Home > The Spurgeon State Bank > Income and Expense
The Spurgeon State Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,603,000 | 10,519 |
| Total interest expense | $590,000 | 10,645 |
| Net interest income | $1,013,000 | 10,346 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $166,000 | 9,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,565 |
| Total noninterest expense | $706,000 | 10,677 |
| Salaries and employee benefits | $285,000 | 11,348 |
| Premises and equipment expense | $117,000 | 9,478 |
| Additional noninterest expense | $304,000 | 9,926 |
| Pre-tax net operating income | $413,000 | 9,262 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $126,000 | 8,792 |
| Income before extraordinary items | $287,000 | 9,286 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $287,000 | 9,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,263 |
| Cash dividends | $190,000 | 5,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $287,000 | 9,345 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,670,000 | 10,869 |
| Total interest expense | $685,000 | 10,678 |
| Net interest income | $985,000 | 10,841 |
| Provision for loan and lease losses | $77,000 | 6,405 |
| Total noninterest income | $162,000 | 9,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,919 |
| Total noninterest expense | $694,000 | 11,201 |
| Salaries and employee benefits | $280,000 | 11,873 |
| Premises and equipment expense | $96,000 | 10,570 |
| Additional noninterest expense | $318,000 | 10,214 |
| Pre-tax net operating income | $376,000 | 9,611 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $120,000 | 9,304 |
| Income before extraordinary items | $266,000 | 9,859 |
| Extraordinary gains, net | $4,000 | 3,080 |
| Net income | $270,000 | 9,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 3,320 |
| Cash dividends | $147,000 | 6,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $259,100 | 9,679 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,956,000 | 10,979 |
| Total interest expense | $908,000 | 10,830 |
| Net interest income | $1,048,000 | 10,901 |
| Provision for loan and lease losses | $150,000 | 6,067 |
| Total noninterest income | $192,000 | 9,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 7,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $665,000 | 11,714 |
| Salaries and employee benefits | $265,000 | 12,430 |
| Premises and equipment expense | $80,000 | 11,493 |
| Additional noninterest expense | $320,000 | 10,554 |
| Pre-tax net operating income | $425,000 | 9,019 |
| Securities gains (losses) | $21,000 | 5,524 |
| Applicable income taxes | $153,000 | 8,537 |
| Income before extraordinary items | $293,000 | 9,416 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $293,000 | 9,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 5,790 |
| Cash dividends | $154,000 | 5,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $279,140 | 9,193 |
* 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.