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Seaport Citizens' Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$3,176,0007,321
Total interest expense$1,462,0007,278
Net interest income$1,714,0007,262
Provision for loan and lease losses$20,0007,729
Total noninterest income$392,0005,685
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$97,0006,914
Trading account gains and feesNANA
Additional Noninterest Income$295,0004,071
Total noninterest expense$1,155,0007,666
Salaries and employee benefits$601,0007,758
Premises and equipment expense$169,0007,251
Additional noninterest expense$385,0007,347
Pre-tax net operating income$931,0005,633
Securities gains (losses)$04,449
Applicable income taxes$282,0005,342
Income before extraordinary items$649,0005,827
Extraordinary gains, net$032
Net income$649,0005,826
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0009,217
Cash dividends$51,0006,854
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$649,0005,714
1997-12-31 (YTD Data)Rank
Total interest income$2,941,0007,834
Total interest expense$1,346,0007,725
Net interest income$1,595,0007,789
Provision for loan and lease losses$60,0006,153
Total noninterest income$261,0007,091
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$104,0007,108
Trading account gains and feesNANA
Additional Noninterest Income$157,0005,574
Total noninterest expense$1,089,0008,036
Salaries and employee benefits$556,0008,210
Premises and equipment expense$162,0007,548
Additional noninterest expense$371,0007,614
Pre-tax net operating income$707,0006,951
Securities gains (losses)$03,944
Applicable income taxes$213,0006,714
Income before extraordinary items$494,0007,004
Extraordinary gains, net$044
Net income$494,0007,005
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,093
Cash dividends$35,0007,413
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$494,0006,949
1996-12-31 (YTD Data)Rank
Total interest income$2,367,0008,882
Total interest expense$1,177,0008,449
Net interest income$1,190,0009,050
Provision for loan and lease losses$60,0006,086
Total noninterest income$333,0006,587
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$100,0007,492
Trading account gains and feesNANA
Additional Noninterest Income$233,0004,738
Total noninterest expense$986,0008,717
Salaries and employee benefits$463,0009,159
Premises and equipment expense$157,0007,897
Additional noninterest expense$366,0008,194
Pre-tax net operating income$477,0008,074
Securities gains (losses)$04,148
Applicable income taxes$136,0008,111
Income before extraordinary items$341,0008,072
Extraordinary gains, net$053
Net income$341,0008,072
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,441
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$341,0008,023
1995-12-31 (YTD Data)Rank
Total interest income$2,188,0009,434
Total interest expense$1,060,0009,041
Net interest income$1,128,0009,547
Provision for loan and lease losses$60,0005,704
Total noninterest income$231,0007,982
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$72,0008,553
Trading account gains and feesNANA
Additional Noninterest Income$159,0005,815
Total noninterest expense$769,0009,907
Salaries and employee benefits$362,00010,237
Premises and equipment expense$84,00010,095
Additional noninterest expense$323,0008,998
Pre-tax net operating income$530,0008,279
Securities gains (losses)$03,831
Applicable income taxes$165,0008,017
Income before extraordinary items$365,0008,348
Extraordinary gains, net$065
Net income$365,0008,349
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$365,0008,329
1994-12-31 (YTD Data)Rank
Total interest income$1,831,00010,103
Total interest expense$748,0009,843
Net interest income$1,083,00010,129
Provision for loan and lease losses$60,0005,594
Total noninterest income$231,0008,234
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$67,0009,102
Trading account gains and feesNANA
Additional Noninterest Income$164,0005,924
Total noninterest expense$718,00010,624
Salaries and employee benefits$335,00010,894
Premises and equipment expense$66,00011,093
Additional noninterest expense$317,0009,750
Pre-tax net operating income$536,0008,412
Securities gains (losses)$03,600
Applicable income taxes$174,0007,835
Income before extraordinary items$362,0008,531
Extraordinary gains, net$0249
Net income$362,0008,535
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0009,875
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$362,0008,580
1993-12-31 (YTD Data)Rank
Total interest income$1,695,00010,822
Total interest expense$809,00010,004
Net interest income$886,00011,211
Provision for loan and lease losses$60,0006,949
Total noninterest income$146,00010,287
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$51,00010,018
Trading account gains and feesNANA
Additional Noninterest Income$95,0008,045
Total noninterest expense$579,00011,754
Salaries and employee benefits$231,00012,370
Premises and equipment expense$57,00011,958
Additional noninterest expense$291,00010,559
Pre-tax net operating income$393,0009,463
Securities gains (losses)$07,477
Applicable income taxes$120,0009,304
Income before extraordinary items$273,0009,778
Extraordinary gains, net$03,149
Net income$273,0009,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0009,413
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$273,0009,518
1992-12-31 (YTD Data)Rank
Total interest income$1,614,00011,692
Total interest expense$960,00010,580
Net interest income$654,00012,498
Provision for loan and lease losses$35,0009,755
Total noninterest income$69,00012,585
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,00010,701
Trading account gains and feesNANA
Additional Noninterest Income$29,00011,840
Total noninterest expense$524,00012,494
Salaries and employee benefits$224,00012,889
Premises and equipment expense$54,00012,540
Additional noninterest expense$246,00011,589
Pre-tax net operating income$164,00011,387
Securities gains (losses)$24,0005,342
Applicable income taxes$54,00011,145
Income before extraordinary items$134,00011,487
Extraordinary gains, net$01,422
Net income$134,00011,565
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,00010,157
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$116,96011,405

* 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.