Home > Craft Bank > Income and Expense
Craft Bank, Income and Expense
| 2023-12-31 (YTD Data) | Rank | |
| Total interest income | $13,295,000 | 2,450 |
| Total interest expense | $4,259,000 | 2,212 |
| Net interest income | $9,036,000 | 2,514 |
| Provision for loan and lease losses | $985,000 | 848 |
| Total noninterest income | $1,124,000 | 2,603 |
| Gross Fiduciary activities income | $0 | 981 |
| Service charges on deposit accounts | $30,000 | 4,065 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,094,000 | 2,192 |
| Total noninterest expense | $6,766,000 | 2,614 |
| Salaries and employee benefits | $3,182,000 | 2,866 |
| Premises and equipment expense | $440,000 | 3,132 |
| Additional noninterest expense | $1,094,000 | 2,192 |
| Pre-tax net operating income | $2,409,000 | 2,748 |
| Securities gains (losses) | $0 | 988 |
| Applicable income taxes | $-11,000 | 4,342 |
| Income before extraordinary items | $2,420,000 | 2,578 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,420,000 | 2,604 |
| Minority interest net income | $0 | 88 |
| Net income of bank and minority interests. | $2,420,000 | 2,580 |
| Net charge-offs | $125,000 | 1,373 |
| Cash dividends | $0 | 3,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 540 |
| Net operating income | $2,420,000 | 2,598 |
| 2023-09-30 (YTD Data) | Rank | |
| Total interest income | $9,367,000 | 2,515 |
| Total interest expense | $2,969,000 | 2,177 |
| Net interest income | $6,398,000 | 2,606 |
| Provision for loan and lease losses | $733,000 | 807 |
| Total noninterest income | $902,000 | 2,523 |
| Gross Fiduciary activities income | $0 | 950 |
| Service charges on deposit accounts | $20,000 | 4,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $882,000 | 2,111 |
| Total noninterest expense | $4,644,000 | 2,730 |
| Salaries and employee benefits | $2,512,000 | 2,775 |
| Premises and equipment expense | $329,000 | 3,141 |
| Additional noninterest expense | $882,000 | 2,111 |
| Pre-tax net operating income | $1,923,000 | 2,746 |
| Securities gains (losses) | $0 | 849 |
| Applicable income taxes | $303,000 | 2,106 |
| Income before extraordinary items | $1,620,000 | 2,759 |
| Extraordinary gains, net | $0 | 52 |
| Net income | $1,620,000 | 2,789 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,620,000 | 2,760 |
| Net charge-offs | $125,000 | 1,085 |
| Cash dividends | $0 | 3,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 507 |
| Net operating income | $1,620,000 | 2,784 |
| 2023-06-30 (YTD Data) | Rank | |
| Total interest income | $5,902,000 | 2,563 |
| Total interest expense | $1,860,000 | 2,110 |
| Net interest income | $4,042,000 | 2,724 |
| Provision for loan and lease losses | $385,000 | 905 |
| Total noninterest income | $375,000 | 3,024 |
| Gross Fiduciary activities income | $0 | 931 |
| Service charges on deposit accounts | $22,000 | 3,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $353,000 | 2,589 |
| Total noninterest expense | $2,962,000 | 2,791 |
| Salaries and employee benefits | $1,651,000 | 2,796 |
| Premises and equipment expense | $216,000 | 3,174 |
| Additional noninterest expense | $353,000 | 2,584 |
| Pre-tax net operating income | $1,070,000 | 2,963 |
| Securities gains (losses) | $0 | 938 |
| Applicable income taxes | $161,000 | 2,272 |
| Income before extraordinary items | $909,000 | 2,988 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $909,000 | 3,021 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $909,000 | 2,987 |
| Net charge-offs | $0 | 2,431 |
| Cash dividends | $0 | 2,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 486 |
| Net operating income | $909,000 | 3,003 |
| 2023-03-31 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 2,688 |
| Total interest expense | $732,000 | 2,188 |
| Net interest income | $1,951,000 | 2,779 |
| Provision for loan and lease losses | $184,000 | 933 |
| Total noninterest income | $164,000 | 3,168 |
| Gross Fiduciary activities income | $0 | 913 |
| Service charges on deposit accounts | $3,000 | 4,348 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 2,668 |
| Total noninterest expense | $1,508,000 | 2,797 |
| Salaries and employee benefits | $819,000 | 2,850 |
| Premises and equipment expense | $264,000 | 1,983 |
| Additional noninterest expense | $161,000 | 2,668 |
| Pre-tax net operating income | $423,000 | 3,274 |
| Securities gains (losses) | $0 | 950 |
| Applicable income taxes | $63,000 | 2,444 |
| Income before extraordinary items | $360,000 | 3,290 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $360,000 | 3,289 |
| Minority interest net income | $0 | 48 |
| Net income of bank and minority interests. | $360,000 | 3,290 |
| Net charge-offs | $0 | 2,062 |
| Cash dividends | $0 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 430 |
| Net operating income | $360,000 | 3,316 |
| 2022-12-31 (YTD Data) | Rank | |
| Total interest income | $5,999,000 | 3,243 |
| Total interest expense | $573,000 | 3,094 |
| Net interest income | $5,426,000 | 3,253 |
| Provision for loan and lease losses | $416,000 | 1,327 |
| Total noninterest income | $1,298,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,005 |
| Service charges on deposit accounts | $10,000 | 4,429 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,288,000 | 2,063 |
| Total noninterest expense | $5,487,000 | 2,895 |
| Salaries and employee benefits | $3,324,000 | 2,780 |
| Premises and equipment expense | $429,000 | 3,203 |
| Additional noninterest expense | $1,288,000 | 2,063 |
| Pre-tax net operating income | $821,000 | 3,910 |
| Securities gains (losses) | $0 | 691 |
| Applicable income taxes | $0 | 3,596 |
| Income before extraordinary items | $821,000 | 3,816 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $821,000 | 3,815 |
| Minority interest net income | $0 | 63 |
| Net income of bank and minority interests. | $821,000 | 3,816 |
| Net charge-offs | $0 | 2,620 |
| Cash dividends | $0 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 562 |
| Net operating income | $821,000 | 3,837 |
| 2022-09-30 (YTD Data) | Rank | |
| Total interest income | $3,890,000 | 3,388 |
| Total interest expense | $302,000 | 3,287 |
| Net interest income | $3,588,000 | 3,384 |
| Provision for loan and lease losses | $249,000 | 1,348 |
| Total noninterest income | $1,080,000 | 2,402 |
| Gross Fiduciary activities income | $0 | 968 |
| Service charges on deposit accounts | $6,000 | 4,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,074,000 | 1,981 |
| Total noninterest expense | $4,184,000 | 2,857 |
| Salaries and employee benefits | $2,516,000 | 2,759 |
| Premises and equipment expense | $320,000 | 3,207 |
| Additional noninterest expense | $1,074,000 | 1,981 |
| Pre-tax net operating income | $235,000 | 4,335 |
| Securities gains (losses) | $0 | 740 |
| Applicable income taxes | $0 | 3,603 |
| Income before extraordinary items | $235,000 | 4,268 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $235,000 | 4,267 |
| Minority interest net income | $0 | 57 |
| Net income of bank and minority interests. | $235,000 | 4,267 |
| Net charge-offs | $0 | 2,349 |
| Cash dividends | $0 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 513 |
| Net operating income | $235,000 | 4,300 |
| 2022-06-30 (YTD Data) | Rank | |
| Total interest income | $2,189,000 | 3,585 |
| Total interest expense | $134,000 | 3,667 |
| Net interest income | $2,055,000 | 3,563 |
| Provision for loan and lease losses | $178,000 | 1,212 |
| Total noninterest income | $506,000 | 2,819 |
| Gross Fiduciary activities income | $0 | 925 |
| Service charges on deposit accounts | $4,000 | 4,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $502,000 | 2,390 |
| Total noninterest expense | $2,712,000 | 2,893 |
| Salaries and employee benefits | $1,608,000 | 2,824 |
| Premises and equipment expense | $213,000 | 3,232 |
| Additional noninterest expense | $891,000 | 2,804 |
| Pre-tax net operating income | $-329,000 | 4,698 |
| Securities gains (losses) | $0 | 687 |
| Applicable income taxes | $0 | 3,564 |
| Income before extraordinary items | $-329,000 | 4,667 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-329,000 | 4,667 |
| Minority interest net income | $0 | 60 |
| Net income of bank and minority interests. | $-329,000 | 4,667 |
| Net charge-offs | $0 | 2,156 |
| Cash dividends | $0 | 2,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 494 |
| Net operating income | $-329,000 | 4,694 |
| 2022-03-31 (YTD Data) | Rank | |
| Total interest income | $969,000 | 3,705 |
| Total interest expense | $50,000 | 3,919 |
| Net interest income | $919,000 | 3,666 |
| Provision for loan and lease losses | $64,000 | 1,214 |
| Total noninterest income | $322,000 | 2,504 |
| Gross Fiduciary activities income | $0 | 892 |
| Service charges on deposit accounts | $2,000 | 4,564 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $320,000 | 2,118 |
| Total noninterest expense | $1,333,000 | 2,916 |
| Salaries and employee benefits | $826,000 | 2,781 |
| Premises and equipment expense | $106,000 | 3,256 |
| Additional noninterest expense | $401,000 | 2,966 |
| Pre-tax net operating income | $-156,000 | 4,702 |
| Securities gains (losses) | $0 | 623 |
| Applicable income taxes | $0 | 3,450 |
| Income before extraordinary items | $-156,000 | 4,685 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-156,000 | 4,684 |
| Minority interest net income | $0 | 50 |
| Net income of bank and minority interests. | $-156,000 | 4,685 |
| Net charge-offs | $0 | 1,838 |
| Cash dividends | $0 | 2,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 453 |
| Net operating income | $-156,000 | 4,701 |
| 2021-12-31 (YTD Data) | Rank | |
| Total interest income | $1,964,000 | 4,393 |
| Total interest expense | $77,000 | 4,604 |
| Net interest income | $1,887,000 | 4,334 |
| Provision for loan and lease losses | $652,000 | 833 |
| Total noninterest income | $2,592,000 | 1,970 |
| Gross Fiduciary activities income | $0 | 994 |
| Service charges on deposit accounts | $3,000 | 4,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,589,000 | 1,628 |
| Total noninterest expense | $4,511,000 | 3,180 |
| Salaries and employee benefits | $2,934,000 | 2,976 |
| Premises and equipment expense | $414,000 | 3,295 |
| Additional noninterest expense | $1,163,000 | 3,489 |
| Pre-tax net operating income | $-684,000 | 4,780 |
| Securities gains (losses) | $0 | 2,062 |
| Applicable income taxes | $0 | 3,710 |
| Income before extraordinary items | $-684,000 | 4,776 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-684,000 | 4,776 |
| Minority interest net income | $0 | 74 |
| Net income of bank and minority interests. | $-684,000 | 4,776 |
| Net charge-offs | $0 | 2,705 |
| Cash dividends | $0 | 3,608 |
| Sale, conversion, retirement of capital stock, net | $5,327,000 | 101 |
| Net operating income | $-684,000 | 4,772 |
| 2021-09-30 (YTD Data) | Rank | |
| Total interest income | $1,147,000 | 4,595 |
| Total interest expense | $44,000 | 4,752 |
| Net interest income | $1,103,000 | 4,558 |
| Provision for loan and lease losses | $388,000 | 998 |
| Total noninterest income | $1,309,000 | 2,421 |
| Gross Fiduciary activities income | $0 | 957 |
| Service charges on deposit accounts | $2,000 | 4,748 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,307,000 | 2,106 |
| Total noninterest expense | $3,189,000 | 3,290 |
| Salaries and employee benefits | $2,046,000 | 3,092 |
| Premises and equipment expense | $312,000 | 3,329 |
| Additional noninterest expense | $831,000 | 3,589 |
| Pre-tax net operating income | $-1,165,000 | 4,885 |
| Securities gains (losses) | $0 | 2,015 |
| Applicable income taxes | $0 | 3,719 |
| Income before extraordinary items | $-1,165,000 | 4,882 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $-1,165,000 | 4,882 |
| Minority interest net income | $0 | 69 |
| Net income of bank and minority interests. | $-1,165,000 | 4,882 |
| Net charge-offs | $0 | 2,463 |
| Cash dividends | $0 | 3,251 |
| Sale, conversion, retirement of capital stock, net | $5,327,000 | 83 |
| Net operating income | $-1,165,000 | 4,877 |
| 2021-06-30 (YTD Data) | Rank | |
| Total interest income | $661,000 | 4,702 |
| Total interest expense | $25,000 | 4,824 |
| Net interest income | $636,000 | 4,663 |
| Provision for loan and lease losses | $238,000 | 1,081 |
| Total noninterest income | $684,000 | 2,642 |
| Gross Fiduciary activities income | $0 | 951 |
| Service charges on deposit accounts | $1,000 | 4,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $683,000 | 2,329 |
| Total noninterest expense | $1,966,000 | 3,414 |
| Salaries and employee benefits | $1,258,000 | 3,206 |
| Premises and equipment expense | $207,000 | 3,344 |
| Additional noninterest expense | $501,000 | 3,707 |
| Pre-tax net operating income | $-884,000 | 4,923 |
| Securities gains (losses) | $0 | 1,818 |
| Applicable income taxes | $0 | 3,702 |
| Income before extraordinary items | $-884,000 | 4,915 |
| Extraordinary gains, net | $0 | 6 |
| Net income | $-884,000 | 4,915 |
| Minority interest net income | $0 | 67 |
| Net income of bank and minority interests. | $-884,000 | 4,915 |
| Net charge-offs | $0 | 2,245 |
| Cash dividends | $0 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $5,327,000 | 50 |
| Net operating income | $-884,000 | 4,914 |
| 2021-03-31 (YTD Data) | Rank | |
| Total interest income | $102,000 | 4,935 |
| Total interest expense | $10,000 | 4,876 |
| Net interest income | $92,000 | 4,928 |
| Provision for loan and lease losses | $88,000 | 1,375 |
| Total noninterest income | $2,000 | 4,917 |
| Gross Fiduciary activities income | $0 | 922 |
| Service charges on deposit accounts | $0 | 4,819 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 4,857 |
| Total noninterest expense | $815,000 | 3,690 |
| Salaries and employee benefits | $527,000 | 3,465 |
| Premises and equipment expense | $104,000 | 3,346 |
| Additional noninterest expense | $184,000 | 4,071 |
| Pre-tax net operating income | $-809,000 | 4,968 |
| Securities gains (losses) | $0 | 1,392 |
| Applicable income taxes | $0 | 3,613 |
| Income before extraordinary items | $-809,000 | 4,960 |
| Extraordinary gains, net | $0 | 3 |
| Net income | $-809,000 | 4,960 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $-809,000 | 4,960 |
| Net charge-offs | $0 | 1,930 |
| Cash dividends | $0 | 2,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 482 |
| Net operating income | $-809,000 | 4,961 |
| 2020-12-31 (YTD Data) | Rank | |
| Total interest income | $12,000 | 4,997 |
| Total interest expense | $1,000 | 4,988 |
| Net interest income | $11,000 | 4,995 |
| Provision for loan and lease losses | $17,000 | 4,156 |
| Total noninterest income | $81,000 | 4,722 |
| Gross Fiduciary activities income | $0 | 1,030 |
| Service charges on deposit accounts | $0 | 4,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 4,463 |
| Total noninterest expense | $1,325,000 | 4,631 |
| Salaries and employee benefits | $517,000 | 4,795 |
| Premises and equipment expense | $164,000 | 4,403 |
| Additional noninterest expense | $644,000 | 4,223 |
| Pre-tax net operating income | $-1,250,000 | 4,921 |
| Securities gains (losses) | $0 | 2,675 |
| Applicable income taxes | $0 | 3,697 |
| Income before extraordinary items | $-1,250,000 | 4,924 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-1,250,000 | 4,924 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $-1,250,000 | 4,924 |
| Net charge-offs | $0 | 3,443 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $19,160,000 | 37 |
| Net operating income | $-1,250,000 | 4,920 |
* 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.