Home > The First State Bank > Income and Expense
The First State Bank, Income and Expense
2004-09-30 (YTD Data) | Rank | |
Total interest income | $3,504,000 | 5,057 |
Total interest expense | $537,000 | 6,513 |
Net interest income | $2,967,000 | 4,514 |
Provision for loan and lease losses | $0 | 7,100 |
Total noninterest income | $805,000 | 3,393 |
Gross Fiduciary activities income | $0 | 1,547 |
Service charges on deposit accounts | $604,000 | 2,154 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $201,000 | 4,487 |
Total noninterest expense | $3,079,000 | 3,634 |
Salaries and employee benefits | $1,709,000 | 3,583 |
Premises and equipment expense | $531,000 | 3,104 |
Additional noninterest expense | $839,000 | 3,942 |
Pre-tax net operating income | $693,000 | 5,544 |
Securities gains (losses) | $31,000 | 2,017 |
Applicable income taxes | $0 | 7,220 |
Income before extraordinary items | $724,000 | 4,874 |
Extraordinary gains, net | $0 | 26 |
Net income | $724,000 | 4,874 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $9,000 | 5,550 |
Cash dividends | $0 | 5,363 |
Sale, conversion, retirement of capital stock, net | $0 | 738 |
Net operating income | $693,000 | 4,893 |
2004-06-30 (YTD Data) | Rank | |
Total interest income | $2,320,000 | 5,091 |
Total interest expense | $352,000 | 6,600 |
Net interest income | $1,968,000 | 4,522 |
Provision for loan and lease losses | $0 | 6,885 |
Total noninterest income | $505,000 | 3,552 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $399,000 | 2,152 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $106,000 | 5,055 |
Total noninterest expense | $2,018,000 | 3,707 |
Salaries and employee benefits | $1,124,000 | 3,639 |
Premises and equipment expense | $345,000 | 3,175 |
Additional noninterest expense | $549,000 | 4,019 |
Pre-tax net operating income | $455,000 | 5,539 |
Securities gains (losses) | $31,000 | 1,773 |
Applicable income taxes | $0 | 7,214 |
Income before extraordinary items | $486,000 | 4,804 |
Extraordinary gains, net | $0 | 21 |
Net income | $486,000 | 4,804 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,000 | 5,839 |
Cash dividends | $0 | 5,087 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $455,000 | 4,889 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $1,135,000 | 5,161 |
Total interest expense | $175,000 | 6,691 |
Net interest income | $960,000 | 4,601 |
Provision for loan and lease losses | $0 | 6,501 |
Total noninterest income | $242,000 | 3,605 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $193,000 | 2,146 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $49,000 | 5,162 |
Total noninterest expense | $1,002,000 | 3,754 |
Salaries and employee benefits | $560,000 | 3,663 |
Premises and equipment expense | $174,000 | 3,178 |
Additional noninterest expense | $268,000 | 4,091 |
Pre-tax net operating income | $200,000 | 5,819 |
Securities gains (losses) | $31,000 | 1,473 |
Applicable income taxes | $0 | 7,103 |
Income before extraordinary items | $231,000 | 4,963 |
Extraordinary gains, net | $0 | 16 |
Net income | $231,000 | 4,962 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-1,000 | 6,968 |
Cash dividends | $0 | 3,841 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $200,000 | 5,221 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $4,511,000 | 5,226 |
Total interest expense | $739,000 | 6,908 |
Net interest income | $3,772,000 | 4,558 |
Provision for loan and lease losses | $88,000 | 5,533 |
Total noninterest income | $836,000 | 4,127 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $664,000 | 2,475 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $172,000 | 5,582 |
Total noninterest expense | $3,622,000 | 3,996 |
Salaries and employee benefits | $1,971,000 | 3,976 |
Premises and equipment expense | $639,000 | 3,349 |
Additional noninterest expense | $1,012,000 | 4,236 |
Pre-tax net operating income | $898,000 | 5,430 |
Securities gains (losses) | $45,000 | 2,612 |
Applicable income taxes | $0 | 7,459 |
Income before extraordinary items | $943,000 | 4,815 |
Extraordinary gains, net | $0 | 54 |
Net income | $943,000 | 4,815 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $91,000 | 4,223 |
Cash dividends | $100,000 | 5,525 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $898,000 | 4,781 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $3,395,000 | 5,278 |
Total interest expense | $575,000 | 6,966 |
Net interest income | $2,820,000 | 4,580 |
Provision for loan and lease losses | $71,000 | 5,312 |
Total noninterest income | $607,000 | 4,255 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $477,000 | 2,583 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $130,000 | 5,620 |
Total noninterest expense | $2,591,000 | 4,141 |
Salaries and employee benefits | $1,390,000 | 4,172 |
Premises and equipment expense | $477,000 | 3,344 |
Additional noninterest expense | $724,000 | 4,363 |
Pre-tax net operating income | $765,000 | 5,269 |
Securities gains (losses) | $45,000 | 2,401 |
Applicable income taxes | $0 | 7,524 |
Income before extraordinary items | $810,000 | 4,561 |
Extraordinary gains, net | $0 | 40 |
Net income | $810,000 | 4,561 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $77,000 | 3,634 |
Cash dividends | $100,000 | 4,694 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $765,000 | 4,540 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $2,267,000 | 5,317 |
Total interest expense | $403,000 | 6,961 |
Net interest income | $1,864,000 | 4,606 |
Provision for loan and lease losses | $40,000 | 5,444 |
Total noninterest income | $391,000 | 4,300 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $304,000 | 2,617 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $87,000 | 5,586 |
Total noninterest expense | $1,694,000 | 4,203 |
Salaries and employee benefits | $922,000 | 4,174 |
Premises and equipment expense | $318,000 | 3,326 |
Additional noninterest expense | $454,000 | 4,567 |
Pre-tax net operating income | $521,000 | 5,218 |
Securities gains (losses) | $30,000 | 2,360 |
Applicable income taxes | $0 | 7,529 |
Income before extraordinary items | $551,000 | 4,540 |
Extraordinary gains, net | $0 | 30 |
Net income | $551,000 | 4,540 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $60,000 | 3,178 |
Cash dividends | $100,000 | 4,223 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $521,000 | 4,486 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $1,111,000 | 5,398 |
Total interest expense | $206,000 | 6,993 |
Net interest income | $905,000 | 4,693 |
Provision for loan and lease losses | $20,000 | 5,233 |
Total noninterest income | $181,000 | 4,403 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $141,000 | 2,710 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $40,000 | 5,700 |
Total noninterest expense | $848,000 | 4,190 |
Salaries and employee benefits | $459,000 | 4,182 |
Premises and equipment expense | $159,000 | 3,329 |
Additional noninterest expense | $230,000 | 4,499 |
Pre-tax net operating income | $218,000 | 5,634 |
Securities gains (losses) | $31,000 | 1,674 |
Applicable income taxes | $0 | 7,403 |
Income before extraordinary items | $249,000 | 4,728 |
Extraordinary gains, net | $0 | 21 |
Net income | $249,000 | 4,728 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $46,000 | 2,279 |
Cash dividends | $100,000 | 2,874 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $218,000 | 4,891 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $4,762,000 | 5,337 |
Total interest expense | $1,083,000 | 6,717 |
Net interest income | $3,679,000 | 4,600 |
Provision for loan and lease losses | $70,000 | 6,288 |
Total noninterest income | $681,000 | 4,403 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $515,000 | 2,901 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $166,000 | 5,388 |
Total noninterest expense | $3,160,000 | 4,296 |
Salaries and employee benefits | $1,667,000 | 4,326 |
Premises and equipment expense | $572,000 | 3,555 |
Additional noninterest expense | $921,000 | 4,460 |
Pre-tax net operating income | $1,130,000 | 4,874 |
Securities gains (losses) | $32,000 | 2,782 |
Applicable income taxes | $0 | 7,681 |
Income before extraordinary items | $1,162,000 | 4,169 |
Extraordinary gains, net | $0 | 70 |
Net income | $1,162,000 | 4,170 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $47,000 | 5,336 |
Cash dividends | $465,000 | 3,574 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $1,130,000 | 4,145 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $5,026,000 | 5,593 |
Total interest expense | $1,754,000 | 6,499 |
Net interest income | $3,272,000 | 4,772 |
Provision for loan and lease losses | $271,000 | 3,435 |
Total noninterest income | $564,000 | 4,743 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $431,000 | 3,204 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $133,000 | 5,774 |
Total noninterest expense | $2,669,000 | 4,741 |
Salaries and employee benefits | $1,357,000 | 4,871 |
Premises and equipment expense | $419,000 | 4,450 |
Additional noninterest expense | $893,000 | 4,435 |
Pre-tax net operating income | $896,000 | 5,208 |
Securities gains (losses) | $37,000 | 2,648 |
Applicable income taxes | $0 | 7,903 |
Income before extraordinary items | $933,000 | 4,468 |
Extraordinary gains, net | $0 | 105 |
Net income | $933,000 | 4,470 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $235,000 | 2,606 |
Cash dividends | $373,000 | 4,026 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $896,000 | 4,468 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $4,090,000 | 6,418 |
Total interest expense | $1,578,000 | 7,008 |
Net interest income | $2,512,000 | 5,784 |
Provision for loan and lease losses | $158,000 | 4,296 |
Total noninterest income | $408,000 | 5,485 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $322,000 | 3,847 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $86,000 | 6,759 |
Total noninterest expense | $2,217,000 | 5,307 |
Salaries and employee benefits | $1,099,000 | 5,559 |
Premises and equipment expense | $349,000 | 4,941 |
Additional noninterest expense | $769,000 | 4,861 |
Pre-tax net operating income | $545,000 | 6,797 |
Securities gains (losses) | $-1,000 | 7,406 |
Applicable income taxes | $0 | 8,362 |
Income before extraordinary items | $544,000 | 6,105 |
Extraordinary gains, net | $0 | 38 |
Net income | $544,000 | 6,103 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $143,000 | 2,946 |
Cash dividends | $240,000 | 4,834 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $545,000 | 6,108 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $2,964,000 | 7,425 |
Total interest expense | $1,093,000 | 7,933 |
Net interest income | $1,871,000 | 6,866 |
Provision for loan and lease losses | $0 | 8,503 |
Total noninterest income | $368,000 | 5,850 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $283,000 | 4,144 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $85,000 | 7,013 |
Total noninterest expense | $1,465,000 | 6,868 |
Salaries and employee benefits | $685,000 | 7,321 |
Premises and equipment expense | $273,000 | 5,765 |
Additional noninterest expense | $507,000 | 6,475 |
Pre-tax net operating income | $774,000 | 6,026 |
Securities gains (losses) | $0 | 3,155 |
Applicable income taxes | $0 | 8,765 |
Income before extraordinary items | $774,000 | 5,182 |
Extraordinary gains, net | $0 | 35 |
Net income | $774,000 | 5,181 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $2,000 | 7,619 |
Cash dividends | $309,000 | 4,458 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $774,000 | 5,145 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $2,838,000 | 7,721 |
Total interest expense | $1,055,000 | 8,270 |
Net interest income | $1,783,000 | 7,090 |
Provision for loan and lease losses | $18,000 | 7,833 |
Total noninterest income | $314,000 | 6,334 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $262,000 | 4,341 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $52,000 | 8,090 |
Total noninterest expense | $1,440,000 | 6,854 |
Salaries and employee benefits | $644,000 | 7,503 |
Premises and equipment expense | $162,000 | 7,398 |
Additional noninterest expense | $634,000 | 5,532 |
Pre-tax net operating income | $639,000 | 6,724 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $211,000 | 6,064 |
Income before extraordinary items | $428,000 | 7,046 |
Extraordinary gains, net | $0 | 32 |
Net income | $428,000 | 7,043 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $15,000 | 6,674 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $428,000 | 6,949 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $2,654,000 | 8,184 |
Total interest expense | $1,057,000 | 8,533 |
Net interest income | $1,597,000 | 7,783 |
Provision for loan and lease losses | $11,000 | 8,366 |
Total noninterest income | $316,000 | 6,486 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $266,000 | 4,448 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $50,000 | 8,438 |
Total noninterest expense | $1,285,000 | 7,395 |
Salaries and employee benefits | $630,000 | 7,722 |
Premises and equipment expense | $138,000 | 8,064 |
Additional noninterest expense | $517,000 | 6,369 |
Pre-tax net operating income | $617,000 | 7,340 |
Securities gains (losses) | $2,000 | 3,292 |
Applicable income taxes | $204,000 | 6,823 |
Income before extraordinary items | $415,000 | 7,542 |
Extraordinary gains, net | $0 | 44 |
Net income | $415,000 | 7,545 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $29,000 | 6,018 |
Cash dividends | $50,000 | 7,161 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $413,660 | 7,499 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $2,617,000 | 8,542 |
Total interest expense | $1,103,000 | 8,687 |
Net interest income | $1,514,000 | 8,242 |
Provision for loan and lease losses | $0 | 9,041 |
Total noninterest income | $281,000 | 7,179 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $246,000 | 4,884 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $35,000 | 9,600 |
Total noninterest expense | $1,117,000 | 8,269 |
Salaries and employee benefits | $533,000 | 8,630 |
Premises and equipment expense | $112,000 | 8,981 |
Additional noninterest expense | $472,000 | 7,277 |
Pre-tax net operating income | $678,000 | 7,033 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $196,000 | 7,198 |
Income before extraordinary items | $482,000 | 7,025 |
Extraordinary gains, net | $0 | 53 |
Net income | $482,000 | 7,028 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-7,000 | 10,270 |
Cash dividends | $575,000 | 3,141 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $482,000 | 6,966 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $2,424,000 | 9,083 |
Total interest expense | $1,036,000 | 9,136 |
Net interest income | $1,388,000 | 8,824 |
Provision for loan and lease losses | $10,000 | 8,319 |
Total noninterest income | $227,000 | 8,033 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $185,000 | 5,967 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $42,000 | 9,621 |
Total noninterest expense | $1,014,000 | 8,889 |
Salaries and employee benefits | $499,000 | 9,124 |
Premises and equipment expense | $107,000 | 9,413 |
Additional noninterest expense | $408,000 | 8,112 |
Pre-tax net operating income | $591,000 | 7,917 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $201,000 | 7,387 |
Income before extraordinary items | $390,000 | 8,155 |
Extraordinary gains, net | $0 | 65 |
Net income | $390,000 | 8,155 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $4,000 | 8,178 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $390,000 | 8,113 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $1,706,000 | 10,343 |
Total interest expense | $648,000 | 10,359 |
Net interest income | $1,058,000 | 10,215 |
Provision for loan and lease losses | $0 | 9,146 |
Total noninterest income | $185,000 | 9,009 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $136,000 | 7,213 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $49,000 | 9,662 |
Total noninterest expense | $908,000 | 9,745 |
Salaries and employee benefits | $404,000 | 10,253 |
Premises and equipment expense | $114,000 | 9,573 |
Additional noninterest expense | $390,000 | 8,925 |
Pre-tax net operating income | $335,000 | 9,863 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $114,000 | 9,050 |
Income before extraordinary items | $221,000 | 10,024 |
Extraordinary gains, net | $0 | 249 |
Net income | $221,000 | 10,035 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,000 | 8,704 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $221,000 | 10,092 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $1,572,000 | 11,063 |
Total interest expense | $574,000 | 11,293 |
Net interest income | $998,000 | 10,786 |
Provision for loan and lease losses | $-30,000 | 12,640 |
Total noninterest income | $148,000 | 10,245 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $128,000 | 7,638 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $20,000 | 12,038 |
Total noninterest expense | $741,000 | 10,956 |
Salaries and employee benefits | $331,000 | 11,347 |
Premises and equipment expense | $72,000 | 11,428 |
Additional noninterest expense | $338,000 | 9,982 |
Pre-tax net operating income | $435,000 | 9,142 |
Securities gains (losses) | $27,000 | 4,244 |
Applicable income taxes | $157,000 | 8,476 |
Income before extraordinary items | $305,000 | 9,424 |
Extraordinary gains, net | $530,000 | 435 |
Net income | $835,000 | 5,519 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $3,000 | 9,413 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $287,180 | 9,362 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $1,637,000 | 11,637 |
Total interest expense | $712,000 | 11,748 |
Net interest income | $925,000 | 11,408 |
Provision for loan and lease losses | $-12,000 | 13,485 |
Total noninterest income | $134,000 | 10,833 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $115,000 | 8,077 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $19,000 | 12,651 |
Total noninterest expense | $826,000 | 10,878 |
Salaries and employee benefits | $313,000 | 11,866 |
Premises and equipment expense | $51,000 | 12,648 |
Additional noninterest expense | $462,000 | 8,841 |
Pre-tax net operating income | $245,000 | 10,650 |
Securities gains (losses) | $0 | 8,369 |
Applicable income taxes | $78,000 | 10,500 |
Income before extraordinary items | $167,000 | 11,035 |
Extraordinary gains, net | $78,000 | 841 |
Net income | $245,000 | 10,136 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-31,000 | 13,300 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $167,000 | 10,702 |
* 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.