items | $524,000 | 6,737 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $524,000 | 6,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 10,715 |
| Cash dividends | $75,000 | 7,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $524,000 | 6,683 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,307,000 | 7,795 |
| Total interest expense | $1,501,000 | 7,705 |
| Net interest income | $1,806,000 | 7,750 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $218,000 | 8,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,206 |
| Total noninterest expense | $1,316,000 | 7,822 |
| Salaries and employee benefits | $802,000 | 7,092 |
| Premises and equipment expense | $149,000 | 8,299 |
| Additional noninterest expense | $365,000 | 8,542 |
| Pre-tax net operating income | $708,000 | 7,286 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $259,000 | 6,521 |
| Income before extraordinary items | $449,000 | 7,648 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $449,000 | 7,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,045 |
| Cash dividends | $140,000 | 6,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $449,000 | 7,613 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,699,000 | 8,555 |
| Total interest expense | $985,000 | 8,758 |
| Net interest income | $1,714,000 | 8,268 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $216,000 | 8,467 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 6,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,719 |
| Total noninterest expense | $1,243,000 | 8,454 |
| Salaries and employee benefits | $769,000 | 7,387 |
| Premises and equipment expense | $132,000 | 9,037 |
| Additional noninterest expense | $342,000 | 9,448 |
| Pre-tax net operating income | $687,000 | 7,473 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $249,000 | 6,553 |
| Income before extraordinary items | $438,000 | 7,824 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $438,000 | 7,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 11,321 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $438,000 | 7,876 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,417,000 | 9,364 |
| Total interest expense | $872,000 | 9,679 |
| Net interest income | $1,545,000 | 8,963 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $216,000 | 8,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $1,138,000 | 9,173 |
| Salaries and employee benefits | $701,000 | 7,989 |
| Premises and equipment expense | $131,000 | 9,437 |
| Additional noninterest expense | $306,000 | 10,371 |
| Pre-tax net operating income | $623,000 | 7,792 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $227,000 | 7,149 |
| Income before extraordinary items | $396,000 | 8,473 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $396,000 | 8,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 12,190 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $396,000 | 8,194 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,345,000 | 10,199 |
| Total interest expense | $1,007,000 | 10,357 |
| Net interest income | $1,338,000 | 9,854 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $181,000 | 9,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,978 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 12,093 |
| Total noninterest expense | $1,029,000 | 9,855 |
| Salaries and employee benefits | $638,000 | 8,474 |
| Premises and equipment expense | $127,000 | 9,784 |
| Additional noninterest expense | $264,000 | 11,361 |
| Pre-tax net operating income | $490,000 | 8,476 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $183,000 | 7,908 |
| Income before extraordinary items | $316,000 | 9,089 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $316,000 | 9,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $310,240 | 8,801 |
* 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.