Home > The Millyard Bank > Income and Expense
The Millyard Bank, Income and Expense
2023-12-31 (YTD Data) | Rank | |
Total interest income | $9,447,000 | 2,923 |
Total interest expense | $4,838,000 | 2,052 |
Net interest income | $4,609,000 | 3,457 |
Provision for loan and lease losses | $406,000 | 1,430 |
Total noninterest income | $144,000 | 4,160 |
Gross Fiduciary activities income | $0 | 981 |
Service charges on deposit accounts | $82,000 | 3,518 |
Trading account gains and fees | $0 | 123 |
Additional Noninterest Income | $62,000 | 4,161 |
Total noninterest expense | $4,899,000 | 3,078 |
Salaries and employee benefits | $3,041,000 | 2,925 |
Premises and equipment expense | $332,000 | 3,484 |
Additional noninterest expense | $62,000 | 4,161 |
Pre-tax net operating income | $-552,000 | 4,477 |
Securities gains (losses) | $0 | 988 |
Applicable income taxes | $12,000 | 3,274 |
Income before extraordinary items | $-564,000 | 4,447 |
Extraordinary gains, net | $0 | 54 |
Net income | $-564,000 | 4,446 |
Minority interest net income | $0 | 88 |
Net income of bank and minority interests. | $-564,000 | 4,447 |
Net charge-offs | $66,000 | 1,697 |
Cash dividends | $0 | 3,459 |
Sale, conversion, retirement of capital stock, net | $148,000 | 384 |
Net operating income | $-564,000 | 4,459 |
2023-09-30 (YTD Data) | Rank | |
Total interest income | $6,605,000 | 2,981 |
Total interest expense | $3,179,000 | 2,101 |
Net interest income | $3,426,000 | 3,483 |
Provision for loan and lease losses | $300,000 | 1,340 |
Total noninterest income | $101,000 | 4,194 |
Gross Fiduciary activities income | $0 | 950 |
Service charges on deposit accounts | $59,000 | 3,558 |
Trading account gains and fees | $0 | 125 |
Additional Noninterest Income | $42,000 | 4,195 |
Total noninterest expense | $3,547,000 | 3,118 |
Salaries and employee benefits | $2,210,000 | 2,949 |
Premises and equipment expense | $248,000 | 3,504 |
Additional noninterest expense | $42,000 | 4,191 |
Pre-tax net operating income | $-320,000 | 4,463 |
Securities gains (losses) | $0 | 849 |
Applicable income taxes | $12,000 | 3,283 |
Income before extraordinary items | $-332,000 | 4,478 |
Extraordinary gains, net | $0 | 52 |
Net income | $-332,000 | 4,476 |
Minority interest net income | $0 | 81 |
Net income of bank and minority interests. | $-332,000 | 4,478 |
Net charge-offs | $34,000 | 1,648 |
Cash dividends | $0 | 3,078 |
Sale, conversion, retirement of capital stock, net | $112,000 | 374 |
Net operating income | $-332,000 | 4,490 |
2023-06-30 (YTD Data) | Rank | |
Total interest income | $4,139,000 | 3,038 |
Total interest expense | $1,784,000 | 2,152 |
Net interest income | $2,355,000 | 3,470 |
Provision for loan and lease losses | $192,000 | 1,369 |
Total noninterest income | $60,000 | 4,252 |
Gross Fiduciary activities income | $0 | 931 |
Service charges on deposit accounts | $37,000 | 3,598 |
Trading account gains and fees | $0 | 112 |
Additional Noninterest Income | $23,000 | 4,297 |
Total noninterest expense | $2,319,000 | 3,145 |
Salaries and employee benefits | $1,432,000 | 2,988 |
Premises and equipment expense | $166,000 | 3,508 |
Additional noninterest expense | $23,000 | 4,266 |
Pre-tax net operating income | $-96,000 | 4,477 |
Securities gains (losses) | $0 | 938 |
Applicable income taxes | $12,000 | 3,260 |
Income before extraordinary items | $-108,000 | 4,504 |
Extraordinary gains, net | $0 | 51 |
Net income | $-108,000 | 4,501 |
Minority interest net income | $0 | 81 |
Net income of bank and minority interests. | $-108,000 | 4,503 |
Net charge-offs | $34,000 | 1,324 |
Cash dividends | $0 | 2,952 |
Sale, conversion, retirement of capital stock, net | $112,000 | 335 |
Net operating income | $-108,000 | 4,511 |
2023-03-31 (YTD Data) | Rank | |
Total interest income | $1,939,000 | 3,125 |
Total interest expense | $651,000 | 2,325 |
Net interest income | $1,288,000 | 3,356 |
Provision for loan and lease losses | $92,000 | 1,315 |
Total noninterest income | $29,000 | 4,293 |
Gross Fiduciary activities income | $0 | 913 |
Service charges on deposit accounts | $19,000 | 3,593 |
Trading account gains and fees | $0 | 97 |
Additional Noninterest Income | $10,000 | 4,342 |
Total noninterest expense | $1,128,000 | 3,212 |
Salaries and employee benefits | $694,000 | 3,080 |
Premises and equipment expense | $79,000 | 3,604 |
Additional noninterest expense | $10,000 | 4,342 |
Pre-tax net operating income | $97,000 | 4,214 |
Securities gains (losses) | $0 | 950 |
Applicable income taxes | $0 | 3,388 |
Income before extraordinary items | $97,000 | 4,145 |
Extraordinary gains, net | $0 | 4 |
Net income | $97,000 | 4,145 |
Minority interest net income | $0 | 48 |
Net income of bank and minority interests. | $97,000 | 4,145 |
Net charge-offs | $0 | 2,062 |
Cash dividends | $0 | 2,337 |
Sale, conversion, retirement of capital stock, net | $112,000 | 240 |
Net operating income | $97,000 | 4,172 |
2022-12-31 (YTD Data) | Rank | |
Total interest income | $5,973,000 | 3,246 |
Total interest expense | $893,000 | 2,566 |
Net interest income | $5,080,000 | 3,320 |
Provision for loan and lease losses | $428,000 | 1,314 |
Total noninterest income | $82,000 | 4,470 |
Gross Fiduciary activities income | $0 | 1,005 |
Service charges on deposit accounts | $55,000 | 3,869 |
Trading account gains and fees | $0 | 116 |
Additional Noninterest Income | $27,000 | 4,486 |
Total noninterest expense | $4,304,000 | 3,256 |
Salaries and employee benefits | $2,834,000 | 3,027 |
Premises and equipment expense | $273,000 | 3,740 |
Additional noninterest expense | $27,000 | 4,486 |
Pre-tax net operating income | $430,000 | 4,226 |
Securities gains (losses) | $0 | 691 |
Applicable income taxes | $-977,000 | 4,674 |
Income before extraordinary items | $1,407,000 | 3,324 |
Extraordinary gains, net | $0 | 5 |
Net income | $1,407,000 | 3,320 |
Minority interest net income | $0 | 63 |
Net income of bank and minority interests. | $1,407,000 | 3,323 |
Net charge-offs | $0 | 2,620 |
Cash dividends | $0 | 3,475 |
Sale, conversion, retirement of capital stock, net | $5,809,000 | 109 |
Net operating income | $1,407,000 | 3,353 |
2022-09-30 (YTD Data) | Rank | |
Total interest income | $4,099,000 | 3,317 |
Total interest expense | $531,000 | 2,593 |
Net interest income | $3,568,000 | 3,393 |
Provision for loan and lease losses | $330,000 | 1,185 |
Total noninterest income | $58,000 | 4,514 |
Gross Fiduciary activities income | $0 | 968 |
Service charges on deposit accounts | $38,000 | 3,958 |
Trading account gains and fees | $0 | 111 |
Additional Noninterest Income | $20,000 | 4,514 |
Total noninterest expense | $3,033,000 | 3,329 |
Salaries and employee benefits | $2,011,000 | 3,091 |
Premises and equipment expense | $200,000 | 3,788 |
Additional noninterest expense | $20,000 | 4,514 |
Pre-tax net operating income | $263,000 | 4,301 |
Securities gains (losses) | $0 | 740 |
Applicable income taxes | $0 | 3,603 |
Income before extraordinary items | $263,000 | 4,235 |
Extraordinary gains, net | $0 | 4 |
Net income | $263,000 | 4,234 |
Minority interest net income | $0 | 57 |
Net income of bank and minority interests. | $263,000 | 4,234 |
Net charge-offs | $0 | 2,349 |
Cash dividends | $0 | 3,099 |
Sale, conversion, retirement of capital stock, net | $5,770,000 | 86 |
Net operating income | $263,000 | 4,264 |
2022-06-30 (YTD Data) | Rank | |
Total interest income | $2,518,000 | 3,410 |
Total interest expense | $263,000 | 2,834 |
Net interest income | $2,255,000 | 3,441 |
Provision for loan and lease losses | $235,000 | 1,074 |
Total noninterest income | $37,000 | 4,532 |
Gross Fiduciary activities income | $0 | 925 |
Service charges on deposit accounts | $15,000 | 4,271 |
Trading account gains and fees | $0 | 108 |
Additional Noninterest Income | $22,000 | 4,463 |
Total noninterest expense | $1,934,000 | 3,379 |
Salaries and employee benefits | $1,307,000 | 3,134 |
Premises and equipment expense | $127,000 | 3,851 |
Additional noninterest expense | $500,000 | 3,653 |
Pre-tax net operating income | $123,000 | 4,350 |
Securities gains (losses) | $0 | 687 |
Applicable income taxes | $0 | 3,564 |
Income before extraordinary items | $123,000 | 4,277 |
Extraordinary gains, net | $0 | 4 |
Net income | $123,000 | 4,277 |
Minority interest net income | $0 | 60 |
Net income of bank and minority interests. | $123,000 | 4,277 |
Net charge-offs | $0 | 2,156 |
Cash dividends | $0 | 2,961 |
Sale, conversion, retirement of capital stock, net | $5,695,000 | 59 |
Net operating income | $123,000 | 4,307 |
2022-03-31 (YTD Data) | Rank | |
Total interest income | $1,118,000 | 3,519 |
Total interest expense | $108,000 | 3,084 |
Net interest income | $1,010,000 | 3,539 |
Provision for loan and lease losses | $107,000 | 937 |
Total noninterest income | $19,000 | 4,535 |
Gross Fiduciary activities income | $0 | 892 |
Service charges on deposit accounts | $5,000 | 4,417 |
Trading account gains and fees | $0 | 103 |
Additional Noninterest Income | $14,000 | 4,396 |
Total noninterest expense | $911,000 | 3,459 |
Salaries and employee benefits | $623,000 | 3,207 |
Premises and equipment expense | $60,000 | 3,931 |
Additional noninterest expense | $228,000 | 3,760 |
Pre-tax net operating income | $11,000 | 4,489 |
Securities gains (losses) | $0 | 623 |
Applicable income taxes | $0 | 3,450 |
Income before extraordinary items | $11,000 | 4,475 |
Extraordinary gains, net | $0 | 4 |
Net income | $11,000 | 4,474 |
Minority interest net income | $0 | 50 |
Net income of bank and minority interests. | $11,000 | 4,475 |
Net charge-offs | $0 | 1,838 |
Cash dividends | $0 | 2,284 |
Sale, conversion, retirement of capital stock, net | $5,695,000 | 28 |
Net operating income | $11,000 | 4,497 |
2021-12-31 (YTD Data) | Rank | |
Total interest income | $3,875,000 | 3,802 |
Total interest expense | $320,000 | 3,691 |
Net interest income | $3,555,000 | 3,783 |
Provision for loan and lease losses | $290,000 | 1,457 |
Total noninterest income | $40,000 | 4,716 |
Gross Fiduciary activities income | $0 | 994 |
Service charges on deposit accounts | $16,000 | 4,506 |
Trading account gains and fees | $0 | 132 |
Additional Noninterest Income | $24,000 | 4,666 |
Total noninterest expense | $3,827,000 | 3,427 |
Salaries and employee benefits | $2,649,000 | 3,119 |
Premises and equipment expense | $234,000 | 3,970 |
Additional noninterest expense | $944,000 | 3,757 |
Pre-tax net operating income | $-522,000 | 4,771 |
Securities gains (losses) | $0 | 2,062 |
Applicable income taxes | $0 | 3,710 |
Income before extraordinary items | $-522,000 | 4,768 |
Extraordinary gains, net | $0 | 10 |
Net income | $-522,000 | 4,768 |
Minority interest net income | $0 | 74 |
Net income of bank and minority interests. | $-522,000 | 4,768 |
Net charge-offs | $0 | 2,705 |
Cash dividends | $0 | 3,608 |
Sale, conversion, retirement of capital stock, net | $359,000 | 352 |
Net operating income | $-522,000 | 4,762 |
2021-09-30 (YTD Data) | Rank | |
Total interest income | $2,891,000 | 3,887 |
Total interest expense | $225,000 | 3,846 |
Net interest income | $2,666,000 | 3,850 |
Provision for loan and lease losses | $227,000 | 1,355 |
Total noninterest income | $25,000 | 4,809 |
Gross Fiduciary activities income | $0 | 957 |
Service charges on deposit accounts | $11,000 | 4,592 |
Trading account gains and fees | $0 | 132 |
Additional Noninterest Income | $14,000 | 4,751 |
Total noninterest expense | $2,563,000 | 3,612 |
Salaries and employee benefits | $1,700,000 | 3,355 |
Premises and equipment expense | $165,000 | 4,098 |
Additional noninterest expense | $698,000 | 3,785 |
Pre-tax net operating income | $-99,000 | 4,793 |
Securities gains (losses) | $0 | 2,015 |
Applicable income taxes | $0 | 3,719 |
Income before extraordinary items | $-99,000 | 4,795 |
Extraordinary gains, net | $0 | 8 |
Net income | $-99,000 | 4,795 |
Minority interest net income | $0 | 69 |
Net income of bank and minority interests. | $-99,000 | 4,795 |
Net charge-offs | $0 | 2,463 |
Cash dividends | $0 | 3,251 |
Sale, conversion, retirement of capital stock, net | $0 | 543 |
Net operating income | $-99,000 | 4,789 |
2021-06-30 (YTD Data) | Rank | |
Total interest income | $1,754,000 | 4,019 |
Total interest expense | $144,000 | 3,957 |
Net interest income | $1,610,000 | 3,983 |
Provision for loan and lease losses | $170,000 | 1,301 |
Total noninterest income | $16,000 | 4,841 |
Gross Fiduciary activities income | $0 | 951 |
Service charges on deposit accounts | $7,000 | 4,621 |
Trading account gains and fees | $0 | 133 |
Additional Noninterest Income | $9,000 | 4,783 |
Total noninterest expense | $1,591,000 | 3,713 |
Salaries and employee benefits | $1,035,000 | 3,498 |
Premises and equipment expense | $111,000 | 4,100 |
Additional noninterest expense | $445,000 | 3,848 |
Pre-tax net operating income | $-135,000 | 4,854 |
Securities gains (losses) | $0 | 1,818 |
Applicable income taxes | $0 | 3,702 |
Income before extraordinary items | $-135,000 | 4,856 |
Extraordinary gains, net | $0 | 6 |
Net income | $-135,000 | 4,856 |
Minority interest net income | $0 | 67 |
Net income of bank and minority interests. | $-135,000 | 4,856 |
Net charge-offs | $0 | 2,245 |
Cash dividends | $0 | 3,104 |
Sale, conversion, retirement of capital stock, net | $0 | 517 |
Net operating income | $-135,000 | 4,848 |
2021-03-31 (YTD Data) | Rank | |
Total interest income | $926,000 | 3,969 |
Total interest expense | $70,000 | 4,046 |
Net interest income | $856,000 | 3,913 |
Provision for loan and lease losses | $125,000 | 1,106 |
Total noninterest income | $7,000 | 4,867 |
Gross Fiduciary activities income | $0 | 922 |
Service charges on deposit accounts | $3,000 | 4,659 |
Trading account gains and fees | $0 | 127 |
Additional Noninterest Income | $4,000 | 4,804 |
Total noninterest expense | $771,000 | 3,760 |
Salaries and employee benefits | $497,000 | 3,559 |
Premises and equipment expense | $56,000 | 4,106 |
Additional noninterest expense | $218,000 | 3,861 |
Pre-tax net operating income | $-33,000 | 4,839 |
Securities gains (losses) | $0 | 1,392 |
Applicable income taxes | $0 | 3,613 |
Income before extraordinary items | $-33,000 | 4,839 |
Extraordinary gains, net | $0 | 3 |
Net income | $-33,000 | 4,839 |
Minority interest net income | $0 | 55 |
Net income of bank and minority interests. | $-33,000 | 4,839 |
Net charge-offs | $0 | 1,930 |
Cash dividends | $0 | 2,452 |
Sale, conversion, retirement of capital stock, net | $0 | 482 |
Net operating income | $-33,000 | 4,834 |
2020-12-31 (YTD Data) | Rank | |
Total interest income | $1,236,000 | 4,777 |
Total interest expense | $122,000 | 4,762 |
Net interest income | $1,114,000 | 4,756 |
Provision for loan and lease losses | $558,000 | 2,138 |
Total noninterest income | $8,000 | 4,938 |
Gross Fiduciary activities income | $0 | 1,030 |
Service charges on deposit accounts | $4,000 | 4,835 |
Trading account gains and fees | $0 | 133 |
Additional Noninterest Income | $4,000 | 4,894 |
Total noninterest expense | $2,831,000 | 3,891 |
Salaries and employee benefits | $1,880,000 | 3,662 |
Premises and equipment expense | $220,000 | 4,148 |
Additional noninterest expense | $731,000 | 4,068 |
Pre-tax net operating income | $-2,267,000 | 4,950 |
Securities gains (losses) | $0 | 2,675 |
Applicable income taxes | $0 | 3,697 |
Income before extraordinary items | $-2,267,000 | 4,946 |
Extraordinary gains, net | $0 | 4 |
Net income | $-2,267,000 | 4,946 |
Minority interest net income | $0 | 72 |
Net income of bank and minority interests. | $-2,267,000 | 4,946 |
Net charge-offs | $0 | 3,443 |
Cash dividends | $0 | 3,782 |
Sale, conversion, retirement of capital stock, net | $0 | 566 |
Net operating income | $-2,267,000 | 4,944 |
2020-09-30 (YTD Data) | Rank | |
Total interest income | $594,000 | 4,939 |
Total interest expense | $62,000 | 4,896 |
Net interest income | $532,000 | 4,925 |
Provision for loan and lease losses | $415,000 | 2,116 |
Total noninterest income | $5,000 | 4,971 |
Gross Fiduciary activities income | $0 | 981 |
Service charges on deposit accounts | $2,000 | 4,872 |
Trading account gains and fees | $0 | 125 |
Additional Noninterest Income | $3,000 | 4,934 |
Total noninterest expense | $2,066,000 | 3,918 |
Salaries and employee benefits | $1,369,000 | 3,688 |
Premises and equipment expense | $166,000 | 4,166 |
Additional noninterest expense | $531,000 | 4,114 |
Pre-tax net operating income | $-1,944,000 | 4,971 |
Securities gains (losses) | $0 | 2,494 |
Applicable income taxes | $0 | 3,696 |
Income before extraordinary items | $-1,944,000 | 4,966 |
Extraordinary gains, net | $0 | 4 |
Net income | $-1,944,000 | 4,966 |
Minority interest net income | $0 | 65 |
Net income of bank and minority interests. | $-1,944,000 | 4,966 |
Net charge-offs | $0 | 3,243 |
Cash dividends | $0 | 3,384 |
Sale, conversion, retirement of capital stock, net | $0 | 532 |
Net operating income | $-1,944,000 | 4,968 |
2020-06-30 (YTD Data) | Rank | |
Total interest income | $233,000 | 5,030 |
Total interest expense | $15,000 | 5,017 |
Net interest income | $218,000 | 5,025 |
Provision for loan and lease losses | $236,000 | 2,266 |
Total noninterest income | $2,000 | 5,000 |
Gross Fiduciary activities income | $0 | 970 |
Service charges on deposit accounts | $1,000 | 4,904 |
Trading account gains and fees | $0 | 123 |
Additional Noninterest Income | $1,000 | 4,957 |
Total noninterest expense | $1,361,000 | 3,952 |
Salaries and employee benefits | $888,000 | 3,739 |
Premises and equipment expense | $110,000 | 4,193 |
Additional noninterest expense | $363,000 | 4,109 |
Pre-tax net operating income | $-1,377,000 | 4,990 |
Securities gains (losses) | $0 | 2,249 |
Applicable income taxes | $0 | 3,655 |
Income before extraordinary items | $-1,377,000 | 4,982 |
Extraordinary gains, net | $0 | 4 |
Net income | $-1,377,000 | 4,982 |
Minority interest net income | $0 | 65 |
Net income of bank and minority interests. | $-1,377,000 | 4,982 |
Net charge-offs | $0 | 3,033 |
Cash dividends | $0 | 3,237 |
Sale, conversion, retirement of capital stock, net | $0 | 504 |
Net operating income | $-1,377,000 | 4,988 |
2020-03-31 (YTD Data) | Rank | |
Total interest income | $70,000 | 5,104 |
Total interest expense | $0 | 5,101 |
Net interest income | $70,000 | 5,098 |
Provision for loan and lease losses | $66,000 | 2,307 |
Total noninterest income | $1,000 | 5,045 |
Gross Fiduciary activities income | $0 | 941 |
Service charges on deposit accounts | $0 | 4,968 |
Trading account gains and fees | $0 | 106 |
Additional Noninterest Income | $1,000 | 4,977 |
Total noninterest expense | $659,000 | 4,027 |
Salaries and employee benefits | $422,000 | 3,845 |
Premises and equipment expense | $55,000 | 4,213 |
Additional noninterest expense | $182,000 | 4,154 |
Pre-tax net operating income | $-654,000 | 5,001 |
Securities gains (losses) | $0 | 1,705 |
Applicable income taxes | $0 | 3,513 |
Income before extraordinary items | $-654,000 | 4,976 |
Extraordinary gains, net | $0 | 4 |
Net income | $-654,000 | 4,977 |
Minority interest net income | $0 | 56 |
Net income of bank and minority interests. | $-654,000 | 4,976 |
Net charge-offs | $0 | 2,581 |
Cash dividends | $0 | 2,639 |
Sale, conversion, retirement of capital stock, net | $0 | 482 |
Net operating income | $-654,000 | 5,002 |
2019-12-31 (YTD Data) | Rank | |
Total interest income | $218,000 | 5,166 |
Total interest expense | $0 | 5,167 |
Net interest income | $218,000 | 5,163 |
Provision for loan and lease losses | $1,000 | 3,963 |
Total noninterest income | $0 | 5,130 |
Gross Fiduciary activities income | $0 | 1,051 |
Service charges on deposit accounts | $0 | 5,055 |
Trading account gains and fees | $0 | 135 |
Additional Noninterest Income | $0 | 5,067 |
Total noninterest expense | $1,031,000 | 4,920 |
Salaries and employee benefits | $673,000 | 4,841 |
Premises and equipment expense | $15,000 | 5,153 |
Additional noninterest expense | $343,000 | 4,863 |
Pre-tax net operating income | $-814,000 | 5,083 |
Securities gains (losses) | $0 | 2,379 |
Applicable income taxes | $60,000 | 3,234 |
Income before extraordinary items | $-874,000 | 5,090 |
Extraordinary gains, net | $0 | 11 |
Net income | $-874,000 | 5,091 |
Minority interest net income | $0 | 76 |
Net income of bank and minority interests. | $-874,000 | 5,091 |
Net charge-offs | $0 | 3,726 |
Cash dividends | $0 | 3,944 |
Sale, conversion, retirement of capital stock, net | $20,695,000 | 42 |
Net operating income | $-874,000 | 5,081 |
* 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.