Home > The Fairbury State Bank > Income and Expense
The Fairbury State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,439,000 | 8,459 |
| Total interest expense | $1,300,000 | 7,845 |
| Net interest income | $1,139,000 | 8,841 |
| Provision for loan and lease losses | $22,000 | 7,821 |
| Total noninterest income | $186,000 | 8,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 7,447 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,866 |
| Total noninterest expense | $990,000 | 8,380 |
| Salaries and employee benefits | $337,000 | 9,683 |
| Premises and equipment expense | $72,000 | 9,646 |
| Additional noninterest expense | $581,000 | 5,935 |
| Pre-tax net operating income | $313,000 | 8,927 |
| Securities gains (losses) | $-12,000 | 10,127 |
| Applicable income taxes | $175,000 | 7,245 |
| Income before extraordinary items | $126,000 | 9,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $126,000 | 9,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $25,000 | 7,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $133,680 | 9,697 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,125,000 | 9,205 |
| Total interest expense | $1,147,000 | 8,535 |
| Net interest income | $978,000 | 9,615 |
| Provision for loan and lease losses | $280,000 | 2,725 |
| Total noninterest income | $131,000 | 9,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,849 |
| Total noninterest expense | $930,000 | 8,961 |
| Salaries and employee benefits | $286,000 | 10,464 |
| Premises and equipment expense | $68,000 | 10,142 |
| Additional noninterest expense | $576,000 | 6,511 |
| Pre-tax net operating income | $-101,000 | 10,957 |
| Securities gains (losses) | $-13,000 | 10,409 |
| Applicable income taxes | $-6,000 | 10,924 |
| Income before extraordinary items | $-108,000 | 11,012 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-108,000 | 11,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,983 |
| Cash dividends | $1,495,000 | 1,602 |
| Sale, conversion, retirement of capital stock, net | $2,167,000 | 282 |
| Net operating income | $-95,650 | 10,945 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 8,893 |
| Total interest expense | $1,416,000 | 7,934 |
| Net interest income | $1,131,000 | 9,537 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $142,000 | 9,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,002 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,186 |
| Total noninterest expense | $667,000 | 10,310 |
| Salaries and employee benefits | $315,000 | 10,629 |
| Premises and equipment expense | $66,000 | 10,593 |
| Additional noninterest expense | $286,000 | 9,391 |
| Pre-tax net operating income | $606,000 | 7,844 |
| Securities gains (losses) | $-290,000 | 11,746 |
| Applicable income taxes | $76,000 | 9,668 |
| Income before extraordinary items | $240,000 | 9,502 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $240,000 | 9,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $408,000 | 3,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $460,400 | 7,532 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,384,000 | 9,120 |
| Total interest expense | $1,174,000 | 8,005 |
| Net interest income | $1,210,000 | 9,741 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $145,000 | 9,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 8,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,719 |
| Total noninterest expense | $688,000 | 10,749 |
| Salaries and employee benefits | $315,000 | 11,060 |
| Premises and equipment expense | $65,000 | 11,133 |
| Additional noninterest expense | $308,000 | 9,874 |
| Pre-tax net operating income | $657,000 | 7,663 |
| Securities gains (losses) | $-64,000 | 11,223 |
| Applicable income taxes | $164,000 | 8,039 |
| Income before extraordinary items | $429,000 | 7,908 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $429,000 | 7,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $468,000 | 3,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $475,080 | 7,541 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 9,225 |
| Total interest expense | $1,194,000 | 8,272 |
| Net interest income | $1,285,000 | 9,784 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $136,000 | 10,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,391 |
| Total noninterest expense | $649,000 | 11,384 |
| Salaries and employee benefits | $301,000 | 11,638 |
| Premises and equipment expense | $66,000 | 11,648 |
| Additional noninterest expense | $282,000 | 10,661 |
| Pre-tax net operating income | $760,000 | 7,032 |
| Securities gains (losses) | $20,000 | 4,664 |
| Applicable income taxes | $201,000 | 7,594 |
| Income before extraordinary items | $579,000 | 6,937 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $579,000 | 7,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 7,153 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $564,200 | 6,789 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,781,000 | 9,367 |
| Total interest expense | $1,420,000 | 8,776 |
| Net interest income | $1,361,000 | 9,764 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $157,000 | 10,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,897 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $628,000 | 11,897 |
| Salaries and employee benefits | $307,000 | 11,930 |
| Premises and equipment expense | $53,000 | 12,576 |
| Additional noninterest expense | $268,000 | 11,302 |
| Pre-tax net operating income | $875,000 | 6,221 |
| Securities gains (losses) | $215,000 | 1,915 |
| Applicable income taxes | $363,000 | 5,177 |
| Income before extraordinary items | $727,000 | 5,766 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $727,000 | 5,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $930,000 | 1,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $582,950 | 6,337 |
* 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.