Home > Second National Bank of Bay City > Income and Expense
Second National Bank of Bay City, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,727,000 | 2,633 |
| Total interest expense | $5,099,000 | 2,977 |
| Net interest income | $7,628,000 | 2,351 |
| Provision for loan and lease losses | $390,000 | 1,893 |
| Total noninterest income | $808,000 | 3,654 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $483,000 | 2,810 |
| Trading account gains and fees | $-11,000 | 4,808 |
| Additional Noninterest Income | $336,000 | 3,724 |
| Total noninterest expense | $4,769,000 | 2,837 |
| Salaries and employee benefits | $1,826,000 | 3,598 |
| Premises and equipment expense | $659,000 | 2,963 |
| Additional noninterest expense | $2,284,000 | 2,159 |
| Pre-tax net operating income | $3,277,000 | 2,251 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,108,000 | 2,179 |
| Income before extraordinary items | $2,169,000 | 2,331 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,169,000 | 2,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,429 |
| Cash dividends | $1,491,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,169,000 | 2,303 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,431,000 | 2,915 |
| Total interest expense | $3,446,000 | 3,493 |
| Net interest income | $6,985,000 | 2,583 |
| Provision for loan and lease losses | $320,000 | 2,154 |
| Total noninterest income | $835,000 | 3,586 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $499,000 | 2,752 |
| Trading account gains and fees | $21,000 | 342 |
| Additional Noninterest Income | $315,000 | 3,948 |
| Total noninterest expense | $4,682,000 | 2,953 |
| Salaries and employee benefits | $1,737,000 | 3,751 |
| Premises and equipment expense | $640,000 | 3,081 |
| Additional noninterest expense | $2,305,000 | 2,292 |
| Pre-tax net operating income | $2,818,000 | 2,512 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $941,000 | 2,368 |
| Income before extraordinary items | $1,886,000 | 2,578 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,886,000 | 2,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,906 |
| Cash dividends | $675,000 | 2,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,879,970 | 2,604 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,590,000 | 3,230 |
| Total interest expense | $3,360,000 | 3,728 |
| Net interest income | $6,230,000 | 2,925 |
| Provision for loan and lease losses | $360,000 | 2,633 |
| Total noninterest income | $830,000 | 3,873 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $511,000 | 2,723 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $319,000 | 4,314 |
| Total noninterest expense | $4,362,000 | 3,209 |
| Salaries and employee benefits | $1,641,000 | 3,940 |
| Premises and equipment expense | $630,000 | 3,172 |
| Additional noninterest expense | $2,091,000 | 2,630 |
| Pre-tax net operating income | $2,338,000 | 2,882 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $673,000 | 3,230 |
| Income before extraordinary items | $1,665,000 | 2,940 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,665,000 | 3,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 3,256 |
| Cash dividends | $1,067,000 | 1,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,665,000 | 2,789 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,692,000 | 3,601 |
| Total interest expense | $4,191,000 | 3,905 |
| Net interest income | $5,501,000 | 3,330 |
| Provision for loan and lease losses | $415,000 | 3,379 |
| Total noninterest income | $726,000 | 4,285 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $474,000 | 2,939 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $252,000 | 4,933 |
| Total noninterest expense | $4,108,000 | 3,416 |
| Salaries and employee benefits | $1,554,000 | 4,086 |
| Premises and equipment expense | $608,000 | 3,312 |
| Additional noninterest expense | $1,946,000 | 2,863 |
| Pre-tax net operating income | $1,704,000 | 3,615 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $502,000 | 3,985 |
| Income before extraordinary items | $1,200,000 | 3,810 |
| Extraordinary gains, net | $-33,000 | 13,551 |
| Net income | $1,167,000 | 3,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 3,251 |
| Cash dividends | $286,000 | 4,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,201,420 | 3,527 |
* 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.