Home > The Delta State Bank > Income and Expense

The Delta State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$421,000	9,735
Total interest expense	$216,000	9,638
Net interest income	$205,000	9,768
Provision for loan and lease losses	$153,000	4,362
Total noninterest income	$47,000	9,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	8,143
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	8,953
Total noninterest expense	$192,000	9,848
Salaries and employee benefits	$117,000	9,816
Premises and equipment expense	$8,000	9,843
Additional noninterest expense	$67,000	9,786
Pre-tax net operating income	$-93,000	9,240
Securities gains (losses)	$0	1,956
Applicable income taxes	$-26,000	9,401
Income before extraordinary items	$-67,000	9,228
Extraordinary gains, net	$0	38
Net income	$-67,000	9,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	3,043
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-67,000	9,222
1999-12-31 (YTD Data)		Rank
Total interest income	$387,000	10,028
Total interest expense	$177,000	9,965
Net interest income	$210,000	10,049
Provision for loan and lease losses	$130,000	4,573
Total noninterest income	$40,000	9,729
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	8,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,339
Total noninterest expense	$218,000	10,132
Salaries and employee benefits	$136,000	10,076
Premises and equipment expense	$13,000	10,129
Additional noninterest expense	$69,000	10,097
Pre-tax net operating income	$-98,000	9,534
Securities gains (losses)	$0	3,155
Applicable income taxes	$-52,000	9,842
Income before extraordinary items	$-46,000	9,509
Extraordinary gains, net	$0	35
Net income	$-46,000	9,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,383
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-46,000	9,485
1998-12-31 (YTD Data)		Rank
Total interest income	$185,000	10,366
Total interest expense	$77,000	10,316
Net interest income	$108,000	10,379
Provision for loan and lease losses	$109,000	4,942
Total noninterest income	$18,000	10,229
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$9,000	8,887
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	10,010
Total noninterest expense	$96,000	10,437
Salaries and employee benefits	$62,000	10,413
Premises and equipment expense	$4,000	10,414
Additional noninterest expense	$30,000	10,435
Pre-tax net operating income	$-79,000	9,903
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-79,000	9,939
Extraordinary gains, net	$0	32
Net income	$-79,000	9,936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	3,752
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$162,000	704
Net operating income	$-79,000	9,897
1997-12-31 (YTD Data)		Rank
Total interest income	$390,000	10,756
Total interest expense	$123,000	10,759
Net interest income	$267,000	10,719
Provision for loan and lease losses	$54,000	6,513
Total noninterest income	$48,000	10,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	9,059
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	9,587
Total noninterest expense	$197,000	10,829
Salaries and employee benefits	$128,000	10,769
Premises and equipment expense	$10,000	10,848
Additional noninterest expense	$59,000	10,795
Pre-tax net operating income	$64,000	10,197
Securities gains (losses)	$0	3,944
Applicable income taxes	$11,000	9,884
Income before extraordinary items	$53,000	10,223
Extraordinary gains, net	$0	44
Net income	$53,000	10,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,394
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$53,000	10,190
1996-12-31 (YTD Data)		Rank
Total interest income	$354,000	11,324
Total interest expense	$107,000	11,326
Net interest income	$247,000	11,288
Provision for loan and lease losses	$26,000	7,618
Total noninterest income	$53,000	10,797
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,558
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	9,747
Total noninterest expense	$192,000	11,375
Salaries and employee benefits	$127,000	11,298
Premises and equipment expense	$10,000	11,381
Additional noninterest expense	$55,000	11,369
Pre-tax net operating income	$82,000	10,464
Securities gains (losses)	$0	4,148
Applicable income taxes	$-7,000	10,932
Income before extraordinary items	$89,000	10,321
Extraordinary gains, net	$0	53
Net income	$89,000	10,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,102
Cash dividends	$40,000	7,695
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$89,000	10,273
1995-12-31 (YTD Data)		Rank
Total interest income	$308,000	11,876
Total interest expense	$103,000	11,863
Net interest income	$205,000	11,859
Provision for loan and lease losses	$15,000	7,935
Total noninterest income	$54,000	11,282
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	10,031
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,970
Total noninterest expense	$160,000	11,910
Salaries and employee benefits	$103,000	11,869
Premises and equipment expense	$9,000	11,907
Additional noninterest expense	$48,000	11,899
Pre-tax net operating income	$84,000	11,172
Securities gains (losses)	$0	3,831
Applicable income taxes	$18,000	10,788
Income before extraordinary items	$66,000	11,196
Extraordinary gains, net	$0	65
Net income	$66,000	11,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$60,000	7,552
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$66,000	11,166
1994-12-31 (YTD Data)		Rank
Total interest income	$158,000	12,567
Total interest expense	$56,000	12,552
Net interest income	$102,000	12,561
Provision for loan and lease losses	$10,000	8,460
Total noninterest income	$47,000	11,998
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$13,000	10,670
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	10,550
Total noninterest expense	$163,000	12,550
Salaries and employee benefits	$106,000	12,500
Premises and equipment expense	$9,000	12,551
Additional noninterest expense	$48,000	12,552
Pre-tax net operating income	$-24,000	12,135
Securities gains (losses)	$-11,000	9,904
Applicable income taxes	$-12,000	12,092
Income before extraordinary items	$-23,000	12,075
Extraordinary gains, net	$0	249
Net income	$-23,000	12,077
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$500,000	3,161
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-15,740	12,090
1993-12-31 (YTD Data)		Rank
Total interest income	$42,000	13,269
Total interest expense	$0	13,264
Net interest income	$42,000	13,225
Provision for loan and lease losses	$0	10,371
Total noninterest income	$20,000	13,069
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	11,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	12,609
Total noninterest expense	$67,000	13,271
Salaries and employee benefits	$29,000	13,266
Premises and equipment expense	$4,000	13,246
Additional noninterest expense	$34,000	13,254
Pre-tax net operating income	$-5,000	12,457
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$-5,000	12,544
Extraordinary gains, net	$0	3,149
Net income	$-5,000	12,570
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-5,000	12,414
1992-12-31 (YTD Data)		Rank
Total interest income	$63,000	13,910
Total interest expense	$0	13,899
Net interest income	$63,000	13,875
Provision for loan and lease losses	$0	11,756
Total noninterest income	$19,000	13,699
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	11,651
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	13,214
Total noninterest expense	$201,000	13,799
Salaries and employee benefits	$42,000	13,891
Premises and equipment expense	$4,000	13,891
Additional noninterest expense	$155,000	12,864
Pre-tax net operating income	$-119,000	12,977
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-119,000	13,088
Extraordinary gains, net	$0	1,422
Net income	$-119,000	13,081
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$2,000	8,882
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-119,000	12,947

* 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.