Home > The State Bank of Hallsville > Income and Expense

The State Bank of Hallsville, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,549,000	9,223
Total interest expense	$884,000	8,729
Net interest income	$665,000	9,578
Provision for loan and lease losses	$74,000	5,769
Total noninterest income	$142,000	8,349
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	6,650
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	8,965
Total noninterest expense	$1,023,000	8,041
Salaries and employee benefits	$370,000	9,157
Premises and equipment expense	$100,000	8,699
Additional noninterest expense	$553,000	6,075
Pre-tax net operating income	$-290,000	10,060
Securities gains (losses)	$29,000	2,139
Applicable income taxes	$-100,000	10,230
Income before extraordinary items	$-161,000	10,021
Extraordinary gains, net	$0	32
Net income	$-161,000	10,017
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$260,000	2,050
Cash dividends	$5,000	7,417
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-179,560	9,997
1997-12-31 (YTD Data)		Rank
Total interest income	$1,527,000	9,634
Total interest expense	$837,000	9,143
Net interest income	$690,000	9,967
Provision for loan and lease losses	$800,000	1,181
Total noninterest income	$181,000	8,108
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$157,000	6,058
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	9,645
Total noninterest expense	$821,000	8,961
Salaries and employee benefits	$353,000	9,574
Premises and equipment expense	$66,000	9,815
Additional noninterest expense	$402,000	7,336
Pre-tax net operating income	$-750,000	10,808
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$-217,000	10,803
Income before extraordinary items	$-532,000	10,764
Extraordinary gains, net	$0	44
Net income	$-532,000	10,764
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$786,000	927
Cash dividends	$5,000	7,812
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-532,710	10,746
1996-12-31 (YTD Data)		Rank
Total interest income	$1,496,000	10,117
Total interest expense	$792,000	9,667
Net interest income	$704,000	10,375
Provision for loan and lease losses	$1,557,000	743
Total noninterest income	$192,000	8,339
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$161,000	6,268
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	9,793
Total noninterest expense	$429,000	10,873
Salaries and employee benefits	$303,000	10,325
Premises and equipment expense	$36,000	11,014
Additional noninterest expense	$90,000	11,161
Pre-tax net operating income	$-1,090,000	11,348
Securities gains (losses)	$6,000	2,865
Applicable income taxes	$-421,000	11,337
Income before extraordinary items	$-663,000	11,307
Extraordinary gains, net	$0	53
Net income	$-663,000	11,307
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,240,000	777
Cash dividends	$5,000	8,271
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-666,840	11,282
1995-12-31 (YTD Data)		Rank
Total interest income	$1,575,000	10,388
Total interest expense	$672,000	10,409
Net interest income	$903,000	10,233
Provision for loan and lease losses	$208,000	2,930
Total noninterest income	$190,000	8,587
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$162,000	6,407
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	10,398
Total noninterest expense	$440,000	11,288
Salaries and employee benefits	$298,000	10,769
Premises and equipment expense	$30,000	11,619
Additional noninterest expense	$112,000	11,499
Pre-tax net operating income	$445,000	8,778
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$174,000	7,859
Income before extraordinary items	$275,000	9,184
Extraordinary gains, net	$0	65
Net income	$275,000	9,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	2,928
Cash dividends	$5,000	8,648
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$272,440	9,175
1994-12-31 (YTD Data)		Rank
Total interest income	$1,459,000	10,823
Total interest expense	$623,000	10,499
Net interest income	$836,000	10,932
Provision for loan and lease losses	$78,000	5,081
Total noninterest income	$167,000	9,366
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	7,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,043
Total noninterest expense	$466,000	11,774
Salaries and employee benefits	$301,000	11,193
Premises and equipment expense	$27,000	12,284
Additional noninterest expense	$138,000	11,935
Pre-tax net operating income	$459,000	8,925
Securities gains (losses)	$-75,000	11,346
Applicable income taxes	$124,000	8,842
Income before extraordinary items	$260,000	9,586
Extraordinary gains, net	$0	249
Net income	$260,000	9,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	3,836
Cash dividends	$5,000	8,858
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$311,000	9,098
1993-12-31 (YTD Data)		Rank
Total interest income	$1,375,000	11,503
Total interest expense	$589,000	11,204
Net interest income	$786,000	11,548
Provision for loan and lease losses	$50,000	7,415
Total noninterest income	$196,000	9,304
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$158,000	6,889
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	10,795
Total noninterest expense	$496,000	12,190
Salaries and employee benefits	$274,000	11,937
Premises and equipment expense	$50,000	12,210
Additional noninterest expense	$172,000	12,128
Pre-tax net operating income	$436,000	9,127
Securities gains (losses)	$226,000	1,553
Applicable income taxes	$218,000	7,290
Income before extraordinary items	$444,000	8,019
Extraordinary gains, net	$0	3,149
Net income	$444,000	8,189
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	9,155
Cash dividends	$5,000	8,993
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$292,580	9,312
1992-12-31 (YTD Data)		Rank
Total interest income	$1,518,000	11,924
Total interest expense	$748,000	11,586
Net interest income	$770,000	12,027
Provision for loan and lease losses	$100,000	7,236
Total noninterest income	$203,000	9,360
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	6,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	11,703
Total noninterest expense	$435,000	12,988
Salaries and employee benefits	$263,000	12,461
Premises and equipment expense	$55,000	12,495
Additional noninterest expense	$117,000	13,361
Pre-tax net operating income	$438,000	8,907
Securities gains (losses)	$63,000	3,745
Applicable income taxes	$155,000	8,485
Income before extraordinary items	$346,000	8,763
Extraordinary gains, net	$0	1,422
Net income	$346,000	8,902
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	6,366
Cash dividends	$5,000	8,820
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$302,530	8,911

* 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.