Home > Zook & Roecker State Bank > Income and Expense
Zook & Roecker State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,192,000 | 10,076 |
| Total interest expense | $555,000 | 9,951 |
| Net interest income | $637,000 | 10,099 |
| Provision for loan and lease losses | $7,000 | 8,548 |
| Total noninterest income | $54,000 | 10,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $341,000 | 10,613 |
| Salaries and employee benefits | $217,000 | 10,456 |
| Premises and equipment expense | $41,000 | 10,416 |
| Additional noninterest expense | $83,000 | 10,677 |
| Pre-tax net operating income | $343,000 | 8,767 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $1,000 | 10,030 |
| Income before extraordinary items | $344,000 | 8,042 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $344,000 | 8,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,858 |
| Cash dividends | $210,000 | 5,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $342,000 | 8,011 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,112,000 | 10,655 |
| Total interest expense | $497,000 | 10,604 |
| Net interest income | $615,000 | 10,619 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $63,000 | 10,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,024 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,411 |
| Total noninterest expense | $342,000 | 11,131 |
| Salaries and employee benefits | $219,000 | 10,907 |
| Premises and equipment expense | $44,000 | 10,805 |
| Additional noninterest expense | $79,000 | 11,261 |
| Pre-tax net operating income | $336,000 | 8,887 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $60,000 | 9,509 |
| Income before extraordinary items | $275,000 | 8,633 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $275,000 | 8,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $140,000 | 6,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $275,820 | 8,563 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,123,000 | 11,085 |
| Total interest expense | $454,000 | 11,181 |
| Net interest income | $669,000 | 10,928 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $55,000 | 11,269 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 9,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,654 |
| Total noninterest expense | $388,000 | 11,466 |
| Salaries and employee benefits | $216,000 | 11,392 |
| Premises and equipment expense | $53,000 | 10,991 |
| Additional noninterest expense | $119,000 | 11,438 |
| Pre-tax net operating income | $296,000 | 9,766 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $86,000 | 9,471 |
| Income before extraordinary items | $212,000 | 9,807 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $212,000 | 9,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,556 |
| Cash dividends | $30,000 | 8,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $210,580 | 9,793 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 11,567 |
| Total interest expense | $311,000 | 11,991 |
| Net interest income | $764,000 | 11,168 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $48,000 | 11,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $355,000 | 12,197 |
| Salaries and employee benefits | $209,000 | 12,002 |
| Premises and equipment expense | $37,000 | 12,064 |
| Additional noninterest expense | $109,000 | 12,220 |
| Pre-tax net operating income | $412,000 | 9,273 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $120,000 | 8,923 |
| Income before extraordinary items | $281,000 | 9,360 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $281,000 | 9,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,320 |
| Cash dividends | $310,000 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $288,700 | 9,335 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,163,000 | 11,959 |
| Total interest expense | $300,000 | 12,680 |
| Net interest income | $863,000 | 11,304 |
| Provision for loan and lease losses | $118,000 | 5,382 |
| Total noninterest income | $40,000 | 12,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,569 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 13,037 |
| Total noninterest expense | $378,000 | 12,730 |
| Salaries and employee benefits | $211,000 | 12,528 |
| Premises and equipment expense | $52,000 | 12,143 |
| Additional noninterest expense | $115,000 | 12,812 |
| Pre-tax net operating income | $407,000 | 9,357 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $120,000 | 9,304 |
| Income before extraordinary items | $287,000 | 9,623 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $287,000 | 9,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $165,000 | 5,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $287,000 | 9,364 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $878,000 | 13,235 |
| Total interest expense | $324,000 | 13,415 |
| Net interest income | $554,000 | 12,896 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $36,000 | 13,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 11,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 13,603 |
| Total noninterest expense | $306,000 | 13,544 |
| Salaries and employee benefits | $172,000 | 13,393 |
| Premises and equipment expense | $39,000 | 13,096 |
| Additional noninterest expense | $95,000 | 13,571 |
| Pre-tax net operating income | $284,000 | 10,291 |
| Securities gains (losses) | $101,000 | 2,989 |
| Applicable income taxes | $120,000 | 9,356 |
| Income before extraordinary items | $265,000 | 9,725 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $265,000 | 9,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 12,871 |
| Cash dividends | $175,000 | 5,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $195,310 | 10,326 |
* 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.