Home > The Millyard Bank > Income and Expense

The Millyard Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$9,447,0002,923
Total interest expense$4,838,0002,052
Net interest income$4,609,0003,457
Provision for loan and lease losses$406,0001,430
Total noninterest income$144,0004,160
Gross Fiduciary activities income$0981
Service charges on deposit accounts$82,0003,518
Trading account gains and fees$0123
Additional Noninterest Income$62,0004,161
Total noninterest expense$4,899,0003,078
Salaries and employee benefits$3,041,0002,925
Premises and equipment expense$332,0003,484
Additional noninterest expense$62,0004,161
Pre-tax net operating income$-552,0004,477
Securities gains (losses)$0988
Applicable income taxes$12,0003,274
Income before extraordinary items$-564,0004,447
Extraordinary gains, net$054
Net income$-564,0004,446
Minority interest net income$088
Net income of bank and minority interests.$-564,0004,447
Net charge-offs$66,0001,697
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$148,000384
Net operating income$-564,0004,459
2023-09-30 (YTD Data)Rank
Total interest income$6,605,0002,981
Total interest expense$3,179,0002,101
Net interest income$3,426,0003,483
Provision for loan and lease losses$300,0001,340
Total noninterest income$101,0004,194
Gross Fiduciary activities income$0950
Service charges on deposit accounts$59,0003,558
Trading account gains and fees$0125
Additional Noninterest Income$42,0004,195
Total noninterest expense$3,547,0003,118
Salaries and employee benefits$2,210,0002,949
Premises and equipment expense$248,0003,504
Additional noninterest expense$42,0004,191
Pre-tax net operating income$-320,0004,463
Securities gains (losses)$0849
Applicable income taxes$12,0003,283
Income before extraordinary items$-332,0004,478
Extraordinary gains, net$052
Net income$-332,0004,476
Minority interest net income$081
Net income of bank and minority interests.$-332,0004,478
Net charge-offs$34,0001,648
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$112,000374
Net operating income$-332,0004,490
2023-06-30 (YTD Data)Rank
Total interest income$4,139,0003,038
Total interest expense$1,784,0002,152
Net interest income$2,355,0003,470
Provision for loan and lease losses$192,0001,369
Total noninterest income$60,0004,252
Gross Fiduciary activities income$0931
Service charges on deposit accounts$37,0003,598
Trading account gains and fees$0112
Additional Noninterest Income$23,0004,297
Total noninterest expense$2,319,0003,145
Salaries and employee benefits$1,432,0002,988
Premises and equipment expense$166,0003,508
Additional noninterest expense$23,0004,266
Pre-tax net operating income$-96,0004,477
Securities gains (losses)$0938
Applicable income taxes$12,0003,260
Income before extraordinary items$-108,0004,504
Extraordinary gains, net$051
Net income$-108,0004,501
Minority interest net income$081
Net income of bank and minority interests.$-108,0004,503
Net charge-offs$34,0001,324
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$112,000335
Net operating income$-108,0004,511
2023-03-31 (YTD Data)Rank
Total interest income$1,939,0003,125
Total interest expense$651,0002,325
Net interest income$1,288,0003,356
Provision for loan and lease losses$92,0001,315
Total noninterest income$29,0004,293
Gross Fiduciary activities income$0913
Service charges on deposit accounts$19,0003,593
Trading account gains and fees$097
Additional Noninterest Income$10,0004,342
Total noninterest expense$1,128,0003,212
Salaries and employee benefits$694,0003,080
Premises and equipment expense$79,0003,604
Additional noninterest expense$10,0004,342
Pre-tax net operating income$97,0004,214
Securities gains (losses)$0950
Applicable income taxes$03,388
Income before extraordinary items$97,0004,145
Extraordinary gains, net$04
Net income$97,0004,145
Minority interest net income$048
Net income of bank and minority interests.$97,0004,145
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$112,000240
Net operating income$97,0004,172
2022-12-31 (YTD Data)Rank
Total interest income$5,973,0003,246
Total interest expense$893,0002,566
Net interest income$5,080,0003,320
Provision for loan and lease losses$428,0001,314
Total noninterest income$82,0004,470
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$55,0003,869
Trading account gains and fees$0116
Additional Noninterest Income$27,0004,486
Total noninterest expense$4,304,0003,256
Salaries and employee benefits$2,834,0003,027
Premises and equipment expense$273,0003,740
Additional noninterest expense$27,0004,486
Pre-tax net operating income$430,0004,226
Securities gains (losses)$0691
Applicable income taxes$-977,0004,674
Income before extraordinary items$1,407,0003,324
Extraordinary gains, net$05
Net income$1,407,0003,320
Minority interest net income$063
Net income of bank and minority interests.$1,407,0003,323
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$5,809,000109
Net operating income$1,407,0003,353
2022-09-30 (YTD Data)Rank
Total interest income$4,099,0003,317
Total interest expense$531,0002,593
Net interest income$3,568,0003,393
Provision for loan and lease losses$330,0001,185
Total noninterest income$58,0004,514
Gross Fiduciary activities income$0968
Service charges on deposit accounts$38,0003,958
Trading account gains and fees$0111
Additional Noninterest Income$20,0004,514
Total noninterest expense$3,033,0003,329
Salaries and employee benefits$2,011,0003,091
Premises and equipment expense$200,0003,788
Additional noninterest expense$20,0004,514
Pre-tax net operating income$263,0004,301
Securities gains (losses)$0740
Applicable income taxes$03,603
Income before extraordinary items$263,0004,235
Extraordinary gains, net$04
Net income$263,0004,234
Minority interest net income$057
Net income of bank and minority interests.$263,0004,234
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$5,770,00086
Net operating income$263,0004,264
2022-06-30 (YTD Data)Rank
Total interest income$2,518,0003,410
Total interest expense$263,0002,834
Net interest income$2,255,0003,441
Provision for loan and lease losses$235,0001,074
Total noninterest income$37,0004,532
Gross Fiduciary activities income$0925
Service charges on deposit accounts$15,0004,271
Trading account gains and fees$0108
Additional Noninterest Income$22,0004,463
Total noninterest expense$1,934,0003,379
Salaries and employee benefits$1,307,0003,134
Premises and equipment expense$127,0003,851
Additional noninterest expense$500,0003,653
Pre-tax net operating income$123,0004,350
Securities gains (losses)$0687
Applicable income taxes$03,564
Income before extraordinary items$123,0004,277
Extraordinary gains, net$04
Net income$123,0004,277
Minority interest net income$060
Net income of bank and minority interests.$123,0004,277
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$5,695,00059
Net operating income$123,0004,307
2022-03-31 (YTD Data)Rank
Total interest income$1,118,0003,519
Total interest expense$108,0003,084
Net interest income$1,010,0003,539
Provision for loan and lease losses$107,000937
Total noninterest income$19,0004,535
Gross Fiduciary activities income$0892
Service charges on deposit accounts$5,0004,417
Trading account gains and fees$0103
Additional Noninterest Income$14,0004,396
Total noninterest expense$911,0003,459
Salaries and employee benefits$623,0003,207
Premises and equipment expense$60,0003,931
Additional noninterest expense$228,0003,760
Pre-tax net operating income$11,0004,489
Securities gains (losses)$0623
Applicable income taxes$03,450
Income before extraordinary items$11,0004,475
Extraordinary gains, net$04
Net income$11,0004,474
Minority interest net income$050
Net income of bank and minority interests.$11,0004,475
Net charge-offs$01,838
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$5,695,00028
Net operating income$11,0004,497
2021-12-31 (YTD Data)Rank
Total interest income$3,875,0003,802
Total interest expense$320,0003,691
Net interest income$3,555,0003,783
Provision for loan and lease losses$290,0001,457
Total noninterest income$40,0004,716
Gross Fiduciary activities income$0994
Service charges on deposit accounts$16,0004,506
Trading account gains and fees$0132
Additional Noninterest Income$24,0004,666
Total noninterest expense$3,827,0003,427
Salaries and employee benefits$2,649,0003,119
Premises and equipment expense$234,0003,970
Additional noninterest expense$944,0003,757
Pre-tax net operating income$-522,0004,771
Securities gains (losses)$02,062
Applicable income taxes$03,710
Income before extraordinary items$-522,0004,768
Extraordinary gains, net$010
Net income$-522,0004,768
Minority interest net income$074
Net income of bank and minority interests.$-522,0004,768
Net charge-offs$02,705
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$359,000352
Net operating income$-522,0004,762
2021-09-30 (YTD Data)Rank
Total interest income$2,891,0003,887
Total interest expense$225,0003,846
Net interest income$2,666,0003,850
Provision for loan and lease losses$227,0001,355
Total noninterest income$25,0004,809
Gross Fiduciary activities income$0957
Service charges on deposit accounts$11,0004,592
Trading account gains and fees$0132
Additional Noninterest Income$14,0004,751
Total noninterest expense$2,563,0003,612
Salaries and employee benefits$1,700,0003,355
Premises and equipment expense$165,0004,098
Additional noninterest expense$698,0003,785
Pre-tax net operating income$-99,0004,793
Securities gains (losses)$02,015
Applicable income taxes$03,719
Income before extraordinary items$-99,0004,795
Extraordinary gains, net$08
Net income$-99,0004,795
Minority interest net income$069
Net income of bank and minority interests.$-99,0004,795
Net charge-offs$02,463
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$0543
Net operating income$-99,0004,789
2021-06-30 (YTD Data)Rank
Total interest income$1,754,0004,019
Total interest expense$144,0003,957
Net interest income$1,610,0003,983
Provision for loan and lease losses$170,0001,301
Total noninterest income$16,0004,841
Gross Fiduciary activities income$0951
Service charges on deposit accounts$7,0004,621
Trading account gains and fees$0133
Additional Noninterest Income$9,0004,783
Total noninterest expense$1,591,0003,713
Salaries and employee benefits$1,035,0003,498
Premises and equipment expense$111,0004,100
Additional noninterest expense$445,0003,848
Pre-tax net operating income$-135,0004,854
Securities gains (losses)$01,818
Applicable income taxes$03,702
Income before extraordinary items$-135,0004,856
Extraordinary gains, net$06
Net income$-135,0004,856
Minority interest net income$067
Net income of bank and minority interests.$-135,0004,856
Net charge-offs$02,245
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$0517
Net operating income$-135,0004,848
2021-03-31 (YTD Data)Rank
Total interest income$926,0003,969
Total interest expense$70,0004,046
Net interest income$856,0003,913
Provision for loan and lease losses$125,0001,106
Total noninterest income$7,0004,867
Gross Fiduciary activities income$0922
Service charges on deposit accounts$3,0004,659
Trading account gains and fees$0127
Additional Noninterest Income$4,0004,804
Total noninterest expense$771,0003,760
Salaries and employee benefits$497,0003,559
Premises and equipment expense$56,0004,106
Additional noninterest expense$218,0003,861
Pre-tax net operating income$-33,0004,839
Securities gains (losses)$01,392
Applicable income taxes$03,613
Income before extraordinary items$-33,0004,839
Extraordinary gains, net$03
Net income$-33,0004,839
Minority interest net income$055
Net income of bank and minority interests.$-33,0004,839
Net charge-offs$01,930
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$0482
Net operating income$-33,0004,834
2020-12-31 (YTD Data)Rank
Total interest income$1,236,0004,777
Total interest expense$122,0004,762
Net interest income$1,114,0004,756
Provision for loan and lease losses$558,0002,138
Total noninterest income$8,0004,938
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$4,0004,835
Trading account gains and fees$0133
Additional Noninterest Income$4,0004,894
Total noninterest expense$2,831,0003,891
Salaries and employee benefits$1,880,0003,662
Premises and equipment expense$220,0004,148
Additional noninterest expense$731,0004,068
Pre-tax net operating income$-2,267,0004,950
Securities gains (losses)$02,675
Applicable income taxes$03,697
Income before extraordinary items$-2,267,0004,946
Extraordinary gains, net$04
Net income$-2,267,0004,946
Minority interest net income$072
Net income of bank and minority interests.$-2,267,0004,946
Net charge-offs$03,443
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0566
Net operating income$-2,267,0004,944
2020-09-30 (YTD Data)Rank
Total interest income$594,0004,939
Total interest expense$62,0004,896
Net interest income$532,0004,925
Provision for loan and lease losses$415,0002,116
Total noninterest income$5,0004,971
Gross Fiduciary activities income$0981
Service charges on deposit accounts$2,0004,872
Trading account gains and fees$0125
Additional Noninterest Income$3,0004,934
Total noninterest expense$2,066,0003,918
Salaries and employee benefits$1,369,0003,688
Premises and equipment expense$166,0004,166
Additional noninterest expense$531,0004,114
Pre-tax net operating income$-1,944,0004,971
Securities gains (losses)$02,494
Applicable income taxes$03,696
Income before extraordinary items$-1,944,0004,966
Extraordinary gains, net$04
Net income$-1,944,0004,966
Minority interest net income$065
Net income of bank and minority interests.$-1,944,0004,966
Net charge-offs$03,243
Cash dividends$03,384
Sale, conversion, retirement of capital stock, net$0532
Net operating income$-1,944,0004,968
2020-06-30 (YTD Data)Rank
Total interest income$233,0005,030
Total interest expense$15,0005,017
Net interest income$218,0005,025
Provision for loan and lease losses$236,0002,266
Total noninterest income$2,0005,000
Gross Fiduciary activities income$0970
Service charges on deposit accounts$1,0004,904
Trading account gains and fees$0123
Additional Noninterest Income$1,0004,957
Total noninterest expense$1,361,0003,952
Salaries and employee benefits$888,0003,739
Premises and equipment expense$110,0004,193
Additional noninterest expense$363,0004,109
Pre-tax net operating income$-1,377,0004,990
Securities gains (losses)$02,249
Applicable income taxes$03,655
Income before extraordinary items$-1,377,0004,982
Extraordinary gains, net$04
Net income$-1,377,0004,982
Minority interest net income$065
Net income of bank and minority interests.$-1,377,0004,982
Net charge-offs$03,033
Cash dividends$03,237
Sale, conversion, retirement of capital stock, net$0504
Net operating income$-1,377,0004,988
2020-03-31 (YTD Data)Rank
Total interest income$70,0005,104
Total interest expense$05,101
Net interest income$70,0005,098
Provision for loan and lease losses$66,0002,307
Total noninterest income$1,0005,045
Gross Fiduciary activities income$0941
Service charges on deposit accounts$04,968
Trading account gains and fees$0106
Additional Noninterest Income$1,0004,977
Total noninterest expense$659,0004,027
Salaries and employee benefits$422,0003,845
Premises and equipment expense$55,0004,213
Additional noninterest expense$182,0004,154
Pre-tax net operating income$-654,0005,001
Securities gains (losses)$01,705
Applicable income taxes$03,513
Income before extraordinary items$-654,0004,976
Extraordinary gains, net$04
Net income$-654,0004,977
Minority interest net income$056
Net income of bank and minority interests.$-654,0004,976
Net charge-offs$02,581
Cash dividends$02,639
Sale, conversion, retirement of capital stock, net$0482
Net operating income$-654,0005,002
2019-12-31 (YTD Data)Rank
Total interest income$218,0005,166
Total interest expense$05,167
Net interest income$218,0005,163
Provision for loan and lease losses$1,0003,963
Total noninterest income$05,130
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$05,055
Trading account gains and fees$0135
Additional Noninterest Income$05,067
Total noninterest expense$1,031,0004,920
Salaries and employee benefits$673,0004,841
Premises and equipment expense$15,0005,153
Additional noninterest expense$343,0004,863
Pre-tax net operating income$-814,0005,083
Securities gains (losses)$02,379
Applicable income taxes$60,0003,234
Income before extraordinary items$-874,0005,090
Extraordinary gains, net$011
Net income$-874,0005,091
Minority interest net income$076
Net income of bank and minority interests.$-874,0005,091
Net charge-offs$03,726
Cash dividends$03,944
Sale, conversion, retirement of capital stock, net$20,695,00042
Net operating income$-874,0005,081

* 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.