Home > Second National Bank of Saginaw > Income and Expense
Second National Bank of Saginaw, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $49,980,000 | 758 |
| Total interest expense | $20,123,000 | 876 |
| Net interest income | $29,857,000 | 679 |
| Provision for loan and lease losses | $1,350,000 | 757 |
| Total noninterest income | $10,832,000 | 576 |
| Gross Fiduciary activities income | $4,691,000 | 239 |
| Service charges on deposit accounts | $1,541,000 | 863 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,600,000 | 694 |
| Total noninterest expense | $24,906,000 | 669 |
| Salaries and employee benefits | $11,202,000 | 635 |
| Premises and equipment expense | $2,357,000 | 922 |
| Additional noninterest expense | $11,347,000 | 624 |
| Pre-tax net operating income | $14,433,000 | 615 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $4,817,000 | 624 |
| Income before extraordinary items | $9,616,000 | 612 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $9,616,000 | 612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $820,000 | 1,012 |
| Cash dividends | $8,842,000 | 422 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $9,616,000 | 607 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $44,692,000 | 768 |
| Total interest expense | $14,848,000 | 921 |
| Net interest income | $29,844,000 | 674 |
| Provision for loan and lease losses | $975,000 | 947 |
| Total noninterest income | $10,486,000 | 573 |
| Gross Fiduciary activities income | $4,505,000 | 237 |
| Service charges on deposit accounts | $1,675,000 | 783 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $4,306,000 | 696 |
| Total noninterest expense | $25,444,000 | 670 |
| Salaries and employee benefits | $11,255,000 | 638 |
| Premises and equipment expense | $2,501,000 | 876 |
| Additional noninterest expense | $11,688,000 | 622 |
| Pre-tax net operating income | $13,911,000 | 610 |
| Securities gains (losses) | $33,000 | 1,406 |
| Applicable income taxes | $4,304,000 | 644 |
| Income before extraordinary items | $9,640,000 | 583 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $9,640,000 | 583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $600,000 | 1,213 |
| Cash dividends | $8,532,000 | 387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $9,617,230 | 586 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $43,156,000 | 785 |
| Total interest expense | $15,571,000 | 901 |
| Net interest income | $27,585,000 | 707 |
| Provision for loan and lease losses | $1,356,000 | 1,069 |
| Total noninterest income | $10,184,000 | 600 |
| Gross Fiduciary activities income | $4,192,000 | 246 |
| Service charges on deposit accounts | $1,764,000 | 757 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,228,000 | 772 |
| Total noninterest expense | $24,387,000 | 720 |
| Salaries and employee benefits | $11,016,000 | 659 |
| Premises and equipment expense | $2,332,000 | 948 |
| Additional noninterest expense | $11,039,000 | 709 |
| Pre-tax net operating income | $12,026,000 | 603 |
| Securities gains (losses) | $575,000 | 812 |
| Applicable income taxes | $3,517,000 | 735 |
| Income before extraordinary items | $9,084,000 | 585 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $9,084,000 | 603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $656,000 | 1,495 |
| Cash dividends | $6,400,000 | 387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $8,670,000 | 560 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $47,359,000 | 821 |
| Total interest expense | $20,578,000 | 891 |
| Net interest income | $26,781,000 | 746 |
| Provision for loan and lease losses | $1,650,000 | 1,316 |
| Total noninterest income | $9,037,000 | 638 |
| Gross Fiduciary activities income | $4,021,000 | 247 |
| Service charges on deposit accounts | $1,626,000 | 805 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,390,000 | 873 |
| Total noninterest expense | $24,663,000 | 716 |
| Salaries and employee benefits | $11,144,000 | 645 |
| Premises and equipment expense | $2,345,000 | 977 |
| Additional noninterest expense | $11,174,000 | 702 |
| Pre-tax net operating income | $9,505,000 | 675 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $2,063,000 | 1,086 |
| Income before extraordinary items | $7,439,000 | 639 |
| Extraordinary gains, net | $-2,678,000 | 13,897 |
| Net income | $4,761,000 | 1,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,625,000 | 1,132 |
| Cash dividends | $6,023,000 | 321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $7,441,340 | 583 |
* 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.