Home > The First State Bank and Trust Company > Income and Expense
The First State Bank and Trust Company, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,411,000 | 3,733 |
| Total interest expense | $4,481,000 | 3,251 |
| Net interest income | $3,930,000 | 4,245 |
| Provision for loan and lease losses | $496,000 | 1,783 |
| Total noninterest income | $766,000 | 3,733 |
| Gross Fiduciary activities income | $284,000 | 784 |
| Service charges on deposit accounts | $377,000 | 3,366 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $105,000 | 6,517 |
| Total noninterest expense | $2,695,000 | 4,601 |
| Salaries and employee benefits | $1,133,000 | 5,389 |
| Premises and equipment expense | $1,020,000 | 2,011 |
| Additional noninterest expense | $542,000 | 6,205 |
| Pre-tax net operating income | $1,505,000 | 4,074 |
| Securities gains (losses) | $-35,000 | 9,704 |
| Applicable income taxes | $414,000 | 4,069 |
| Income before extraordinary items | $1,056,000 | 4,258 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,056,000 | 4,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $578,000 | 1,087 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,081,200 | 4,160 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,271,000 | 3,827 |
| Total interest expense | $4,224,000 | 3,511 |
| Net interest income | $4,047,000 | 4,084 |
| Provision for loan and lease losses | $280,000 | 2,772 |
| Total noninterest income | $718,000 | 3,901 |
| Gross Fiduciary activities income | $231,000 | 837 |
| Service charges on deposit accounts | $368,000 | 3,372 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $119,000 | 6,233 |
| Total noninterest expense | $2,639,000 | 4,587 |
| Salaries and employee benefits | $1,232,000 | 4,984 |
| Premises and equipment expense | $496,000 | 3,732 |
| Additional noninterest expense | $911,000 | 4,254 |
| Pre-tax net operating income | $1,846,000 | 3,559 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $536,000 | 3,676 |
| Income before extraordinary items | $1,310,000 | 3,665 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,310,000 | 3,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,219 |
| Cash dividends | $1,000,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,310,000 | 3,570 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,530,000 | 4,218 |
| Total interest expense | $3,602,000 | 4,044 |
| Net interest income | $3,928,000 | 4,299 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $683,000 | 4,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,622 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $334,000 | 3,680 |
| Total noninterest expense | $2,547,000 | 4,721 |
| Salaries and employee benefits | $1,221,000 | 5,017 |
| Premises and equipment expense | $485,000 | 3,811 |
| Additional noninterest expense | $841,000 | 4,556 |
| Pre-tax net operating income | $1,944,000 | 3,636 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $575,000 | 3,803 |
| Income before extraordinary items | $1,380,000 | 3,612 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,380,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,755 |
| Cash dividends | $783,000 | 2,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,372,190 | 3,555 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,730,000 | 4,729 |
| Total interest expense | $3,212,000 | 4,500 |
| Net interest income | $3,518,000 | 4,811 |
| Provision for loan and lease losses | $118,000 | 4,759 |
| Total noninterest income | $548,000 | 4,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,143 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $240,000 | 4,648 |
| Total noninterest expense | $2,288,000 | 5,367 |
| Salaries and employee benefits | $1,152,000 | 5,388 |
| Premises and equipment expense | $392,000 | 4,608 |
| Additional noninterest expense | $744,000 | 5,490 |
| Pre-tax net operating income | $1,660,000 | 4,012 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $476,000 | 4,307 |
| Income before extraordinary items | $1,195,000 | 3,885 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,195,000 | 3,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,831 |
| Cash dividends | $427,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,187,080 | 3,860 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,331,000 | 4,966 |
| Total interest expense | $3,093,000 | 4,625 |
| Net interest income | $3,238,000 | 5,178 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $452,000 | 5,532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 4,883 |
| Total noninterest expense | $2,222,000 | 5,510 |
| Salaries and employee benefits | $1,096,000 | 5,614 |
| Premises and equipment expense | $336,000 | 5,189 |
| Additional noninterest expense | $790,000 | 5,302 |
| Pre-tax net operating income | $1,408,000 | 4,672 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $354,000 | 5,391 |
| Income before extraordinary items | $1,053,000 | 4,391 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,053,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,506 |
| Cash dividends | $705,000 | 2,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,053,750 | 4,387 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,900,000 | 4,934 |
| Total interest expense | $2,620,000 | 4,456 |
| Net interest income | $3,280,000 | 5,227 |
| Provision for loan and lease losses | $55,000 | 5,922 |
| Total noninterest income | $455,000 | 5,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 5,117 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 5,108 |
| Total noninterest expense | $2,210,000 | 5,713 |
| Salaries and employee benefits | $1,111,000 | 5,599 |
| Premises and equipment expense | $301,000 | 5,701 |
| Additional noninterest expense | $798,000 | 5,712 |
| Pre-tax net operating income | $1,470,000 | 4,489 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $350,000 | 5,275 |
| Income before extraordinary items | $1,132,000 | 4,074 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,132,000 | 4,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $457,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $-581,000 | 12,560 |
| Net operating income | $1,122,880 | 4,136 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,716,000 | 5,172 |
| Total interest expense | $2,499,000 | 4,810 |
| Net interest income | $3,217,000 | 5,322 |
| Provision for loan and lease losses | $87,000 | 6,144 |
| Total noninterest income | $479,000 | 5,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 5,372 |
| Total noninterest expense | $2,120,000 | 6,049 |
| Salaries and employee benefits | $1,095,000 | 5,666 |
| Premises and equipment expense | $272,000 | 6,311 |
| Additional noninterest expense | $753,000 | 6,217 |
| Pre-tax net operating income | $1,489,000 | 4,348 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $371,000 | 5,280 |
| Income before extraordinary items | $1,116,000 | 4,272 |
| Extraordinary gains, net | $83,000 | 1,747 |
| Net income | $1,199,000 | 4,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $498,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,117,500 | 4,053 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,941,000 | 5,537 |
| Total interest expense | $2,868,000 | 5,348 |
| Net interest income | $3,073,000 | 5,610 |
| Provision for loan and lease losses | $268,000 | 4,430 |
| Total noninterest income | $512,000 | 5,560 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 5,248 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $270,000 | 4,733 |
| Total noninterest expense | $2,012,000 | 6,354 |
| Salaries and employee benefits | $1,035,000 | 5,848 |
| Premises and equipment expense | $257,000 | 6,653 |
| Additional noninterest expense | $720,000 | 6,625 |
| Pre-tax net operating income | $1,305,000 | 4,597 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $332,000 | 5,558 |
| Income before extraordinary items | $996,000 | 4,527 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $996,000 | 4,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 5,553 |
| Cash dividends | $544,000 | 2,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $978,750 | 4,267 |
* 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.