Home > Waukee State Bank > Income and Expense

Waukee State Bank, Income and Expense

2006-06-30 (YTD Data)		Rank
Total interest income	$1,549,000	6,725
Total interest expense	$692,000	6,162
Net interest income	$857,000	7,028
Provision for loan and lease losses	$12,000	5,878
Total noninterest income	$171,000	5,971
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$113,000	4,738
Trading account gains and fees	$0	126
Additional Noninterest Income	$58,000	6,139
Total noninterest expense	$738,000	6,974
Salaries and employee benefits	$428,000	6,812
Premises and equipment expense	$146,000	5,844
Additional noninterest expense	$164,000	7,468
Pre-tax net operating income	$278,000	6,601
Securities gains (losses)	$0	1,185
Applicable income taxes	$89,000	4,668
Income before extraordinary items	$189,000	6,828
Extraordinary gains, net	$0	39
Net income	$189,000	6,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,074
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$189,000	6,838
2006-03-31 (YTD Data)		Rank
Total interest income	$772,000	6,720
Total interest expense	$344,000	6,078
Net interest income	$428,000	7,056
Provision for loan and lease losses	$7,000	5,519
Total noninterest income	$82,000	6,027
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$53,000	4,817
Trading account gains and fees	$0	115
Additional Noninterest Income	$29,000	6,131
Total noninterest expense	$379,000	6,907
Salaries and employee benefits	$222,000	6,737
Premises and equipment expense	$74,000	5,831
Additional noninterest expense	$83,000	7,448
Pre-tax net operating income	$124,000	6,757
Securities gains (losses)	$0	955
Applicable income taxes	$38,000	4,781
Income before extraordinary items	$86,000	6,955
Extraordinary gains, net	$0	21
Net income	$86,000	6,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,481
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$86,000	6,953
2005-12-31 (YTD Data)		Rank
Total interest income	$2,906,000	6,669
Total interest expense	$1,181,000	5,844
Net interest income	$1,725,000	6,993
Provision for loan and lease losses	$-33,000	8,548
Total noninterest income	$309,000	6,267
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$186,000	5,184
Trading account gains and fees	$0	138
Additional Noninterest Income	$123,000	6,081
Total noninterest expense	$1,496,000	6,889
Salaries and employee benefits	$874,000	6,709
Premises and equipment expense	$292,000	5,802
Additional noninterest expense	$330,000	7,468
Pre-tax net operating income	$571,000	6,521
Securities gains (losses)	$0	2,296
Applicable income taxes	$184,000	4,770
Income before extraordinary items	$387,000	6,832
Extraordinary gains, net	$0	46
Net income	$387,000	6,833
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	3,872
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$387,000	6,802
2005-09-30 (YTD Data)		Rank
Total interest income	$2,147,000	6,697
Total interest expense	$838,000	5,889
Net interest income	$1,309,000	7,004
Provision for loan and lease losses	$-17,000	8,610
Total noninterest income	$215,000	6,441
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$139,000	5,232
Trading account gains and fees	$0	126
Additional Noninterest Income	$76,000	6,399
Total noninterest expense	$1,119,000	6,897
Salaries and employee benefits	$653,000	6,719
Premises and equipment expense	$219,000	5,809
Additional noninterest expense	$247,000	7,460
Pre-tax net operating income	$422,000	6,698
Securities gains (losses)	$0	2,317
Applicable income taxes	$138,000	4,895
Income before extraordinary items	$284,000	6,998
Extraordinary gains, net	$0	35
Net income	$284,000	6,996
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	3,519
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$284,000	6,959
2005-06-30 (YTD Data)		Rank
Total interest income	$1,402,000	6,714
Total interest expense	$520,000	5,937
Net interest income	$882,000	6,980
Provision for loan and lease losses	$15,000	5,851
Total noninterest income	$176,000	6,026
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$96,000	5,125
Trading account gains and fees	$0	116
Additional Noninterest Income	$80,000	5,615
Total noninterest expense	$749,000	6,914
Salaries and employee benefits	$435,000	6,723
Premises and equipment expense	$153,000	5,650
Additional noninterest expense	$161,000	7,496
Pre-tax net operating income	$294,000	6,617
Securities gains (losses)	$0	2,146
Applicable income taxes	$99,000	4,823
Income before extraordinary items	$195,000	6,973
Extraordinary gains, net	$0	30
Net income	$195,000	6,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	2,718
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$195,000	6,918
2005-03-31 (YTD Data)		Rank
Total interest income	$695,000	6,767
Total interest expense	$248,000	5,985
Net interest income	$447,000	6,999
Provision for loan and lease losses	$8,000	5,590
Total noninterest income	$73,000	6,353
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$50,000	4,996
Trading account gains and fees	$0	115
Additional Noninterest Income	$23,000	6,629
Total noninterest expense	$369,000	6,989
Salaries and employee benefits	$219,000	6,759
Premises and equipment expense	$74,000	5,787
Additional noninterest expense	$76,000	7,655
Pre-tax net operating income	$143,000	6,657
Securities gains (losses)	$0	1,685
Applicable income taxes	$49,000	4,779
Income before extraordinary items	$94,000	7,002
Extraordinary gains, net	$0	24
Net income	$94,000	7,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,060
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$94,000	6,975
2004-12-31 (YTD Data)		Rank
Total interest income	$2,753,000	6,657
Total interest expense	$1,076,000	5,450
Net interest income	$1,677,000	7,071
Provision for loan and lease losses	$30,000	6,416
Total noninterest income	$330,000	6,211
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$188,000	5,353
Trading account gains and fees	$0	138
Additional Noninterest Income	$142,000	5,787
Total noninterest expense	$1,493,000	6,892
Salaries and employee benefits	$819,000	6,860
Premises and equipment expense	$303,000	5,656
Additional noninterest expense	$371,000	7,282
Pre-tax net operating income	$484,000	6,759
Securities gains (losses)	$29,000	2,137
Applicable income taxes	$178,000	4,892
Income before extraordinary items	$335,000	7,080
Extraordinary gains, net	$0	34
Net income	$335,000	7,081
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	3,989
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$316,150	7,107
2004-09-30 (YTD Data)		Rank
Total interest income	$2,043,000	6,701
Total interest expense	$818,000	5,386
Net interest income	$1,225,000	7,146
Provision for loan and lease losses	$30,000	5,981
Total noninterest income	$258,000	6,152
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$145,000	5,337
Trading account gains and fees	$0	134
Additional Noninterest Income	$113,000	5,689
Total noninterest expense	$1,103,000	6,913
Salaries and employee benefits	$602,000	6,889
Premises and equipment expense	$231,000	5,580
Additional noninterest expense	$270,000	7,330
Pre-tax net operating income	$350,000	6,957
Securities gains (losses)	$29,000	2,064
Applicable income taxes	$130,000	5,038
Income before extraordinary items	$249,000	7,209
Extraordinary gains, net	$0	26
Net income	$249,000	7,210
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	3,698
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$229,860	7,247
2004-06-30 (YTD Data)		Rank
Total interest income	$1,365,000	6,735
Total interest expense	$559,000	5,329
Net interest income	$806,000	7,207
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$166,000	6,244
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$96,000	5,356
Trading account gains and fees	$0	130
Additional Noninterest Income	$70,000	5,848
Total noninterest expense	$715,000	7,026
Salaries and employee benefits	$384,000	7,043
Premises and equipment expense	$154,000	5,586
Additional noninterest expense	$177,000	7,409
Pre-tax net operating income	$227,000	7,001
Securities gains (losses)	$22,000	1,980
Applicable income taxes	$85,000	5,047
Income before extraordinary items	$164,000	7,226
Extraordinary gains, net	$0	21
Net income	$164,000	7,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	2,947
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$149,480	7,271
2004-03-31 (YTD Data)		Rank
Total interest income	$673,000	6,813
Total interest expense	$274,000	5,449
Net interest income	$399,000	7,262
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$79,000	6,323
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$46,000	5,389
Trading account gains and fees	$0	121
Additional Noninterest Income	$33,000	5,928
Total noninterest expense	$350,000	7,116
Salaries and employee benefits	$189,000	7,137
Premises and equipment expense	$79,000	5,553
Additional noninterest expense	$82,000	7,590
Pre-tax net operating income	$113,000	6,952
Securities gains (losses)	$22,000	1,655
Applicable income taxes	$46,000	4,955
Income before extraordinary items	$89,000	7,081
Extraordinary gains, net	$0	16
Net income	$89,000	7,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$74,480	7,256
2003-12-31 (YTD Data)		Rank
Total interest income	$2,872,000	6,667
Total interest expense	$1,375,000	5,147
Net interest income	$1,497,000	7,371
Provision for loan and lease losses	$50,000	6,256
Total noninterest income	$306,000	6,553
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$148,000	5,881
Trading account gains and fees	$0	160
Additional Noninterest Income	$158,000	5,740
Total noninterest expense	$1,518,000	6,855
Salaries and employee benefits	$825,000	6,825
Premises and equipment expense	$294,000	5,715
Additional noninterest expense	$399,000	7,165
Pre-tax net operating income	$235,000	7,700
Securities gains (losses)	$56,000	2,403
Applicable income taxes	$97,000	5,754
Income before extraordinary items	$194,000	7,794
Extraordinary gains, net	$0	54
Net income	$194,000	7,796
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,704
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$156,480	7,859
2003-09-30 (YTD Data)		Rank
Total interest income	$2,197,000	6,688
Total interest expense	$1,086,000	5,122
Net interest income	$1,111,000	7,444
Provision for loan and lease losses	$25,000	6,589
Total noninterest income	$240,000	6,509
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$104,000	6,055
Trading account gains and fees	$0	153
Additional Noninterest Income	$136,000	5,527
Total noninterest expense	$1,149,000	6,830
Salaries and employee benefits	$653,000	6,687
Premises and equipment expense	$216,000	5,767
Additional noninterest expense	$280,000	7,320
Pre-tax net operating income	$177,000	7,837
Securities gains (losses)	$46,000	2,381
Applicable income taxes	$76,000	5,850
Income before extraordinary items	$147,000	7,923
Extraordinary gains, net	$0	40
Net income	$147,000	7,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	6,184
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$116,640	7,985
2003-06-30 (YTD Data)		Rank
Total interest income	$1,520,000	6,607
Total interest expense	$745,000	5,152
Net interest income	$775,000	7,356
Provision for loan and lease losses	$25,000	6,080
Total noninterest income	$150,000	6,647
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$66,000	6,137
Trading account gains and fees	$0	150
Additional Noninterest Income	$84,000	5,643
Total noninterest expense	$765,000	6,849
Salaries and employee benefits	$436,000	6,705
Premises and equipment expense	$144,000	5,786
Additional noninterest expense	$185,000	7,335
Pre-tax net operating income	$135,000	7,723
Securities gains (losses)	$27,000	2,433
Applicable income taxes	$59,000	5,754
Income before extraordinary items	$103,000	7,925
Extraordinary gains, net	$0	30
Net income	$103,000	7,926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,879
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$85,720	7,933
2003-03-31 (YTD Data)		Rank
Total interest income	$753,000	6,678
Total interest expense	$375,000	5,223
Net interest income	$378,000	7,424
Provision for loan and lease losses	$15,000	5,504
Total noninterest income	$85,000	6,273
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$33,000	6,078
Trading account gains and fees	$0	134
Additional Noninterest Income	$52,000	5,197
Total noninterest expense	$389,000	6,804
Salaries and employee benefits	$221,000	6,675
Premises and equipment expense	$70,000	5,840
Additional noninterest expense	$98,000	7,195
Pre-tax net operating income	$59,000	7,854
Securities gains (losses)	$27,000	1,749
Applicable income taxes	$33,000	5,621
Income before extraordinary items	$53,000	7,823
Extraordinary gains, net	$0	21
Net income	$53,000	7,823
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$35,720	8,038
2002-12-31 (YTD Data)		Rank
Total interest income	$3,287,000	6,549
Total interest expense	$1,766,000	5,209
Net interest income	$1,521,000	7,403
Provision for loan and lease losses	$98,000	5,774
Total noninterest income	$258,000	6,791
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$130,000	6,118
Trading account gains and fees	$0	153
Additional Noninterest Income	$128,000	5,935
Total noninterest expense	$1,424,000	7,013
Salaries and employee benefits	$789,000	6,926
Premises and equipment expense	$285,000	5,732
Additional noninterest expense	$350,000	7,470
Pre-tax net operating income	$257,000	7,718
Securities gains (losses)	$91,000	1,841
Applicable income taxes	$54,000	6,479
Income before extraordinary items	$294,000	7,349
Extraordinary gains, net	$0	70
Net income	$294,000	7,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,762
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$217,560	7,662
2001-12-31 (YTD Data)		Rank
Total interest income	$3,424,000	6,826
Total interest expense	$2,210,000	5,799
Net interest income	$1,214,000	7,850
Provision for loan and lease losses	$90,000	5,778
Total noninterest income	$209,000	7,223
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$113,000	6,354
Trading account gains and fees	$0	177
Additional Noninterest Income	$96,000	6,520
Total noninterest expense	$1,251,000	7,326
Salaries and employee benefits	$682,000	7,278
Premises and equipment expense	$274,000	5,820
Additional noninterest expense	$295,000	7,895
Pre-tax net operating income	$82,000	8,417
Securities gains (losses)	$19,000	3,188
Applicable income taxes	$1,000	7,858
Income before extraordinary items	$100,000	8,335
Extraordinary gains, net	$0	105
Net income	$100,000	8,333
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,802
Cash dividends	$12,000	6,505
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$81,190	8,338
2000-12-31 (YTD Data)		Rank
Total interest income	$3,176,000	7,228
Total interest expense	$2,006,000	6,268
Net interest income	$1,170,000	8,135
Provision for loan and lease losses	$61,000	6,164
Total noninterest income	$172,000	7,583
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	6,874
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	6,735
Total noninterest expense	$1,120,000	7,693
Salaries and employee benefits	$572,000	7,853
Premises and equipment expense	$257,000	5,950
Additional noninterest expense	$291,000	8,015
Pre-tax net operating income	$161,000	8,546
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$-27,000	9,405
Income before extraordinary items	$189,000	8,140
Extraordinary gains, net	$0	38
Net income	$189,000	8,138
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,683
Cash dividends	$47,000	6,455
Sale, conversion, retirement of capital stock, net	$-5,000	9,728
Net operating income	$188,000	8,146
1999-12-31 (YTD Data)		Rank
Total interest income	$2,480,000	7,931
Total interest expense	$1,460,000	7,078
Net interest income	$1,020,000	8,588
Provision for loan and lease losses	$77,000	5,736
Total noninterest income	$116,000	8,584
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	7,196
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	8,465
Total noninterest expense	$981,000	8,187
Salaries and employee benefits	$448,000	8,631
Premises and equipment expense	$250,000	6,047
Additional noninterest expense	$283,000	8,269
Pre-tax net operating income	$78,000	9,152
Securities gains (losses)	$0	3,155
Applicable income taxes	$-32,000	9,766
Income before extraordinary items	$110,000	8,894
Extraordinary gains, net	$0	35
Net income	$110,000	8,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,178
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$110,000	8,861
1998-12-31 (YTD Data)		Rank
Total interest income	$1,740,000	9,004
Total interest expense	$1,024,000	8,354
Net interest income	$716,000	9,458
Provision for loan and lease losses	$109,000	4,942
Total noninterest income	$81,000	9,337
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$45,000	8,166
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	8,704
Total noninterest expense	$819,000	8,716
Salaries and employee benefits	$386,000	9,052
Premises and equipment expense	$207,000	6,600
Additional noninterest expense	$226,000	8,835
Pre-tax net operating income	$-131,000	9,939
Securities gains (losses)	$17,000	2,560
Applicable income taxes	$-36,000	10,103
Income before extraordinary items	$-78,000	9,936
Extraordinary gains, net	$0	32
Net income	$-78,000	9,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,956
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-89,560	9,907
1997-12-31 (YTD Data)		Rank
Total interest income	$829,000	10,457
Total interest expense	$421,000	10,295
Net interest income	$408,000	10,544
Provision for loan and lease losses	$133,000	4,398
Total noninterest income	$45,000	10,368
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	9,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	9,587
Total noninterest expense	$710,000	9,368
Salaries and employee benefits	$357,000	9,548
Premises and equipment expense	$142,000	7,983
Additional noninterest expense	$211,000	9,259
Pre-tax net operating income	$-390,000	10,692
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-390,000	10,720
Extraordinary gains, net	$0	44
Net income	$-390,000	10,720
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-390,000	10,700
1996-12-31 (YTD Data)		Rank
Total interest income	$210,000	11,370
Total interest expense	$54,000	11,366
Net interest income	$156,000	11,357
Provision for loan and lease losses	$48,000	6,700
Total noninterest income	$3,000	11,374
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$2,000	9,861
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,000	11,358
Total noninterest expense	$371,000	11,060
Salaries and employee benefits	$204,000	10,994
Premises and equipment expense	$59,000	10,387
Additional noninterest expense	$108,000	11,014
Pre-tax net operating income	$-260,000	11,110
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$-260,000	11,151
Extraordinary gains, net	$0	53
Net income	$-260,000	11,149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-260,000	11,117

* 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.