Home > The Pavilion State Bank > Income and Expense
The Pavilion State Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,780,000 | 2,485 |
| Total interest expense | $5,557,000 | 2,861 |
| Net interest income | $8,223,000 | 2,182 |
| Provision for loan and lease losses | $676,000 | 1,726 |
| Total noninterest income | $1,848,000 | 2,142 |
| Gross Fiduciary activities income | $10,000 | 1,431 |
| Service charges on deposit accounts | $875,000 | 1,739 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $963,000 | 2,096 |
| Total noninterest expense | $5,626,000 | 2,513 |
| Salaries and employee benefits | $2,682,000 | 2,777 |
| Premises and equipment expense | $643,000 | 3,179 |
| Additional noninterest expense | $2,301,000 | 1,953 |
| Pre-tax net operating income | $3,769,000 | 1,864 |
| Securities gains (losses) | $340,000 | 822 |
| Applicable income taxes | $1,435,000 | 1,553 |
| Income before extraordinary items | $2,674,000 | 1,962 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,674,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,853 |
| Cash dividends | $1,363,000 | 1,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,453,000 | 2,057 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,929,000 | 2,689 |
| Total interest expense | $5,685,000 | 2,923 |
| Net interest income | $7,244,000 | 2,453 |
| Provision for loan and lease losses | $684,000 | 1,450 |
| Total noninterest income | $1,207,000 | 2,748 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $659,000 | 2,094 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $548,000 | 2,797 |
| Total noninterest expense | $4,762,000 | 2,848 |
| Salaries and employee benefits | $2,327,000 | 3,022 |
| Premises and equipment expense | $559,000 | 3,466 |
| Additional noninterest expense | $1,876,000 | 2,293 |
| Pre-tax net operating income | $3,005,000 | 2,392 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,000,000 | 2,120 |
| Income before extraordinary items | $2,005,000 | 2,561 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,005,000 | 2,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,088 |
| Cash dividends | $3,310,000 | 879 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,005,000 | 2,559 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,436,000 | 3,096 |
| Total interest expense | $4,039,000 | 3,566 |
| Net interest income | $6,397,000 | 2,744 |
| Provision for loan and lease losses | $377,000 | 2,200 |
| Total noninterest income | $1,177,000 | 2,732 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $532,000 | 2,493 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $645,000 | 2,516 |
| Total noninterest expense | $4,232,000 | 3,149 |
| Salaries and employee benefits | $2,114,000 | 3,257 |
| Premises and equipment expense | $493,000 | 3,812 |
| Additional noninterest expense | $1,625,000 | 2,654 |
| Pre-tax net operating income | $2,965,000 | 2,437 |
| Securities gains (losses) | $124,000 | 656 |
| Applicable income taxes | $1,050,000 | 2,138 |
| Income before extraordinary items | $2,039,000 | 2,545 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,039,000 | 2,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,561 |
| Cash dividends | $744,000 | 2,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,957,160 | 2,602 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,587,000 | 3,360 |
| Total interest expense | $3,994,000 | 3,692 |
| Net interest income | $5,593,000 | 3,076 |
| Provision for loan and lease losses | $380,000 | 2,152 |
| Total noninterest income | $989,000 | 3,107 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $450,000 | 2,814 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $539,000 | 2,845 |
| Total noninterest expense | $3,774,000 | 3,393 |
| Salaries and employee benefits | $1,798,000 | 3,669 |
| Premises and equipment expense | $441,000 | 4,092 |
| Additional noninterest expense | $1,535,000 | 2,710 |
| Pre-tax net operating income | $2,428,000 | 2,854 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $790,000 | 2,770 |
| Income before extraordinary items | $1,638,000 | 3,031 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,638,000 | 3,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,803 |
| Cash dividends | $655,000 | 2,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,638,000 | 2,943 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,892,000 | 3,614 |
| Total interest expense | $3,695,000 | 3,952 |
| Net interest income | $5,197,000 | 3,359 |
| Provision for loan and lease losses | $320,000 | 2,457 |
| Total noninterest income | $863,000 | 3,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $494,000 | 2,852 |
| Total noninterest expense | $3,360,000 | 3,736 |
| Salaries and employee benefits | $1,578,000 | 4,067 |
| Premises and equipment expense | $402,000 | 4,436 |
| Additional noninterest expense | $1,380,000 | 2,951 |
| Pre-tax net operating income | $2,380,000 | 3,037 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $785,000 | 2,972 |
| Income before extraordinary items | $1,595,000 | 3,176 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,595,000 | 3,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,613 |
| Cash dividends | $651,000 | 2,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,595,000 | 3,113 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,005,000 | 4,032 |
| Total interest expense | $3,068,000 | 4,685 |
| Net interest income | $4,937,000 | 3,569 |
| Provision for loan and lease losses | $220,000 | 3,199 |
| Total noninterest income | $776,000 | 3,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $440,000 | 3,193 |
| Total noninterest expense | $3,000,000 | 4,316 |
| Salaries and employee benefits | $1,462,000 | 4,413 |
| Premises and equipment expense | $348,000 | 5,029 |
| Additional noninterest expense | $1,190,000 | 3,811 |
| Pre-tax net operating income | $2,493,000 | 2,775 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $819,000 | 2,786 |
| Income before extraordinary items | $1,674,000 | 2,890 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,674,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,007 |
| Cash dividends | $590,000 | 3,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,674,000 | 2,847 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,031,000 | 4,537 |
| Total interest expense | $2,654,000 | 5,302 |
| Net interest income | $4,377,000 | 4,000 |
| Provision for loan and lease losses | $210,000 | 2,900 |
| Total noninterest income | $689,000 | 4,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,535 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $409,000 | 3,271 |
| Total noninterest expense | $2,923,000 | 4,390 |
| Salaries and employee benefits | $1,404,000 | 4,550 |
| Premises and equipment expense | $329,000 | 5,259 |
| Additional noninterest expense | $1,190,000 | 3,764 |
| Pre-tax net operating income | $1,933,000 | 3,601 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $637,000 | 3,508 |
| Income before extraordinary items | $1,296,000 | 3,698 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,296,000 | 3,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,415 |
| Cash dividends | $411,000 | 3,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,296,000 | 3,673 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,832,000 | 4,994 |
| Total interest expense | $1,865,000 | 5,921 |
| Net interest income | $3,967,000 | 4,419 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $674,000 | 4,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 5,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $426,000 | 3,281 |
| Total noninterest expense | $2,757,000 | 4,750 |
| Salaries and employee benefits | $1,444,000 | 4,426 |
| Premises and equipment expense | $309,000 | 5,586 |
| Additional noninterest expense | $1,004,000 | 4,698 |
| Pre-tax net operating income | $1,812,000 | 3,720 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $616,000 | 3,440 |
| Income before extraordinary items | $1,196,000 | 3,871 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,196,000 | 3,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $1,615,000 | 1,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,196,000 | 3,899 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,679,000 | 5,192 |
| Total interest expense | $1,826,000 | 6,272 |
| Net interest income | $3,853,000 | 4,553 |
| Provision for loan and lease losses | $72,000 | 6,563 |
| Total noninterest income | $750,000 | 4,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $506,000 | 3,245 |
| Total noninterest expense | $2,594,000 | 5,109 |
| Salaries and employee benefits | $1,325,000 | 4,795 |
| Premises and equipment expense | $273,000 | 6,295 |
| Additional noninterest expense | $996,000 | 4,939 |
| Pre-tax net operating income | $1,937,000 | 3,406 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $638,000 | 3,401 |
| Income before extraordinary items | $1,299,000 | 3,710 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,299,000 | 3,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $507,000 | 3,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,299,000 | 3,521 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,904,000 | 5,567 |
| Total interest expense | $2,295,000 | 6,417 |
| Net interest income | $3,609,000 | 4,869 |
| Provision for loan and lease losses | $87,000 | 7,678 |
| Total noninterest income | $514,000 | 5,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $295,000 | 4,481 |
| Total noninterest expense | $2,373,000 | 5,538 |
| Salaries and employee benefits | $1,221,000 | 5,083 |
| Premises and equipment expense | $254,000 | 6,707 |
| Additional noninterest expense | $898,000 | 5,533 |
| Pre-tax net operating income | $1,663,000 | 3,693 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $549,000 | 3,689 |
| Income before extraordinary items | $1,112,000 | 4,083 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,112,000 | 4,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $218,000 | 4,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,113,340 | 3,780 |
* 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.