Home > The First State Bank > Income and Expense
The First State Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 7,937 |
| Total interest expense | $572,000 | 8,185 |
| Net interest income | $1,346,000 | 7,683 |
| Provision for loan and lease losses | $15,000 | 7,642 |
| Total noninterest income | $317,000 | 6,356 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $247,000 | 4,728 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $70,000 | 7,078 |
| Total noninterest expense | $1,414,000 | 7,033 |
| Salaries and employee benefits | $726,000 | 7,172 |
| Premises and equipment expense | $401,000 | 4,644 |
| Additional noninterest expense | $287,000 | 7,900 |
| Pre-tax net operating income | $234,000 | 7,811 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $241,000 | 7,612 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $241,000 | 7,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $234,000 | 7,566 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,322,000 | 7,925 |
| Total interest expense | $903,000 | 8,208 |
| Net interest income | $1,419,000 | 7,477 |
| Provision for loan and lease losses | $170,000 | 4,530 |
| Total noninterest income | $262,000 | 6,745 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $205,000 | 5,105 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $57,000 | 7,479 |
| Total noninterest expense | $2,027,000 | 5,677 |
| Salaries and employee benefits | $1,013,000 | 5,931 |
| Premises and equipment expense | $388,000 | 4,689 |
| Additional noninterest expense | $626,000 | 5,686 |
| Pre-tax net operating income | $-516,000 | 9,173 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-84,000 | 9,229 |
| Income before extraordinary items | $-432,000 | 9,201 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-432,000 | 9,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,000 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-432,000 | 9,159 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,343,000 | 9,101 |
| Total interest expense | $497,000 | 9,253 |
| Net interest income | $846,000 | 8,798 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $141,000 | 8,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,179 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,043 |
| Total noninterest expense | $823,000 | 8,505 |
| Salaries and employee benefits | $347,000 | 9,013 |
| Premises and equipment expense | $119,000 | 8,117 |
| Additional noninterest expense | $357,000 | 7,500 |
| Pre-tax net operating income | $164,000 | 8,528 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $36,000 | 7,478 |
| Income before extraordinary items | $128,000 | 8,539 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $128,000 | 8,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $376,000 | 4,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $128,000 | 8,537 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,929,000 | 8,578 |
| Total interest expense | $716,000 | 8,912 |
| Net interest income | $1,213,000 | 8,162 |
| Provision for loan and lease losses | $84,000 | 5,577 |
| Total noninterest income | $275,000 | 6,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 4,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,750 |
| Total noninterest expense | $1,032,000 | 8,025 |
| Salaries and employee benefits | $490,000 | 8,395 |
| Premises and equipment expense | $186,000 | 7,034 |
| Additional noninterest expense | $356,000 | 7,649 |
| Pre-tax net operating income | $372,000 | 7,731 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $86,000 | 7,125 |
| Income before extraordinary items | $286,000 | 7,681 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $286,000 | 7,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,871 |
| Cash dividends | $50,000 | 6,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $286,000 | 7,662 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,901,000 | 8,801 |
| Total interest expense | $718,000 | 9,159 |
| Net interest income | $1,183,000 | 8,362 |
| Provision for loan and lease losses | $74,000 | 5,769 |
| Total noninterest income | $261,000 | 6,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 4,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,765 |
| Total noninterest expense | $959,000 | 8,249 |
| Salaries and employee benefits | $467,000 | 8,557 |
| Premises and equipment expense | $174,000 | 7,165 |
| Additional noninterest expense | $318,000 | 7,958 |
| Pre-tax net operating income | $411,000 | 7,818 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $121,000 | 7,232 |
| Income before extraordinary items | $291,000 | 7,958 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $291,000 | 7,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $125,000 | 6,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $290,290 | 7,879 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 9,154 |
| Total interest expense | $735,000 | 9,453 |
| Net interest income | $1,156,000 | 8,791 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $266,000 | 7,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 4,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,104 |
| Total noninterest expense | $924,000 | 8,597 |
| Salaries and employee benefits | $443,000 | 8,993 |
| Premises and equipment expense | $175,000 | 7,289 |
| Additional noninterest expense | $306,000 | 8,259 |
| Pre-tax net operating income | $428,000 | 8,296 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $137,000 | 7,803 |
| Income before extraordinary items | $286,000 | 8,482 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $286,000 | 8,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $125,000 | 6,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $289,400 | 8,419 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,795,000 | 9,659 |
| Total interest expense | $725,000 | 9,896 |
| Net interest income | $1,070,000 | 9,362 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $258,000 | 7,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,071 |
| Total noninterest expense | $868,000 | 9,167 |
| Salaries and employee benefits | $388,000 | 9,689 |
| Premises and equipment expense | $161,000 | 7,804 |
| Additional noninterest expense | $319,000 | 8,678 |
| Pre-tax net operating income | $360,000 | 8,749 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $100,000 | 8,748 |
| Income before extraordinary items | $260,000 | 8,751 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $260,000 | 8,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,652 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $260,000 | 8,687 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,663,000 | 10,236 |
| Total interest expense | $636,000 | 10,547 |
| Net interest income | $1,027,000 | 9,869 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $220,000 | 8,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $826,000 | 9,654 |
| Salaries and employee benefits | $377,000 | 10,104 |
| Premises and equipment expense | $175,000 | 7,710 |
| Additional noninterest expense | $274,000 | 9,552 |
| Pre-tax net operating income | $376,000 | 9,224 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $122,000 | 8,764 |
| Income before extraordinary items | $254,000 | 9,378 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $254,000 | 9,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $254,000 | 9,352 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 10,846 |
| Total interest expense | $513,000 | 11,049 |
| Net interest income | $930,000 | 10,631 |
| Provision for loan and lease losses | $76,000 | 5,132 |
| Total noninterest income | $214,000 | 8,501 |
| 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 | $29,000 | 10,859 |
| Total noninterest expense | $809,000 | 10,211 |
| Salaries and employee benefits | $383,000 | 10,439 |
| Premises and equipment expense | $115,000 | 9,543 |
| Additional noninterest expense | $311,000 | 9,829 |
| Pre-tax net operating income | $259,000 | 10,423 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $59,000 | 10,250 |
| Income before extraordinary items | $198,000 | 10,303 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $198,000 | 10,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,325 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $199,540 | 10,333 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,362,000 | 11,542 |
| Total interest expense | $483,000 | 11,766 |
| Net interest income | $879,000 | 11,240 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $219,000 | 8,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 6,095 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $762,000 | 10,870 |
| Salaries and employee benefits | $370,000 | 10,938 |
| Premises and equipment expense | $64,000 | 11,705 |
| Additional noninterest expense | $328,000 | 10,097 |
| Pre-tax net operating income | $311,000 | 10,148 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $99,000 | 9,774 |
| Income before extraordinary items | $240,000 | 10,158 |
| Extraordinary gains, net | $104,000 | 1,528 |
| Net income | $344,000 | 9,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $220,120 | 10,176 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,391,000 | 12,202 |
| Total interest expense | $589,000 | 12,338 |
| Net interest income | $802,000 | 11,903 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $189,000 | 9,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,502 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 10,222 |
| Total noninterest expense | $685,000 | 11,593 |
| Salaries and employee benefits | $336,000 | 11,595 |
| Premises and equipment expense | $64,000 | 12,099 |
| Additional noninterest expense | $285,000 | 11,055 |
| Pre-tax net operating income | $296,000 | 10,177 |
| Securities gains (losses) | $99,000 | 3,013 |
| Applicable income taxes | $92,000 | 10,116 |
| Income before extraordinary items | $303,000 | 9,276 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $303,000 | 9,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $226,770 | 9,881 |
* 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.