Home > Sears National Bank > Income and Expense
Sears National Bank, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $116,000 | 8,952 |
| Total interest expense | $3,000 | 9,046 |
| Net interest income | $113,000 | 8,841 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $0 | 9,051 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $26,000 | 9,103 |
| Salaries and employee benefits | $0 | 9,095 |
| Premises and equipment expense | $1,000 | 9,071 |
| Additional noninterest expense | $25,000 | 8,937 |
| Pre-tax net operating income | $87,000 | 7,358 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $87,000 | 7,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $87,000 | 7,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $87,000 | 7,024 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,482,000 | 4,068 |
| Total interest expense | $3,785,000 | 2,338 |
| Net interest income | $2,697,000 | 5,642 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $193,634,000 | 117 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $-25,000 | 9,149 |
| Additional Noninterest Income | $193,659,000 | 81 |
| Total noninterest expense | $101,249,000 | 212 |
| Salaries and employee benefits | $7,744,000 | 1,086 |
| Premises and equipment expense | $984,000 | 2,285 |
| Additional noninterest expense | $92,521,000 | 128 |
| Pre-tax net operating income | $95,082,000 | 155 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $38,215,000 | 152 |
| Income before extraordinary items | $56,867,000 | 181 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $56,867,000 | 182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $23,871,000 | 209 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $56,867,000 | 169 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,808,000 | 3,577 |
| Total interest expense | $3,428,000 | 2,034 |
| Net interest income | $2,380,000 | 5,151 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $141,116,000 | 117 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $-25,000 | 9,204 |
| Additional Noninterest Income | $141,141,000 | 85 |
| Total noninterest expense | $89,224,000 | 196 |
| Salaries and employee benefits | $6,634,000 | 983 |
| Premises and equipment expense | $892,000 | 1,923 |
| Additional noninterest expense | $81,698,000 | 119 |
| Pre-tax net operating income | $54,272,000 | 193 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $21,811,000 | 185 |
| Income before extraordinary items | $32,461,000 | 226 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $32,461,000 | 227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $23,871,000 | 178 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $32,461,000 | 212 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,157,000 | 3,398 |
| Total interest expense | $2,370,000 | 2,021 |
| Net interest income | $1,787,000 | 4,735 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $91,949,000 | 116 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $-25,000 | 9,240 |
| Additional Noninterest Income | $91,974,000 | 84 |
| Total noninterest expense | $58,372,000 | 197 |
| Salaries and employee benefits | $4,545,000 | 952 |
| Premises and equipment expense | $581,000 | 1,958 |
| Additional noninterest expense | $53,246,000 | 119 |
| Pre-tax net operating income | $35,364,000 | 197 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $14,212,000 | 186 |
| Income before extraordinary items | $21,152,000 | 233 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $21,152,000 | 233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $23,871,000 | 119 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $21,152,000 | 214 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,453,000 | 2,965 |
| Total interest expense | $1,326,000 | 1,857 |
| Net interest income | $1,127,000 | 4,022 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $45,231,000 | 115 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $-13,000 | 9,273 |
| Additional Noninterest Income | $45,244,000 | 86 |
| Total noninterest expense | $28,966,000 | 195 |
| Salaries and employee benefits | $2,233,000 | 967 |
| Premises and equipment expense | $286,000 | 1,995 |
| Additional noninterest expense | $26,447,000 | 115 |
| Pre-tax net operating income | $17,392,000 | 203 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $6,988,000 | 189 |
| Income before extraordinary items | $10,404,000 | 238 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,404,000 | 238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $16,134,000 | 90 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $10,404,000 | 217 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,974,000 | 2,773 |
| Total interest expense | $5,413,000 | 2,073 |
| Net interest income | $5,561,000 | 3,342 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $128,435,000 | 137 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $-17,000 | 9,293 |
| Additional Noninterest Income | $128,452,000 | 104 |
| Total noninterest expense | $74,682,000 | 271 |
| Salaries and employee benefits | $8,677,000 | 925 |
| Premises and equipment expense | $1,205,000 | 1,843 |
| Additional noninterest expense | $64,800,000 | 168 |
| Pre-tax net operating income | $59,314,000 | 223 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $23,827,000 | 201 |
| Income before extraordinary items | $35,487,000 | 251 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $35,487,000 | 251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $25,848,000 | 210 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $35,487,000 | 242 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,480,000 | 2,724 |
| Total interest expense | $5,574,000 | 2,851 |
| Net interest income | $6,906,000 | 2,591 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $41,890,000 | 250 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $45,000 | 133 |
| Additional Noninterest Income | $41,845,000 | 201 |
| Total noninterest expense | $24,399,000 | 653 |
| Salaries and employee benefits | $7,012,000 | 1,059 |
| Premises and equipment expense | $1,185,000 | 1,817 |
| Additional noninterest expense | $16,202,000 | 406 |
| Pre-tax net operating income | $24,397,000 | 368 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $9,800,000 | 336 |
| Income before extraordinary items | $14,597,000 | 412 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $14,597,000 | 411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $10,769,000 | 347 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $14,597,000 | 395 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,596,000 | 2,564 |
| Total interest expense | $5,814,000 | 2,870 |
| Net interest income | $7,782,000 | 2,280 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $22,905,000 | 343 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | $2,000 | 174 |
| Additional Noninterest Income | $22,903,000 | 272 |
| Total noninterest expense | $11,229,000 | 1,236 |
| Salaries and employee benefits | $5,585,000 | 1,265 |
| Premises and equipment expense | $993,000 | 2,072 |
| Additional noninterest expense | $4,651,000 | 1,011 |
| Pre-tax net operating income | $19,458,000 | 460 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $7,942,000 | 402 |
| Income before extraordinary items | $11,516,000 | 512 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $11,516,000 | 513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $8,848,000 | 419 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $11,516,000 | 509 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,238,000 | 3,157 |
| Total interest expense | $5,708,000 | 2,583 |
| Net interest income | $4,530,000 | 3,761 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $18,618,000 | 411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,618,000 | 313 |
| Total noninterest expense | $7,868,000 | 1,749 |
| Salaries and employee benefits | $5,114,000 | 1,352 |
| Premises and equipment expense | $1,100,000 | 1,856 |
| Additional noninterest expense | $1,654,000 | 2,609 |
| Pre-tax net operating income | $15,280,000 | 590 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $6,223,000 | 520 |
| Income before extraordinary items | $9,057,000 | 669 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,057,000 | 670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $9,419,000 | 419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $9,057,000 | 657 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,859,000 | 4,468 |
| Total interest expense | $2,890,000 | 4,864 |
| Net interest income | $3,969,000 | 4,145 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $18,011,000 | 406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,011,000 | 313 |
| Total noninterest expense | $8,556,000 | 1,556 |
| Salaries and employee benefits | $5,358,000 | 1,229 |
| Premises and equipment expense | $1,918,000 | 1,004 |
| Additional noninterest expense | $1,280,000 | 3,185 |
| Pre-tax net operating income | $13,424,000 | 616 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,474,000 | 538 |
| Income before extraordinary items | $7,950,000 | 714 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $7,950,000 | 714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $6,912,000 | 511 |
| Sale, conversion, retirement of capital stock, net | $9,356,000 | 111 |
| Net operating income | $7,950,000 | 689 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,755,000 | 5,994 |
| Total interest expense | $2,158,000 | 5,964 |
| Net interest income | $2,597,000 | 5,897 |
| Provision for loan and lease losses | $329,000 | 2,435 |
| Total noninterest income | $21,823,000 | 333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,823,000 | 249 |
| Total noninterest expense | $13,184,000 | 1,038 |
| Salaries and employee benefits | $6,695,000 | 993 |
| Premises and equipment expense | $2,861,000 | 720 |
| Additional noninterest expense | $3,628,000 | 1,214 |
| Pre-tax net operating income | $10,907,000 | 751 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $4,116,000 | 704 |
| Income before extraordinary items | $6,791,000 | 821 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,791,000 | 823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,396 |
| Cash dividends | $10,555,000 | 353 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $6,791,000 | 804 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,809,000 | 8,261 |
| Total interest expense | $1,286,000 | 8,141 |
| Net interest income | $1,523,000 | 8,217 |
| Provision for loan and lease losses | $1,091,000 | 963 |
| Total noninterest income | $200,640,000 | 87 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,640,000 | 53 |
| Total noninterest expense | $189,181,000 | 154 |
| Salaries and employee benefits | $7,280,000 | 936 |
| Premises and equipment expense | $3,058,000 | 725 |
| Additional noninterest expense | $178,843,000 | 81 |
| Pre-tax net operating income | $11,891,000 | 683 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $4,794,000 | 614 |
| Income before extraordinary items | $7,097,000 | 770 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $7,097,000 | 771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 260 |
| Net operating income | $7,097,000 | 747 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $223,000 | 11,907 |
| Total interest expense | $9,000 | 11,939 |
| Net interest income | $214,000 | 11,852 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $106,697,000 | 138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,697,000 | 94 |
| Total noninterest expense | $103,973,000 | 239 |
| Salaries and employee benefits | $4,879,000 | 1,364 |
| Premises and equipment expense | $2,562,000 | 860 |
| Additional noninterest expense | $96,532,000 | 143 |
| Pre-tax net operating income | $2,938,000 | 2,471 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,055,000 | 2,262 |
| Income before extraordinary items | $1,883,000 | 2,638 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,883,000 | 2,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $1,550,000 | 1,474 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,883,000 | 2,609 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $69,000 | 12,592 |
| Total interest expense | $5,000 | 12,577 |
| Net interest income | $64,000 | 12,582 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $340,000 | 6,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $340,000 | 3,784 |
| Total noninterest expense | $1,473,000 | 7,681 |
| Salaries and employee benefits | $722,000 | 7,719 |
| Premises and equipment expense | $308,000 | 5,604 |
| Additional noninterest expense | $443,000 | 8,382 |
| Pre-tax net operating income | $-1,069,000 | 12,464 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-374,000 | 12,457 |
| Income before extraordinary items | $-695,000 | 12,390 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-695,000 | 12,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-695,000 | 12,393 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,033,000 | 10,108 |
| Total interest expense | $752,000 | 10,293 |
| Net interest income | $1,281,000 | 9,803 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $477,000 | 5,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $289,000 | 4,578 |
| Total noninterest expense | $2,088,000 | 6,110 |
| Salaries and employee benefits | $833,000 | 7,122 |
| Premises and equipment expense | $559,000 | 3,532 |
| Additional noninterest expense | $696,000 | 6,592 |
| Pre-tax net operating income | $-330,000 | 12,782 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-330,000 | 12,839 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-330,000 | 12,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 5,088 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-330,000 | 12,769 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,014,000 | 8,945 |
| Total interest expense | $1,247,000 | 9,430 |
| Net interest income | $1,767,000 | 8,448 |
| Provision for loan and lease losses | $310,000 | 4,033 |
| Total noninterest income | $463,000 | 5,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $302,000 | 4,408 |
| Total noninterest expense | $2,665,000 | 5,013 |
| Salaries and employee benefits | $972,000 | 6,184 |
| Premises and equipment expense | $440,000 | 4,435 |
| Additional noninterest expense | $1,253,000 | 4,175 |
| Pre-tax net operating income | $-745,000 | 13,416 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-745,000 | 13,479 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-745,000 | 13,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 4,683 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-745,000 | 13,394 |
* 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.