Home > Sand Ridge Bank > Income and Expense

Sand Ridge Bank, Income and Expense

2005-06-30 (YTD Data)		Rank
Total interest income	$22,777,000	670
Total interest expense	$7,680,000	661
Net interest income	$15,097,000	672
Provision for loan and lease losses	$150,000	2,598
Total noninterest income	$6,257,000	535
Gross Fiduciary activities income	$285,000	554
Service charges on deposit accounts	$2,482,000	323
Trading account gains and fees	$0	116
Additional Noninterest Income	$3,490,000	531
Total noninterest expense	$13,250,000	650
Salaries and employee benefits	$6,881,000	646
Premises and equipment expense	$736,000	1,634
Additional noninterest expense	$5,633,000	506
Pre-tax net operating income	$7,954,000	626
Securities gains (losses)	$2,000	1,855
Applicable income taxes	$2,558,000	631
Income before extraordinary items	$5,398,000	668
Extraordinary gains, net	$0	30
Net income	$5,398,000	668
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$282,000	941
Cash dividends	$5,081,000	332
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$5,396,640	651
2005-03-31 (YTD Data)		Rank
Total interest income	$11,270,000	666
Total interest expense	$3,715,000	643
Net interest income	$7,555,000	672
Provision for loan and lease losses	$150,000	1,379
Total noninterest income	$3,193,000	509
Gross Fiduciary activities income	$138,000	572
Service charges on deposit accounts	$1,186,000	328
Trading account gains and fees	$0	115
Additional Noninterest Income	$1,869,000	493
Total noninterest expense	$6,584,000	645
Salaries and employee benefits	$3,434,000	646
Premises and equipment expense	$605,000	982
Additional noninterest expense	$2,545,000	543
Pre-tax net operating income	$4,014,000	616
Securities gains (losses)	$2,000	1,406
Applicable income taxes	$1,319,000	623
Income before extraordinary items	$2,697,000	662
Extraordinary gains, net	$0	24
Net income	$2,697,000	662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	950
Cash dividends	$2,000,000	351
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$2,695,660	643
2004-12-31 (YTD Data)		Rank
Total interest income	$44,326,000	639
Total interest expense	$13,560,000	613
Net interest income	$30,766,000	652
Provision for loan and lease losses	$1,110,000	954
Total noninterest income	$9,720,000	624
Gross Fiduciary activities income	$519,000	564
Service charges on deposit accounts	$5,315,000	323
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,886,000	802
Total noninterest expense	$24,097,000	678
Salaries and employee benefits	$11,898,000	716
Premises and equipment expense	$2,528,000	883
Additional noninterest expense	$9,671,000	565
Pre-tax net operating income	$15,279,000	607
Securities gains (losses)	$5,000	3,151
Applicable income taxes	$4,678,000	631
Income before extraordinary items	$10,606,000	635
Extraordinary gains, net	$0	34
Net income	$10,606,000	636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,472,000	580
Cash dividends	$8,300,000	409
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$10,602,550	609
2004-09-30 (YTD Data)		Rank
Total interest income	$33,078,000	632
Total interest expense	$10,006,000	606
Net interest income	$23,072,000	641
Provision for loan and lease losses	$930,000	828
Total noninterest income	$7,336,000	627
Gross Fiduciary activities income	$388,000	564
Service charges on deposit accounts	$4,019,000	327
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,929,000	817
Total noninterest expense	$17,915,000	680
Salaries and employee benefits	$8,821,000	714
Premises and equipment expense	$1,910,000	875
Additional noninterest expense	$7,184,000	575
Pre-tax net operating income	$11,563,000	608
Securities gains (losses)	$5,000	3,038
Applicable income taxes	$3,609,000	629
Income before extraordinary items	$7,959,000	643
Extraordinary gains, net	$0	26
Net income	$7,959,000	644
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,307,000	470
Cash dividends	$6,400,000	382
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$7,955,550	614
2004-06-30 (YTD Data)		Rank
Total interest income	$22,008,000	631
Total interest expense	$6,704,000	595
Net interest income	$15,304,000	636
Provision for loan and lease losses	$660,000	765
Total noninterest income	$4,933,000	627
Gross Fiduciary activities income	$258,000	566
Service charges on deposit accounts	$2,637,000	322
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,038,000	785
Total noninterest expense	$11,720,000	690
Salaries and employee benefits	$5,722,000	736
Premises and equipment expense	$1,339,000	839
Additional noninterest expense	$4,659,000	568
Pre-tax net operating income	$7,857,000	583
Securities gains (losses)	$5,000	2,738
Applicable income taxes	$2,503,000	609
Income before extraordinary items	$5,359,000	630
Extraordinary gains, net	$0	21
Net income	$5,359,000	630
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,159,000	379
Cash dividends	$4,400,000	368
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$5,355,600	602
2004-03-31 (YTD Data)		Rank
Total interest income	$11,079,000	636
Total interest expense	$3,518,000	578
Net interest income	$7,561,000	651
Provision for loan and lease losses	$390,000	638
Total noninterest income	$2,552,000	607
Gross Fiduciary activities income	$123,000	582
Service charges on deposit accounts	$1,289,000	327
Trading account gains and fees	$0	121
Additional Noninterest Income	$1,140,000	725
Total noninterest expense	$5,918,000	688
Salaries and employee benefits	$2,795,000	773
Premises and equipment expense	$705,000	814
Additional noninterest expense	$2,418,000	552
Pre-tax net operating income	$3,805,000	594
Securities gains (losses)	$3,000	2,499
Applicable income taxes	$1,225,000	629
Income before extraordinary items	$2,583,000	651
Extraordinary gains, net	$0	16
Net income	$2,583,000	650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$635,000	360
Cash dividends	$2,200,000	343
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$2,580,960	609
2003-12-31 (YTD Data)		Rank
Total interest income	$44,973,000	624
Total interest expense	$15,262,000	584
Net interest income	$29,711,000	635
Provision for loan and lease losses	$1,010,000	1,171
Total noninterest income	$10,119,000	644
Gross Fiduciary activities income	$490,000	568
Service charges on deposit accounts	$5,747,000	292
Trading account gains and fees	$0	160
Additional Noninterest Income	$3,882,000	920
Total noninterest expense	$23,520,000	693
Salaries and employee benefits	$12,009,000	709
Premises and equipment expense	$2,433,000	920
Additional noninterest expense	$9,078,000	605
Pre-tax net operating income	$15,300,000	589
Securities gains (losses)	$43,000	2,653
Applicable income taxes	$4,581,000	664
Income before extraordinary items	$10,762,000	615
Extraordinary gains, net	$0	54
Net income	$10,762,000	617
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$881,000	1,018
Cash dividends	$19,947,000	250
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$10,731,900	581
2003-09-30 (YTD Data)		Rank
Total interest income	$34,452,000	624
Total interest expense	$11,588,000	609
Net interest income	$22,864,000	640
Provision for loan and lease losses	$250,000	2,846
Total noninterest income	$7,700,000	667
Gross Fiduciary activities income	$372,000	569
Service charges on deposit accounts	$4,273,000	309
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,055,000	916
Total noninterest expense	$17,566,000	714
Salaries and employee benefits	$8,965,000	729
Premises and equipment expense	$1,910,000	895
Additional noninterest expense	$6,691,000	616
Pre-tax net operating income	$12,748,000	553
Securities gains (losses)	$44,000	2,422
Applicable income taxes	$4,032,000	607
Income before extraordinary items	$8,760,000	603
Extraordinary gains, net	$0	40
Net income	$8,760,000	603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$284,000	1,769
Cash dividends	$19,947,000	197
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$8,730,080	554
2003-06-30 (YTD Data)		Rank
Total interest income	$23,201,000	624
Total interest expense	$7,872,000	618
Net interest income	$15,329,000	634
Provision for loan and lease losses	$100,000	3,841
Total noninterest income	$5,203,000	656
Gross Fiduciary activities income	$240,000	584
Service charges on deposit accounts	$2,778,000	313
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,185,000	861
Total noninterest expense	$11,829,000	705
Salaries and employee benefits	$6,088,000	716
Premises and equipment expense	$1,300,000	880
Additional noninterest expense	$4,441,000	619
Pre-tax net operating income	$8,603,000	552
Securities gains (losses)	$31,000	2,340
Applicable income taxes	$2,783,000	580
Income before extraordinary items	$5,851,000	602
Extraordinary gains, net	$0	30
Net income	$5,851,000	601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	2,641
Cash dividends	$5,834,000	304
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$5,829,920	555
2003-03-31 (YTD Data)		Rank
Total interest income	$11,701,000	628
Total interest expense	$3,989,000	620
Net interest income	$7,712,000	628
Provision for loan and lease losses	$0	6,934
Total noninterest income	$2,412,000	683
Gross Fiduciary activities income	$102,000	640
Service charges on deposit accounts	$1,361,000	317
Trading account gains and fees	$0	134
Additional Noninterest Income	$949,000	925
Total noninterest expense	$5,610,000	740
Salaries and employee benefits	$2,971,000	733
Premises and equipment expense	$623,000	924
Additional noninterest expense	$2,016,000	652
Pre-tax net operating income	$4,514,000	529
Securities gains (losses)	$11,000	2,147
Applicable income taxes	$1,503,000	564
Income before extraordinary items	$3,022,000	581
Extraordinary gains, net	$0	21
Net income	$3,022,000	579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,852
Cash dividends	$2,777,000	308
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$3,014,630	547
2002-12-31 (YTD Data)		Rank
Total interest income	$50,183,000	614
Total interest expense	$18,270,000	622
Net interest income	$31,913,000	597
Provision for loan and lease losses	$64,000	6,398
Total noninterest income	$9,809,000	639
Gross Fiduciary activities income	$394,000	647
Service charges on deposit accounts	$5,155,000	326
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,260,000	781
Total noninterest expense	$22,631,000	715
Salaries and employee benefits	$12,367,000	664
Premises and equipment expense	$4,123,000	552
Additional noninterest expense	$6,141,000	817
Pre-tax net operating income	$19,027,000	494
Securities gains (losses)	$78,000	1,993
Applicable income taxes	$4,981,000	589
Income before extraordinary items	$14,124,000	485
Extraordinary gains, net	$0	70
Net income	$14,124,000	487
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-520,000	9,340
Cash dividends	$12,443,000	310
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$14,066,280	466
2001-12-31 (YTD Data)		Rank
Total interest income	$39,694,000	861
Total interest expense	$19,227,000	848
Net interest income	$20,467,000	861
Provision for loan and lease losses	$3,543,000	464
Total noninterest income	$7,770,000	711
Gross Fiduciary activities income	$136,000	921
Service charges on deposit accounts	$4,525,000	344
Trading account gains and fees	$0	177
Additional Noninterest Income	$3,109,000	922
Total noninterest expense	$14,830,000	999
Salaries and employee benefits	$8,007,000	937
Premises and equipment expense	$1,650,000	1,299
Additional noninterest expense	$5,173,000	945
Pre-tax net operating income	$9,864,000	774
Securities gains (losses)	$246,000	1,037
Applicable income taxes	$2,233,000	1,077
Income before extraordinary items	$7,877,000	715
Extraordinary gains, net	$0	105
Net income	$7,877,000	716
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,055,000	422
Cash dividends	$8,305,000	426
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$7,685,120	702
2000-12-31 (YTD Data)		Rank
Total interest income	$42,351,000	843
Total interest expense	$22,400,000	814
Net interest income	$19,951,000	866
Provision for loan and lease losses	$1,944,000	624
Total noninterest income	$6,806,000	737
Gross Fiduciary activities income	$159,000	843
Service charges on deposit accounts	$3,673,000	372
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,974,000	863
Total noninterest expense	$14,403,000	978
Salaries and employee benefits	$7,686,000	911
Premises and equipment expense	$1,651,000	1,233
Additional noninterest expense	$5,066,000	940
Pre-tax net operating income	$10,410,000	755
Securities gains (losses)	$23,000	925
Applicable income taxes	$2,738,000	892
Income before extraordinary items	$7,695,000	706
Extraordinary gains, net	$0	38
Net income	$7,695,000	706
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,051,000	365
Cash dividends	$5,345,000	593
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$7,677,980	710
1999-12-31 (YTD Data)		Rank
Total interest income	$38,861,000	876
Total interest expense	$19,321,000	823
Net interest income	$19,540,000	896
Provision for loan and lease losses	$1,533,000	687
Total noninterest income	$5,432,000	884
Gross Fiduciary activities income	$194,000	873
Service charges on deposit accounts	$2,798,000	483
Trading account gains and fees	$0	173
Additional Noninterest Income	$2,440,000	1,007
Total noninterest expense	$13,789,000	1,012
Salaries and employee benefits	$7,062,000	978
Premises and equipment expense	$1,774,000	1,128
Additional noninterest expense	$4,953,000	961
Pre-tax net operating income	$9,650,000	852
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$2,198,000	1,135
Income before extraordinary items	$7,454,000	780
Extraordinary gains, net	$0	35
Net income	$7,454,000	780
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$182,000	2,537
Cash dividends	$4,409,000	715
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$7,452,460	766
1998-12-31 (YTD Data)		Rank
Total interest income	$35,247,000	939
Total interest expense	$18,051,000	878
Net interest income	$17,196,000	977
Provision for loan and lease losses	$2,050,000	568
Total noninterest income	$4,508,000	1,012
Gross Fiduciary activities income	$171,000	897
Service charges on deposit accounts	$2,294,000	545
Trading account gains and fees	$0	224
Additional Noninterest Income	$2,043,000	1,144
Total noninterest expense	$12,543,000	1,058
Salaries and employee benefits	$6,474,000	1,009
Premises and equipment expense	$1,748,000	1,106
Additional noninterest expense	$4,321,000	1,062
Pre-tax net operating income	$7,111,000	1,063
Securities gains (losses)	$119,000	1,181
Applicable income taxes	$1,676,000	1,466
Income before extraordinary items	$5,554,000	972
Extraordinary gains, net	$0	32
Net income	$5,554,000	971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,161,000	677
Cash dividends	$1,371,000	1,785
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$5,462,370	962
1997-12-31 (YTD Data)		Rank
Total interest income	$32,039,000	1,067
Total interest expense	$16,257,000	1,000
Net interest income	$15,782,000	1,121
Provision for loan and lease losses	$1,800,000	635
Total noninterest income	$3,849,000	1,101
Gross Fiduciary activities income	$145,000	971
Service charges on deposit accounts	$2,070,000	621
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,634,000	1,264
Total noninterest expense	$11,229,000	1,179
Salaries and employee benefits	$5,557,000	1,183
Premises and equipment expense	$1,639,000	1,211
Additional noninterest expense	$4,033,000	1,118
Pre-tax net operating income	$6,602,000	1,197
Securities gains (losses)	$85,000	1,060
Applicable income taxes	$1,694,000	1,531
Income before extraordinary items	$4,993,000	1,116
Extraordinary gains, net	$0	44
Net income	$4,993,000	1,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$914,000	851
Cash dividends	$1,035,000	2,101
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$4,929,250	1,099
1996-12-31 (YTD Data)		Rank
Total interest income	$28,871,000	1,196
Total interest expense	$14,472,000	1,128
Net interest income	$14,399,000	1,247
Provision for loan and lease losses	$1,440,000	776
Total noninterest income	$3,365,000	1,248
Gross Fiduciary activities income	$106,000	1,091
Service charges on deposit accounts	$1,649,000	802
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,610,000	1,345
Total noninterest expense	$9,500,000	1,503
Salaries and employee benefits	$4,799,000	1,397
Premises and equipment expense	$1,431,000	1,423
Additional noninterest expense	$3,270,000	1,601
Pre-tax net operating income	$6,824,000	1,091
Securities gains (losses)	$-28,000	10,807
Applicable income taxes	$1,913,000	1,294
Income before extraordinary items	$4,883,000	1,066
Extraordinary gains, net	$0	53
Net income	$4,883,000	1,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,445,000	504
Cash dividends	$960,000	2,223
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$4,903,160	1,045
1995-12-31 (YTD Data)		Rank
Total interest income	$27,320,000	1,260
Total interest expense	$14,059,000	1,184
Net interest income	$13,261,000	1,358
Provision for loan and lease losses	$1,040,000	910
Total noninterest income	$2,865,000	1,398
Gross Fiduciary activities income	$117,000	1,134
Service charges on deposit accounts	$1,548,000	858
Trading account gains and fees	$-7,000	4,806
Additional Noninterest Income	$1,207,000	1,594
Total noninterest expense	$9,572,000	1,487
Salaries and employee benefits	$4,661,000	1,422
Premises and equipment expense	$1,490,000	1,387
Additional noninterest expense	$3,421,000	1,510
Pre-tax net operating income	$5,514,000	1,386
Securities gains (losses)	$155,000	770
Applicable income taxes	$1,523,000	1,629
Income before extraordinary items	$4,146,000	1,275
Extraordinary gains, net	$0	65
Net income	$4,146,000	1,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$243,000	2,219
Cash dividends	$900,000	2,217
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$4,032,850	1,286
1994-12-31 (YTD Data)		Rank
Total interest income	$23,246,000	1,342
Total interest expense	$10,933,000	1,197
Net interest income	$12,313,000	1,468
Provision for loan and lease losses	$840,000	1,048
Total noninterest income	$2,719,000	1,462
Gross Fiduciary activities income	$91,000	1,198
Service charges on deposit accounts	$1,402,000	940
Trading account gains and fees	$1,000	450
Additional Noninterest Income	$1,225,000	1,607
Total noninterest expense	$9,286,000	1,577
Salaries and employee benefits	$4,280,000	1,559
Premises and equipment expense	$1,603,000	1,308
Additional noninterest expense	$3,403,000	1,624
Pre-tax net operating income	$4,906,000	1,492
Securities gains (losses)	$16,000	1,924
Applicable income taxes	$1,299,000	1,765
Income before extraordinary items	$3,623,000	1,377
Extraordinary gains, net	$0	249
Net income	$3,623,000	1,377
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$651,000	1,147
Cash dividends	$840,000	2,200
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$3,611,160	1,397
1993-12-31 (YTD Data)		Rank
Total interest income	$20,743,000	1,512
Total interest expense	$8,753,000	1,530
Net interest income	$11,990,000	1,507
Provision for loan and lease losses	$840,000	1,468
Total noninterest income	$2,322,000	1,776
Gross Fiduciary activities income	$110,000	1,191
Service charges on deposit accounts	$1,158,000	1,154
Trading account gains and fees	$2,000	494
Additional Noninterest Income	$1,052,000	1,965
Total noninterest expense	$8,611,000	1,754
Salaries and employee benefits	$4,213,000	1,596
Premises and equipment expense	$1,350,000	1,562
Additional noninterest expense	$3,048,000	1,892
Pre-tax net operating income	$4,861,000	1,441
Securities gains (losses)	$36,000	3,866
Applicable income taxes	$1,283,000	1,824
Income before extraordinary items	$3,614,000	1,414
Extraordinary gains, net	$0	3,149
Net income	$3,614,000	1,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$222,000	2,934
Cash dividends	$660,000	2,491
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,587,360	1,335
1992-12-31 (YTD Data)		Rank
Total interest income	$20,330,000	1,746
Total interest expense	$9,995,000	1,721
Net interest income	$10,335,000	1,773
Provision for loan and lease losses	$840,000	2,088
Total noninterest income	$2,035,000	1,907
Gross Fiduciary activities income	$67,000	1,318
Service charges on deposit accounts	$1,102,000	1,205
Trading account gains and fees	$0	504
Additional Noninterest Income	$866,000	2,198
Total noninterest expense	$7,178,000	2,057
Salaries and employee benefits	$3,400,000	1,929
Premises and equipment expense	$1,149,000	1,840
Additional noninterest expense	$2,629,000	2,237
Pre-tax net operating income	$4,352,000	1,461
Securities gains (losses)	$120,000	2,718
Applicable income taxes	$1,191,000	1,774
Income before extraordinary items	$3,281,000	1,411
Extraordinary gains, net	$0	1,422
Net income	$3,281,000	1,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$631,000	2,106
Cash dividends	$660,000	2,231
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,193,400	1,349

* 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.