Home > The Quincy State Bank > Income and Expense
The Quincy State Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,790,000 | 3,918 |
| Total interest expense | $1,249,000 | 5,438 |
| Net interest income | $5,541,000 | 3,408 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $2,128,000 | 2,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,439,000 | 1,209 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $689,000 | 2,994 |
| Total noninterest expense | $3,285,000 | 4,331 |
| Salaries and employee benefits | $1,701,000 | 4,441 |
| Premises and equipment expense | $275,000 | 5,924 |
| Additional noninterest expense | $1,309,000 | 3,471 |
| Pre-tax net operating income | $4,294,000 | 1,875 |
| Securities gains (losses) | $167,000 | 1,465 |
| Applicable income taxes | $1,698,000 | 1,455 |
| Income before extraordinary items | $2,763,000 | 2,195 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,763,000 | 2,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,208 |
| Cash dividends | $1,488,000 | 1,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,656,120 | 2,162 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,222,000 | 3,883 |
| Total interest expense | $995,000 | 5,398 |
| Net interest income | $4,227,000 | 3,365 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $1,581,000 | 2,273 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,082,000 | 1,209 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $499,000 | 3,143 |
| Total noninterest expense | $2,452,000 | 4,335 |
| Salaries and employee benefits | $1,248,000 | 4,482 |
| Premises and equipment expense | $215,000 | 5,784 |
| Additional noninterest expense | $989,000 | 3,435 |
| Pre-tax net operating income | $3,221,000 | 1,932 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $1,228,000 | 1,583 |
| Income before extraordinary items | $1,998,000 | 2,338 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,998,000 | 2,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $1,096,000 | 1,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,994,800 | 2,227 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 3,847 |
| Total interest expense | $700,000 | 5,344 |
| Net interest income | $2,853,000 | 3,333 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $1,079,000 | 2,228 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $731,000 | 1,168 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $348,000 | 3,028 |
| Total noninterest expense | $1,683,000 | 4,233 |
| Salaries and employee benefits | $864,000 | 4,376 |
| Premises and equipment expense | $146,000 | 5,746 |
| Additional noninterest expense | $673,000 | 3,356 |
| Pre-tax net operating income | $2,159,000 | 1,913 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $824,000 | 1,585 |
| Income before extraordinary items | $1,340,000 | 2,320 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,340,000 | 2,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $703,000 | 1,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,336,800 | 2,199 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,797,000 | 3,827 |
| Total interest expense | $359,000 | 5,376 |
| Net interest income | $1,438,000 | 3,289 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $553,000 | 2,122 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $373,000 | 1,107 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $180,000 | 2,901 |
| Total noninterest expense | $868,000 | 4,109 |
| Salaries and employee benefits | $440,000 | 4,317 |
| Premises and equipment expense | $73,000 | 5,718 |
| Additional noninterest expense | $355,000 | 3,160 |
| Pre-tax net operating income | $1,078,000 | 1,907 |
| Securities gains (losses) | $5,000 | 2,406 |
| Applicable income taxes | $412,000 | 1,577 |
| Income before extraordinary items | $671,000 | 2,284 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $671,000 | 2,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $667,800 | 2,172 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,628,000 | 3,790 |
| Total interest expense | $1,786,000 | 5,181 |
| Net interest income | $5,842,000 | 3,215 |
| Provision for loan and lease losses | $428,000 | 2,688 |
| Total noninterest income | $2,015,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,427,000 | 1,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $588,000 | 3,002 |
| Total noninterest expense | $3,589,000 | 3,878 |
| Salaries and employee benefits | $1,976,000 | 3,774 |
| Premises and equipment expense | $346,000 | 5,129 |
| Additional noninterest expense | $1,267,000 | 3,450 |
| Pre-tax net operating income | $3,840,000 | 2,053 |
| Securities gains (losses) | $210,000 | 1,128 |
| Applicable income taxes | $1,533,000 | 1,625 |
| Income before extraordinary items | $2,517,000 | 2,335 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,517,000 | 2,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 2,206 |
| Cash dividends | $1,935,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,382,600 | 2,365 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,449,000 | 3,838 |
| Total interest expense | $3,152,000 | 4,552 |
| Net interest income | $5,297,000 | 3,278 |
| Provision for loan and lease losses | $289,000 | 3,307 |
| Total noninterest income | $1,722,000 | 2,271 |
| Gross Fiduciary activities income | $360,000 | 680 |
| Service charges on deposit accounts | $1,130,000 | 1,323 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $232,000 | 4,627 |
| Total noninterest expense | $3,335,000 | 3,982 |
| Salaries and employee benefits | $1,756,000 | 3,980 |
| Premises and equipment expense | $371,000 | 4,833 |
| Additional noninterest expense | $1,208,000 | 3,477 |
| Pre-tax net operating income | $3,395,000 | 2,023 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,281,000 | 1,716 |
| Income before extraordinary items | $2,114,000 | 2,405 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,114,000 | 2,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 2,406 |
| Cash dividends | $1,993,000 | 1,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,114,000 | 2,323 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,828,000 | 3,784 |
| Total interest expense | $3,524,000 | 4,361 |
| Net interest income | $5,304,000 | 3,304 |
| Provision for loan and lease losses | $236,000 | 3,411 |
| Total noninterest income | $1,913,000 | 1,935 |
| Gross Fiduciary activities income | $363,000 | 681 |
| Service charges on deposit accounts | $1,083,000 | 1,247 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $467,000 | 3,064 |
| Total noninterest expense | $3,480,000 | 3,719 |
| Salaries and employee benefits | $1,824,000 | 3,736 |
| Premises and equipment expense | $409,000 | 4,436 |
| Additional noninterest expense | $1,247,000 | 3,303 |
| Pre-tax net operating income | $3,501,000 | 2,085 |
| Securities gains (losses) | $-30,000 | 8,946 |
| Applicable income taxes | $1,299,000 | 1,699 |
| Income before extraordinary items | $2,172,000 | 2,353 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,172,000 | 2,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,236 |
| Cash dividends | $2,030,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,191,200 | 2,351 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,694,000 | 4,075 |
| Total interest expense | $2,834,000 | 4,803 |
| Net interest income | $4,860,000 | 3,533 |
| Provision for loan and lease losses | $121,000 | 4,708 |
| Total noninterest income | $1,679,000 | 2,122 |
| Gross Fiduciary activities income | $358,000 | 731 |
| Service charges on deposit accounts | $1,100,000 | 1,206 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $221,000 | 4,715 |
| Total noninterest expense | $3,521,000 | 3,695 |
| Salaries and employee benefits | $1,972,000 | 3,480 |
| Premises and equipment expense | $431,000 | 4,271 |
| Additional noninterest expense | $1,118,000 | 3,669 |
| Pre-tax net operating income | $2,897,000 | 2,492 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $1,090,000 | 2,071 |
| Income before extraordinary items | $1,817,000 | 2,788 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,817,000 | 2,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,401 |
| Cash dividends | $1,586,000 | 1,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,810,600 | 2,756 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,877,000 | 3,994 |
| Total interest expense | $3,172,000 | 4,510 |
| Net interest income | $4,705,000 | 3,601 |
| Provision for loan and lease losses | $132,000 | 4,434 |
| Total noninterest income | $2,000,000 | 1,832 |
| Gross Fiduciary activities income | $740,000 | 528 |
| Service charges on deposit accounts | $1,062,000 | 1,184 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $198,000 | 4,980 |
| Total noninterest expense | $3,565,000 | 3,555 |
| Salaries and employee benefits | $2,117,000 | 3,165 |
| Premises and equipment expense | $439,000 | 4,104 |
| Additional noninterest expense | $1,009,000 | 3,931 |
| Pre-tax net operating income | $3,008,000 | 2,372 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,123,000 | 2,101 |
| Income before extraordinary items | $1,885,000 | 2,697 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,885,000 | 2,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,725 |
| Cash dividends | $1,667,000 | 1,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,885,000 | 2,617 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,909,000 | 4,014 |
| Total interest expense | $3,152,000 | 4,512 |
| Net interest income | $4,757,000 | 3,650 |
| Provision for loan and lease losses | $91,000 | 5,357 |
| Total noninterest income | $1,850,000 | 1,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $947,000 | 1,353 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $903,000 | 1,856 |
| Total noninterest expense | $3,614,000 | 3,505 |
| Salaries and employee benefits | $2,114,000 | 3,129 |
| Premises and equipment expense | $426,000 | 4,234 |
| Additional noninterest expense | $1,074,000 | 3,660 |
| Pre-tax net operating income | $2,902,000 | 2,559 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,073,000 | 2,299 |
| Income before extraordinary items | $1,829,000 | 2,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,829,000 | 2,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,337 |
| Cash dividends | $1,988,000 | 1,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,829,000 | 2,743 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,758,000 | 4,150 |
| Total interest expense | $2,975,000 | 4,824 |
| Net interest income | $4,783,000 | 3,689 |
| Provision for loan and lease losses | $144,000 | 4,186 |
| Total noninterest income | $1,807,000 | 2,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $972,000 | 1,386 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $835,000 | 2,043 |
| Total noninterest expense | $3,510,000 | 3,761 |
| Salaries and employee benefits | $2,093,000 | 3,194 |
| Premises and equipment expense | $399,000 | 4,546 |
| Additional noninterest expense | $1,018,000 | 4,346 |
| Pre-tax net operating income | $2,936,000 | 2,417 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,083,000 | 2,180 |
| Income before extraordinary items | $1,853,000 | 2,623 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,853,000 | 2,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,564 |
| Cash dividends | $1,618,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,853,000 | 2,580 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,706,000 | 4,151 |
| Total interest expense | $3,228,000 | 4,450 |
| Net interest income | $4,478,000 | 3,921 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $1,729,000 | 2,058 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $917,000 | 1,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $812,000 | 2,079 |
| Total noninterest expense | $3,440,000 | 3,807 |
| Salaries and employee benefits | $1,964,000 | 3,361 |
| Premises and equipment expense | $393,000 | 4,613 |
| Additional noninterest expense | $1,083,000 | 4,078 |
| Pre-tax net operating income | $2,647,000 | 2,691 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $968,000 | 2,457 |
| Income before extraordinary items | $1,679,000 | 2,931 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,679,000 | 2,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,241 |
| Cash dividends | $1,262,000 | 1,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,679,000 | 2,891 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,031,000 | 4,203 |
| Total interest expense | $2,484,000 | 4,685 |
| Net interest income | $4,547,000 | 3,889 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $1,384,000 | 2,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $791,000 | 1,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $593,000 | 2,610 |
| Total noninterest expense | $3,398,000 | 3,944 |
| Salaries and employee benefits | $1,903,000 | 3,440 |
| Premises and equipment expense | $392,000 | 4,663 |
| Additional noninterest expense | $1,103,000 | 4,346 |
| Pre-tax net operating income | $2,413,000 | 2,920 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $883,000 | 2,533 |
| Income before extraordinary items | $1,541,000 | 3,102 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,541,000 | 3,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $1,082,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,533,960 | 3,137 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,713,000 | 4,481 |
| Total interest expense | $2,339,000 | 5,091 |
| Net interest income | $4,374,000 | 4,047 |
| Provision for loan and lease losses | $234,000 | 3,587 |
| Total noninterest income | $1,405,000 | 2,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $807,000 | 1,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $598,000 | 2,904 |
| Total noninterest expense | $3,433,000 | 3,979 |
| Salaries and employee benefits | $1,848,000 | 3,527 |
| Premises and equipment expense | $385,000 | 4,866 |
| Additional noninterest expense | $1,200,000 | 4,192 |
| Pre-tax net operating income | $2,112,000 | 3,147 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $703,000 | 3,104 |
| Income before extraordinary items | $1,412,000 | 3,420 |
| Extraordinary gains, net | $-69,000 | 12,820 |
| Net income | $1,343,000 | 3,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,816 |
| Cash dividends | $874,000 | 1,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,409,990 | 3,250 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,835,000 | 4,921 |
| Total interest expense | $2,881,000 | 5,333 |
| Net interest income | $3,954,000 | 4,497 |
| Provision for loan and lease losses | $192,000 | 5,326 |
| Total noninterest income | $1,402,000 | 2,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $658,000 | 2,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $744,000 | 2,418 |
| Total noninterest expense | $3,341,000 | 4,106 |
| Salaries and employee benefits | $1,836,000 | 3,485 |
| Premises and equipment expense | $598,000 | 3,365 |
| Additional noninterest expense | $907,000 | 5,487 |
| Pre-tax net operating income | $1,823,000 | 3,384 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $614,000 | 3,370 |
| Income before extraordinary items | $1,210,000 | 3,771 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,210,000 | 3,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 5,442 |
| Cash dividends | $518,000 | 2,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,209,340 | 3,495 |
* 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.