Home > The Sparks State Bank > Income and Expense
The Sparks State Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,612,000 | 1,842 |
| Total interest expense | $6,638,000 | 2,421 |
| Net interest income | $11,974,000 | 1,492 |
| Provision for loan and lease losses | $165,000 | 4,586 |
| Total noninterest income | $1,349,000 | 2,708 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $593,000 | 2,456 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $756,000 | 2,466 |
| Total noninterest expense | $4,887,000 | 2,883 |
| Salaries and employee benefits | $2,939,000 | 2,558 |
| Premises and equipment expense | $494,000 | 3,912 |
| Additional noninterest expense | $1,454,000 | 2,955 |
| Pre-tax net operating income | $8,271,000 | 914 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,740,000 | 901 |
| Income before extraordinary items | $5,531,000 | 994 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,531,000 | 995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,176 |
| Cash dividends | $3,887,000 | 756 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,531,000 | 952 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,490,000 | 1,891 |
| Total interest expense | $6,549,000 | 2,552 |
| Net interest income | $11,941,000 | 1,470 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $1,081,000 | 2,975 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $533,000 | 2,539 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $548,000 | 2,797 |
| Total noninterest expense | $4,433,000 | 3,039 |
| Salaries and employee benefits | $2,559,000 | 2,773 |
| Premises and equipment expense | $472,000 | 3,966 |
| Additional noninterest expense | $1,402,000 | 2,981 |
| Pre-tax net operating income | $8,239,000 | 938 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,748,000 | 888 |
| Income before extraordinary items | $5,491,000 | 978 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,491,000 | 978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,408 |
| Cash dividends | $3,856,000 | 782 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,491,000 | 975 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,810,000 | 1,938 |
| Total interest expense | $5,735,000 | 2,567 |
| Net interest income | $11,075,000 | 1,566 |
| Provision for loan and lease losses | $550,000 | 1,631 |
| Total noninterest income | $1,295,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $526,000 | 2,517 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $769,000 | 2,213 |
| Total noninterest expense | $4,262,000 | 3,126 |
| Salaries and employee benefits | $2,573,000 | 2,729 |
| Premises and equipment expense | $404,000 | 4,497 |
| Additional noninterest expense | $1,285,000 | 3,243 |
| Pre-tax net operating income | $7,558,000 | 1,026 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,546,000 | 999 |
| Income before extraordinary items | $5,012,000 | 1,090 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,012,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,829 |
| Cash dividends | $3,456,000 | 867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,012,000 | 1,071 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,557,000 | 1,950 |
| Total interest expense | $6,035,000 | 2,508 |
| Net interest income | $10,522,000 | 1,620 |
| Provision for loan and lease losses | $333,000 | 2,393 |
| Total noninterest income | $899,000 | 3,324 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $452,000 | 2,802 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $447,000 | 3,208 |
| Total noninterest expense | $4,244,000 | 3,063 |
| Salaries and employee benefits | $2,563,000 | 2,641 |
| Premises and equipment expense | $462,000 | 3,922 |
| Additional noninterest expense | $1,219,000 | 3,318 |
| Pre-tax net operating income | $6,844,000 | 1,105 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $2,302,000 | 1,089 |
| Income before extraordinary items | $4,544,000 | 1,179 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,544,000 | 1,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,910 |
| Cash dividends | $3,224,000 | 924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,542,680 | 1,143 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,018,000 | 2,031 |
| Total interest expense | $6,053,000 | 2,472 |
| Net interest income | $9,965,000 | 1,752 |
| Provision for loan and lease losses | $242,000 | 3,006 |
| Total noninterest income | $830,000 | 3,486 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $404,000 | 3,199 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $426,000 | 3,155 |
| Total noninterest expense | $4,490,000 | 2,827 |
| Salaries and employee benefits | $2,723,000 | 2,441 |
| Premises and equipment expense | $494,000 | 3,751 |
| Additional noninterest expense | $1,273,000 | 3,178 |
| Pre-tax net operating income | $6,063,000 | 1,290 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,049,000 | 1,295 |
| Income before extraordinary items | $4,014,000 | 1,364 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,014,000 | 1,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,759 |
| Cash dividends | $2,938,000 | 970 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,014,000 | 1,321 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,878,000 | 2,122 |
| Total interest expense | $6,358,000 | 2,424 |
| Net interest income | $9,520,000 | 1,869 |
| Provision for loan and lease losses | $250,000 | 2,928 |
| Total noninterest income | $796,000 | 3,727 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $419,000 | 3,216 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $377,000 | 3,514 |
| Total noninterest expense | $4,294,000 | 3,137 |
| Salaries and employee benefits | $2,643,000 | 2,522 |
| Premises and equipment expense | $569,000 | 3,379 |
| Additional noninterest expense | $1,082,000 | 4,121 |
| Pre-tax net operating income | $5,772,000 | 1,247 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,027,000 | 1,217 |
| Income before extraordinary items | $3,745,000 | 1,327 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,745,000 | 1,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,679 |
| Cash dividends | $2,460,000 | 1,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,745,000 | 1,295 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,486,000 | 2,181 |
| Total interest expense | $6,542,000 | 2,375 |
| Net interest income | $8,944,000 | 2,009 |
| Provision for loan and lease losses | $869,000 | 1,064 |
| Total noninterest income | $696,000 | 4,105 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $426,000 | 3,154 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $270,000 | 4,269 |
| Total noninterest expense | $5,067,000 | 2,682 |
| Salaries and employee benefits | $2,575,000 | 2,602 |
| Premises and equipment expense | $573,000 | 3,338 |
| Additional noninterest expense | $1,919,000 | 2,491 |
| Pre-tax net operating income | $3,704,000 | 1,985 |
| Securities gains (losses) | $-218,000 | 11,691 |
| Applicable income taxes | $1,286,000 | 1,897 |
| Income before extraordinary items | $2,200,000 | 2,298 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,200,000 | 2,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,645 |
| Cash dividends | $964,000 | 2,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,339,520 | 2,128 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,329,000 | 2,292 |
| Total interest expense | $5,490,000 | 2,267 |
| Net interest income | $7,839,000 | 2,293 |
| Provision for loan and lease losses | $33,000 | 6,965 |
| Total noninterest income | $709,000 | 4,080 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $414,000 | 3,282 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $295,000 | 4,132 |
| Total noninterest expense | $4,726,000 | 2,921 |
| Salaries and employee benefits | $2,552,000 | 2,608 |
| Premises and equipment expense | $552,000 | 3,506 |
| Additional noninterest expense | $1,622,000 | 3,093 |
| Pre-tax net operating income | $3,789,000 | 1,875 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $1,393,000 | 1,658 |
| Income before extraordinary items | $2,397,000 | 2,041 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,397,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,425 |
| Cash dividends | $643,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $358,000 | 603 |
| Net operating income | $2,396,360 | 2,052 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,827,000 | 2,405 |
| Total interest expense | $5,486,000 | 2,359 |
| Net interest income | $7,341,000 | 2,439 |
| Provision for loan and lease losses | $351,000 | 2,700 |
| Total noninterest income | $724,000 | 4,332 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $452,000 | 3,064 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $272,000 | 4,747 |
| Total noninterest expense | $4,228,000 | 3,318 |
| Salaries and employee benefits | $2,395,000 | 2,762 |
| Premises and equipment expense | $509,000 | 3,807 |
| Additional noninterest expense | $1,324,000 | 3,877 |
| Pre-tax net operating income | $3,486,000 | 1,957 |
| Securities gains (losses) | $402,000 | 1,045 |
| Applicable income taxes | $1,403,000 | 1,657 |
| Income before extraordinary items | $2,485,000 | 2,019 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,485,000 | 2,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-255,000 | 13,159 |
| Cash dividends | $528,000 | 2,941 |
| Sale, conversion, retirement of capital stock, net | $318,000 | 694 |
| Net operating income | $2,227,720 | 2,110 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,931,000 | 2,523 |
| Total interest expense | $6,695,000 | 2,521 |
| Net interest income | $7,236,000 | 2,510 |
| Provision for loan and lease losses | $279,000 | 4,321 |
| Total noninterest income | $669,000 | 4,564 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $431,000 | 3,244 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $238,000 | 5,127 |
| Total noninterest expense | $4,198,000 | 3,347 |
| Salaries and employee benefits | $2,349,000 | 2,758 |
| Premises and equipment expense | $498,000 | 3,981 |
| Additional noninterest expense | $1,351,000 | 3,914 |
| Pre-tax net operating income | $3,428,000 | 1,805 |
| Securities gains (losses) | $61,000 | 3,800 |
| Applicable income taxes | $1,274,000 | 1,655 |
| Income before extraordinary items | $2,215,000 | 2,076 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,215,000 | 2,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 13,212 |
| Cash dividends | $472,000 | 2,941 |
| Sale, conversion, retirement of capital stock, net | $206,000 | 720 |
| Net operating income | $2,175,960 | 1,936 |
* 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.