Home > The First State Bank > Income and Expense
The First State Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,225,000 | 4,467 |
| Total interest expense | $3,728,000 | 4,189 |
| Net interest income | $3,497,000 | 4,608 |
| Provision for loan and lease losses | $188,000 | 3,880 |
| Total noninterest income | $842,000 | 3,540 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $691,000 | 2,005 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $151,000 | 5,452 |
| Total noninterest expense | $2,975,000 | 4,265 |
| Salaries and employee benefits | $1,629,000 | 4,092 |
| Premises and equipment expense | $272,000 | 5,750 |
| Additional noninterest expense | $1,074,000 | 3,771 |
| Pre-tax net operating income | $1,176,000 | 4,778 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $355,000 | 4,243 |
| Income before extraordinary items | $817,000 | 4,985 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $817,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,374 |
| Cash dividends | $700,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $819,800 | 4,971 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,787,000 | 4,513 |
| Total interest expense | $3,366,000 | 4,176 |
| Net interest income | $3,421,000 | 4,716 |
| Provision for loan and lease losses | $172,000 | 3,944 |
| Total noninterest income | $866,000 | 3,432 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $683,000 | 1,954 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $183,000 | 5,146 |
| Total noninterest expense | $2,740,000 | 4,547 |
| Salaries and employee benefits | $1,465,000 | 4,419 |
| Premises and equipment expense | $222,000 | 6,470 |
| Additional noninterest expense | $1,053,000 | 3,852 |
| Pre-tax net operating income | $1,375,000 | 4,353 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $417,000 | 4,050 |
| Income before extraordinary items | $958,000 | 4,554 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $958,000 | 4,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,871 |
| Cash dividends | $1,400,000 | 1,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $958,000 | 4,513 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,600,000 | 4,614 |
| Total interest expense | $3,304,000 | 4,368 |
| Net interest income | $3,296,000 | 4,810 |
| Provision for loan and lease losses | $53,000 | 6,503 |
| Total noninterest income | $720,000 | 3,891 |
| Gross Fiduciary activities income | $3,000 | 1,349 |
| Service charges on deposit accounts | $540,000 | 2,384 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $177,000 | 5,269 |
| Total noninterest expense | $2,706,000 | 4,500 |
| Salaries and employee benefits | $1,461,000 | 4,326 |
| Premises and equipment expense | $225,000 | 6,341 |
| Additional noninterest expense | $1,020,000 | 3,895 |
| Pre-tax net operating income | $1,257,000 | 4,740 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $398,000 | 4,426 |
| Income before extraordinary items | $873,000 | 4,925 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $873,000 | 4,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,157 |
| Cash dividends | $1,325,000 | 1,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $863,340 | 4,869 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,429,000 | 4,812 |
| Total interest expense | $3,272,000 | 4,371 |
| Net interest income | $3,157,000 | 5,101 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $530,000 | 4,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,518 |
| Total noninterest expense | $2,783,000 | 4,356 |
| Salaries and employee benefits | $1,476,000 | 4,316 |
| Premises and equipment expense | $250,000 | 6,057 |
| Additional noninterest expense | $1,057,000 | 3,707 |
| Pre-tax net operating income | $904,000 | 6,134 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $279,000 | 5,932 |
| Income before extraordinary items | $625,000 | 6,231 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $625,000 | 6,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,260 |
| Cash dividends | $6,800,000 | 497 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $625,000 | 6,178 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,426,000 | 4,912 |
| Total interest expense | $3,050,000 | 4,719 |
| Net interest income | $3,376,000 | 4,985 |
| Provision for loan and lease losses | $14,000 | 8,292 |
| Total noninterest income | $575,000 | 4,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 6,154 |
| Total noninterest expense | $2,428,000 | 5,129 |
| Salaries and employee benefits | $1,357,000 | 4,705 |
| Premises and equipment expense | $188,000 | 7,257 |
| Additional noninterest expense | $883,000 | 4,828 |
| Pre-tax net operating income | $1,509,000 | 4,321 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $421,000 | 4,725 |
| Income before extraordinary items | $1,088,000 | 4,190 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,088,000 | 4,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,088,000 | 4,129 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,433,000 | 4,900 |
| Total interest expense | $3,059,000 | 4,669 |
| Net interest income | $3,374,000 | 5,010 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $556,000 | 4,831 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $438,000 | 3,076 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,698 |
| Total noninterest expense | $2,328,000 | 5,298 |
| Salaries and employee benefits | $1,367,000 | 4,659 |
| Premises and equipment expense | $170,000 | 7,815 |
| Additional noninterest expense | $791,000 | 5,295 |
| Pre-tax net operating income | $1,602,000 | 4,226 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $453,000 | 4,507 |
| Income before extraordinary items | $1,149,000 | 4,093 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,149,000 | 4,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,149,000 | 4,082 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,569,000 | 5,181 |
| Total interest expense | $2,420,000 | 4,786 |
| Net interest income | $3,149,000 | 5,398 |
| Provision for loan and lease losses | $11,000 | 8,408 |
| Total noninterest income | $624,000 | 4,530 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $474,000 | 2,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 6,205 |
| Total noninterest expense | $2,358,000 | 5,427 |
| Salaries and employee benefits | $1,347,000 | 4,728 |
| Premises and equipment expense | $144,000 | 8,713 |
| Additional noninterest expense | $867,000 | 5,348 |
| Pre-tax net operating income | $1,404,000 | 4,664 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $380,000 | 4,942 |
| Income before extraordinary items | $1,024,000 | 4,452 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,024,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,294 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,024,000 | 4,495 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,562,000 | 5,285 |
| Total interest expense | $2,424,000 | 4,958 |
| Net interest income | $3,138,000 | 5,462 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $546,000 | 5,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 7,333 |
| Total noninterest expense | $2,199,000 | 5,865 |
| Salaries and employee benefits | $1,242,000 | 5,084 |
| Premises and equipment expense | $147,000 | 8,987 |
| Additional noninterest expense | $810,000 | 5,871 |
| Pre-tax net operating income | $1,445,000 | 4,464 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $388,000 | 5,118 |
| Income before extraordinary items | $1,057,000 | 4,471 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,057,000 | 4,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,057,000 | 4,239 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,603,000 | 5,069 |
| Total interest expense | $3,054,000 | 5,078 |
| Net interest income | $3,549,000 | 4,946 |
| Provision for loan and lease losses | $63,000 | 8,454 |
| Total noninterest income | $509,000 | 5,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $396,000 | 3,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,650 |
| Total noninterest expense | $2,247,000 | 5,808 |
| Salaries and employee benefits | $1,264,000 | 4,935 |
| Premises and equipment expense | $183,000 | 8,234 |
| Additional noninterest expense | $800,000 | 6,070 |
| Pre-tax net operating income | $1,748,000 | 3,522 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $516,000 | 3,901 |
| Income before extraordinary items | $1,232,000 | 3,713 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,232,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 12,762 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,232,000 | 3,444 |
* 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.