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Secured Trust Bank, Income and Expense

2003-06-30 (YTD Data)Rank
Total interest income$1,251,0007,174
Total interest expense$422,0006,831
Net interest income$829,0007,179
Provision for loan and lease losses$27,0006,031
Total noninterest income$774,0002,820
Gross Fiduciary activities income$648,000343
Service charges on deposit accounts$45,0006,765
Trading account gains and fees$0150
Additional Noninterest Income$81,0005,693
Total noninterest expense$1,052,0005,818
Salaries and employee benefits$614,0005,539
Premises and equipment expense$114,0006,421
Additional noninterest expense$324,0005,723
Pre-tax net operating income$524,0005,200
Securities gains (losses)$03,782
Applicable income taxes$9,0007,001
Income before extraordinary items$515,0004,718
Extraordinary gains, net$030
Net income$515,0004,718
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,782
Cash dividends$284,0002,980
Sale, conversion, retirement of capital stock, net$0589
Net operating income$515,0004,513
2003-03-31 (YTD Data)Rank
Total interest income$646,0007,129
Total interest expense$225,0006,759
Net interest income$421,0007,151
Provision for loan and lease losses$14,0005,838
Total noninterest income$383,0002,752
Gross Fiduciary activities income$338,000342
Service charges on deposit accounts$21,0006,829
Trading account gains and fees$0134
Additional Noninterest Income$24,0006,621
Total noninterest expense$509,0005,944
Salaries and employee benefits$311,0005,510
Premises and equipment expense$50,0006,781
Additional noninterest expense$148,0005,988
Pre-tax net operating income$281,0004,954
Securities gains (losses)$02,891
Applicable income taxes$1,0007,273
Income before extraordinary items$280,0004,425
Extraordinary gains, net$021
Net income$280,0004,423
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$284,0001,847
Sale, conversion, retirement of capital stock, net$0419
Net operating income$280,0004,229
2002-12-31 (YTD Data)Rank
Total interest income$2,838,0007,016
Total interest expense$1,110,0006,652
Net interest income$1,728,0007,076
Provision for loan and lease losses$54,0006,634
Total noninterest income$1,442,0002,694
Gross Fiduciary activities income$1,293,000359
Service charges on deposit accounts$88,0006,791
Trading account gains and fees$0153
Additional Noninterest Income$61,0007,318
Total noninterest expense$1,976,0005,907
Salaries and employee benefits$1,193,0005,501
Premises and equipment expense$196,0006,807
Additional noninterest expense$587,0006,020
Pre-tax net operating income$1,140,0004,845
Securities gains (losses)$04,537
Applicable income taxes$5,0007,446
Income before extraordinary items$1,135,0004,233
Extraordinary gains, net$070
Net income$1,135,0004,234
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,420
Cash dividends$967,0002,324
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,135,0004,129
2001-12-31 (YTD Data)Rank
Total interest income$3,025,0007,230
Total interest expense$1,602,0006,778
Net interest income$1,423,0007,466
Provision for loan and lease losses$46,0006,803
Total noninterest income$1,601,0002,382
Gross Fiduciary activities income$1,338,000363
Service charges on deposit accounts$157,0005,715
Trading account gains and fees$0177
Additional Noninterest Income$106,0006,307
Total noninterest expense$2,047,0005,641
Salaries and employee benefits$1,214,0005,275
Premises and equipment expense$254,0006,043
Additional noninterest expense$579,0005,973
Pre-tax net operating income$931,0005,089
Securities gains (losses)$33,0002,734
Applicable income taxes$6,0007,708
Income before extraordinary items$958,0004,393
Extraordinary gains, net$0105
Net income$958,0004,394
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$853,0002,526
Sale, conversion, retirement of capital stock, net$0922
Net operating income$925,3304,376
2000-12-31 (YTD Data)Rank
Total interest income$2,957,0007,458
Total interest expense$1,774,0006,644
Net interest income$1,183,0008,107
Provision for loan and lease losses$37,0006,967
Total noninterest income$1,524,0002,316
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$92,0006,724
Trading account gains and feesNANA
Additional Noninterest Income$1,432,0001,431
Total noninterest expense$1,930,0005,800
Salaries and employee benefits$1,175,0005,309
Premises and equipment expense$199,0006,795
Additional noninterest expense$556,0006,036
Pre-tax net operating income$740,0006,072
Securities gains (losses)$01,956
Applicable income taxes$252,0004,961
Income before extraordinary items$488,0006,388
Extraordinary gains, net$038
Net income$488,0006,386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$126,0005,703
Sale, conversion, retirement of capital stock, net$0969
Net operating income$488,0006,400
1999-12-31 (YTD Data)Rank
Total interest income$2,747,0007,657
Total interest expense$1,595,0006,738
Net interest income$1,152,0008,299
Provision for loan and lease losses$46,0006,693
Total noninterest income$1,288,0002,561
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$107,0006,576
Trading account gains and feesNANA
Additional Noninterest Income$1,181,0001,668
Total noninterest expense$1,750,0006,176
Salaries and employee benefits$1,018,0005,811
Premises and equipment expense$164,0007,413
Additional noninterest expense$568,0006,032
Pre-tax net operating income$644,0006,550
Securities gains (losses)$16,0001,502
Applicable income taxes$228,0005,425
Income before extraordinary items$432,0006,804
Extraordinary gains, net$035
Net income$432,0006,803
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$125,0005,846
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$421,6006,837
1998-12-31 (YTD Data)Rank
Total interest income$2,614,0007,963
Total interest expense$1,667,0006,841
Net interest income$947,0008,920
Provision for loan and lease losses$21,0007,700
Total noninterest income$1,164,0002,758
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$134,0006,208
Trading account gains and feesNANA
Additional Noninterest Income$1,030,0001,811
Total noninterest expense$1,683,0006,259
Salaries and employee benefits$990,0005,831
Premises and equipment expense$163,0007,375
Additional noninterest expense$530,0006,236
Pre-tax net operating income$407,0007,839
Securities gains (losses)$33,0002,048
Applicable income taxes$139,0006,991
Income before extraordinary items$301,0007,882
Extraordinary gains, net$032
Net income$301,0007,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$91,0006,372
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$278,5607,979
1997-12-31 (YTD Data)Rank
Total interest income$1,981,0009,030
Total interest expense$1,170,0008,201
Net interest income$811,0009,638
Provision for loan and lease losses$2,0008,765
Total noninterest income$1,071,0002,883
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$186,0005,559
Trading account gains and feesNANA
Additional Noninterest Income$885,0001,891
Total noninterest expense$1,608,0006,520
Salaries and employee benefits$945,0006,083
Premises and equipment expense$139,0008,048
Additional noninterest expense$524,0006,320
Pre-tax net operating income$272,0009,167
Securities gains (losses)$2,0003,292
Applicable income taxes$108,0008,273
Income before extraordinary items$166,0009,436
Extraordinary gains, net$044
Net income$166,0009,438
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$23,0007,575
Sale, conversion, retirement of capital stock, net$3,100,000300
Net operating income$164,7209,417

* 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.