Home > Zapp National Bank of St. Cloud > Income and Expense
Zapp National Bank of St. Cloud, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $21,016,000 | 1,536 |
| Total interest expense | $8,441,000 | 1,813 |
| Net interest income | $12,575,000 | 1,348 |
| Provision for loan and lease losses | $550,000 | 1,597 |
| Total noninterest income | $3,298,000 | 1,254 |
| Gross Fiduciary activities income | $2,449,000 | 281 |
| Service charges on deposit accounts | $615,000 | 2,081 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $234,000 | 4,560 |
| Total noninterest expense | $10,295,000 | 1,289 |
| Salaries and employee benefits | $3,844,000 | 1,717 |
| Premises and equipment expense | $1,949,000 | 996 |
| Additional noninterest expense | $4,502,000 | 1,024 |
| Pre-tax net operating income | $5,028,000 | 1,467 |
| Securities gains (losses) | $-9,000 | 10,176 |
| Applicable income taxes | $2,574,000 | 996 |
| Income before extraordinary items | $2,445,000 | 2,132 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,445,000 | 2,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,412 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,450,760 | 2,059 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $945,000 | 10,355 |
| Total interest expense | $501,000 | 10,102 |
| Net interest income | $444,000 | 10,496 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $85,000 | 9,672 |
| Gross Fiduciary activities income | $41,000 | 1,200 |
| Service charges on deposit accounts | $40,000 | 8,677 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,000 | 10,710 |
| Total noninterest expense | $311,000 | 10,678 |
| Salaries and employee benefits | $152,000 | 10,720 |
| Premises and equipment expense | $41,000 | 10,416 |
| Additional noninterest expense | $118,000 | 10,366 |
| Pre-tax net operating income | $218,000 | 9,480 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $86,000 | 8,645 |
| Income before extraordinary items | $132,000 | 9,752 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $132,000 | 9,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $960,000 | 2,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $132,000 | 9,706 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,279,000 | 1,855 |
| Total interest expense | $7,097,000 | 2,188 |
| Net interest income | $11,182,000 | 1,589 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $3,874,000 | 1,141 |
| Gross Fiduciary activities income | $2,071,000 | 354 |
| Service charges on deposit accounts | $739,000 | 1,838 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,064,000 | 1,736 |
| Total noninterest expense | $9,634,000 | 1,480 |
| Salaries and employee benefits | $4,299,000 | 1,548 |
| Premises and equipment expense | $1,985,000 | 1,063 |
| Additional noninterest expense | $3,350,000 | 1,574 |
| Pre-tax net operating income | $5,362,000 | 1,330 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $2,073,000 | 1,192 |
| Income before extraordinary items | $3,280,000 | 1,512 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,280,000 | 1,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 11,096 |
| Cash dividends | $1,284,000 | 1,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,285,760 | 1,477 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,255,000 | 2,075 |
| Total interest expense | $6,606,000 | 2,350 |
| Net interest income | $9,649,000 | 1,848 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $3,100,000 | 1,335 |
| Gross Fiduciary activities income | $1,876,000 | 387 |
| Service charges on deposit accounts | $780,000 | 1,743 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $444,000 | 3,101 |
| Total noninterest expense | $9,199,000 | 1,545 |
| Salaries and employee benefits | $4,025,000 | 1,644 |
| Premises and equipment expense | $1,991,000 | 1,061 |
| Additional noninterest expense | $3,183,000 | 1,620 |
| Pre-tax net operating income | $3,450,000 | 2,126 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,344,000 | 1,817 |
| Income before extraordinary items | $2,106,000 | 2,384 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,106,000 | 2,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,273 |
| Cash dividends | $1,576,000 | 1,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,106,000 | 2,361 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,820,000 | 2,216 |
| Total interest expense | $4,576,000 | 2,672 |
| Net interest income | $9,244,000 | 1,965 |
| Provision for loan and lease losses | $360,000 | 1,966 |
| Total noninterest income | $2,841,000 | 1,425 |
| Gross Fiduciary activities income | $1,701,000 | 404 |
| Service charges on deposit accounts | $786,000 | 1,723 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $354,000 | 3,687 |
| Total noninterest expense | $8,947,000 | 1,646 |
| Salaries and employee benefits | $4,006,000 | 1,670 |
| Premises and equipment expense | $1,981,000 | 1,076 |
| Additional noninterest expense | $2,960,000 | 1,828 |
| Pre-tax net operating income | $2,778,000 | 2,552 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,046,000 | 2,134 |
| Income before extraordinary items | $1,732,000 | 2,804 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,732,000 | 2,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 11,414 |
| Cash dividends | $1,024,000 | 1,857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,732,000 | 2,813 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,100,000 | 2,205 |
| Total interest expense | $4,279,000 | 2,980 |
| Net interest income | $9,821,000 | 1,829 |
| Provision for loan and lease losses | $580,000 | 1,910 |
| Total noninterest income | $2,729,000 | 1,568 |
| Gross Fiduciary activities income | $1,446,000 | 451 |
| Service charges on deposit accounts | $835,000 | 1,643 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $448,000 | 3,499 |
| Total noninterest expense | $8,742,000 | 1,738 |
| Salaries and employee benefits | $3,739,000 | 1,787 |
| Premises and equipment expense | $1,779,000 | 1,202 |
| Additional noninterest expense | $3,224,000 | 1,806 |
| Pre-tax net operating income | $3,228,000 | 2,113 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,221,000 | 1,892 |
| Income before extraordinary items | $2,007,000 | 2,507 |
| Extraordinary gains, net | $46,000 | 2,238 |
| Net income | $2,053,000 | 2,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 2,103 |
| Cash dividends | $944,000 | 1,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,007,000 | 2,353 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,934,000 | 2,352 |
| Total interest expense | $5,605,000 | 2,969 |
| Net interest income | $9,329,000 | 1,958 |
| Provision for loan and lease losses | $710,000 | 2,346 |
| Total noninterest income | $2,599,000 | 1,609 |
| Gross Fiduciary activities income | $1,177,000 | 510 |
| Service charges on deposit accounts | $873,000 | 1,547 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $549,000 | 3,005 |
| Total noninterest expense | $8,285,000 | 1,831 |
| Salaries and employee benefits | $3,451,000 | 1,907 |
| Premises and equipment expense | $1,861,000 | 1,183 |
| Additional noninterest expense | $2,973,000 | 2,012 |
| Pre-tax net operating income | $2,933,000 | 2,122 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,102,000 | 1,931 |
| Income before extraordinary items | $1,831,000 | 2,507 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,831,000 | 2,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $856,000 | 1,738 |
| Cash dividends | $768,000 | 1,987 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,831,000 | 2,324 |
* 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.