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Security First Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$3,417,0007,042
Total interest expense$1,155,0008,017
Net interest income$2,262,0006,193
Provision for loan and lease losses$323,0002,452
Total noninterest income$727,0003,870
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$88,0007,095
Trading account gains and fees$0224
Additional Noninterest Income$639,0002,542
Total noninterest expense$2,176,0005,271
Salaries and employee benefits$914,0006,142
Premises and equipment expense$299,0005,389
Additional noninterest expense$963,0004,084
Pre-tax net operating income$490,0007,419
Securities gains (losses)$04,449
Applicable income taxes$17,0008,941
Income before extraordinary items$473,0006,767
Extraordinary gains, net$032
Net income$473,0006,764
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$536,0001,196
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$473,0006,662
1997-12-31 (YTD Data)Rank
Total interest income$2,580,0008,272
Total interest expense$1,161,0008,230
Net interest income$1,419,0008,190
Provision for loan and lease losses$380,0002,180
Total noninterest income$202,0007,815
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$47,0008,496
Trading account gains and fees$0239
Additional Noninterest Income$155,0005,605
Total noninterest expense$3,036,0004,055
Salaries and employee benefits$1,192,0005,125
Premises and equipment expense$274,0005,744
Additional noninterest expense$1,570,0002,613
Pre-tax net operating income$-1,795,00010,892
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-1,795,00010,883
Extraordinary gains, net$044
Net income$-1,795,00010,883
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$639,0001,098
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$3,357,000287
Net operating income$-1,795,00010,873
1996-12-31 (YTD Data)Rank
Total interest income$2,115,0009,231
Total interest expense$1,320,0008,047
Net interest income$795,00010,126
Provision for loan and lease losses$45,0006,812
Total noninterest income$334,0006,581
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$71,0008,245
Trading account gains and fees$0262
Additional Noninterest Income$263,0004,407
Total noninterest expense$3,767,0003,528
Salaries and employee benefits$1,283,0004,901
Premises and equipment expense$418,0004,380
Additional noninterest expense$2,066,0002,385
Pre-tax net operating income$-2,683,00011,419
Securities gains (losses)$04,148
Applicable income taxes$010,572
Income before extraordinary items$-2,683,00011,412
Extraordinary gains, net$053
Net income$-2,683,00011,412
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$529,0001,367
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$2,443,000269
Net operating income$-2,683,00011,406
1995-12-31 (YTD Data)Rank
Total interest income$3,611,0007,412
Total interest expense$1,830,0006,830
Net interest income$1,781,0007,814
Provision for loan and lease losses$663,0001,257
Total noninterest income$801,0003,685
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$129,0007,113
Trading account gains and fees$0522
Additional Noninterest Income$672,0002,360
Total noninterest expense$4,647,0002,899
Salaries and employee benefits$700,0007,714
Premises and equipment expense$792,0002,500
Additional noninterest expense$3,155,0001,630
Pre-tax net operating income$-2,728,00011,944
Securities gains (losses)$-41,00011,061
Applicable income taxes$011,151
Income before extraordinary items$-2,769,00011,922
Extraordinary gains, net$065
Net income$-2,769,00011,919
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,338,000521
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$1,850,000229
Net operating income$-2,728,00011,924
1994-12-31 (YTD Data)Rank
Total interest income$5,842,0004,986
Total interest expense$3,104,0003,840
Net interest income$2,738,0006,033
Provision for loan and lease losses$4,165,000327
Total noninterest income$11,992,000514
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$88,0008,439
Trading account gains and fees$0475
Additional Noninterest Income$11,904,000377
Total noninterest expense$15,291,000992
Salaries and employee benefits$5,774,0001,173
Premises and equipment expense$2,072,0001,024
Additional noninterest expense$7,445,000866
Pre-tax net operating income$-4,726,00012,577
Securities gains (losses)$03,600
Applicable income taxes$350,0005,275
Income before extraordinary items$-5,076,00012,552
Extraordinary gains, net$0249
Net income$-5,076,00012,551
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,547,000467
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-5,076,00012,551
1993-12-31 (YTD Data)Rank
Total interest income$11,043,0002,805
Total interest expense$5,996,0002,172
Net interest income$5,047,0003,543
Provision for loan and lease losses$874,0001,433
Total noninterest income$15,360,000452
Gross Fiduciary activities income$581,000715
Service charges on deposit accounts$217,0005,656
Trading account gains and fees$0532
Additional Noninterest Income$14,562,000336
Total noninterest expense$19,168,000878
Salaries and employee benefits$10,142,000704
Premises and equipment expense$2,245,000980
Additional noninterest expense$6,781,000998
Pre-tax net operating income$365,0009,689
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$365,0008,794
Extraordinary gains, net$03,149
Net income$365,0008,954
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$801,0001,322
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$365,0008,527
1992-12-31 (YTD Data)Rank
Total interest income$9,922,0003,509
Total interest expense$4,648,0003,533
Net interest income$5,274,0003,461
Provision for loan and lease losses$1,449,0001,441
Total noninterest income$12,449,000520
Gross Fiduciary activities income$1,444,000452
Service charges on deposit accounts$193,0006,127
Trading account gains and fees$0504
Additional Noninterest Income$10,812,000423
Total noninterest expense$17,739,000934
Salaries and employee benefits$8,990,000767
Premises and equipment expense$1,797,0001,217
Additional noninterest expense$6,952,0001,015
Pre-tax net operating income$-1,465,00013,569
Securities gains (losses)$237,0001,789
Applicable income taxes$2,00012,604
Income before extraordinary items$-1,230,00013,589
Extraordinary gains, net$01,422
Net income$-1,230,00013,586
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$652,0002,073
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-1,467,00013,558

* 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.