Home > Security National Bank > Income and Expense
Security National Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,892,000 | 2,853 |
| Total interest expense | $3,581,000 | 2,456 |
| Net interest income | $6,311,000 | 3,044 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,760,000 | 2,538 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,008,000 | 1,710 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $752,000 | 2,837 |
| Total noninterest expense | $5,940,000 | 2,622 |
| Salaries and employee benefits | $2,201,000 | 3,619 |
| Premises and equipment expense | $910,000 | 2,458 |
| Additional noninterest expense | $2,829,000 | 1,713 |
| Pre-tax net operating income | $1,831,000 | 3,593 |
| Securities gains (losses) | $508,000 | 738 |
| Applicable income taxes | $495,000 | 3,396 |
| Income before extraordinary items | $1,844,000 | 3,046 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,844,000 | 3,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 2,258 |
| Cash dividends | $516,000 | 3,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,442,680 | 3,496 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,347,000 | 2,927 |
| Total interest expense | $2,741,000 | 2,498 |
| Net interest income | $4,606,000 | 3,125 |
| Provision for loan and lease losses | $249,000 | 2,872 |
| Total noninterest income | $1,285,000 | 2,638 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $722,000 | 1,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $563,000 | 2,926 |
| Total noninterest expense | $4,488,000 | 2,617 |
| Salaries and employee benefits | $1,678,000 | 3,561 |
| Premises and equipment expense | $668,000 | 2,520 |
| Additional noninterest expense | $2,142,000 | 1,690 |
| Pre-tax net operating income | $1,154,000 | 4,191 |
| Securities gains (losses) | $572,000 | 624 |
| Applicable income taxes | $347,000 | 3,657 |
| Income before extraordinary items | $1,379,000 | 3,161 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,379,000 | 3,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,219 |
| Cash dividends | $367,000 | 3,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $921,400 | 4,043 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,018,000 | 2,879 |
| Total interest expense | $1,920,000 | 2,469 |
| Net interest income | $3,098,000 | 3,096 |
| Provision for loan and lease losses | $198,000 | 2,542 |
| Total noninterest income | $841,000 | 2,655 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $461,000 | 1,835 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $380,000 | 2,875 |
| Total noninterest expense | $3,037,000 | 2,563 |
| Salaries and employee benefits | $1,119,000 | 3,558 |
| Premises and equipment expense | $442,000 | 2,525 |
| Additional noninterest expense | $1,476,000 | 1,646 |
| Pre-tax net operating income | $704,000 | 4,409 |
| Securities gains (losses) | $564,000 | 531 |
| Applicable income taxes | $262,000 | 3,471 |
| Income before extraordinary items | $1,006,000 | 2,964 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,006,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 1,877 |
| Cash dividends | $240,000 | 3,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $560,440 | 4,278 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,564,000 | 2,837 |
| Total interest expense | $1,023,000 | 2,389 |
| Net interest income | $1,541,000 | 3,103 |
| Provision for loan and lease losses | $49,000 | 3,737 |
| Total noninterest income | $414,000 | 2,601 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $223,000 | 1,831 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $191,000 | 2,797 |
| Total noninterest expense | $1,448,000 | 2,669 |
| Salaries and employee benefits | $559,000 | 3,564 |
| Premises and equipment expense | $225,000 | 2,481 |
| Additional noninterest expense | $664,000 | 1,769 |
| Pre-tax net operating income | $458,000 | 3,705 |
| Securities gains (losses) | $179,000 | 702 |
| Applicable income taxes | $132,000 | 3,455 |
| Income before extraordinary items | $505,000 | 2,927 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $505,000 | 2,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 1,271 |
| Cash dividends | $120,000 | 2,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $363,590 | 3,535 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,125,000 | 2,740 |
| Total interest expense | $4,403,000 | 2,530 |
| Net interest income | $6,722,000 | 2,835 |
| Provision for loan and lease losses | $670,000 | 1,898 |
| Total noninterest income | $1,383,000 | 2,775 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $768,000 | 2,074 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $615,000 | 2,921 |
| Total noninterest expense | $4,872,000 | 2,996 |
| Salaries and employee benefits | $2,036,000 | 3,674 |
| Premises and equipment expense | $769,000 | 2,763 |
| Additional noninterest expense | $2,067,000 | 2,235 |
| Pre-tax net operating income | $2,563,000 | 2,833 |
| Securities gains (losses) | $241,000 | 1,045 |
| Applicable income taxes | $642,000 | 3,009 |
| Income before extraordinary items | $2,162,000 | 2,641 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,162,000 | 2,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,724 |
| Cash dividends | $446,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,976,430 | 2,741 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,674,000 | 3,139 |
| Total interest expense | $5,105,000 | 3,098 |
| Net interest income | $5,569,000 | 3,143 |
| Provision for loan and lease losses | $1,100,000 | 1,160 |
| Total noninterest income | $949,000 | 3,466 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $501,000 | 2,833 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $448,000 | 3,317 |
| Total noninterest expense | $3,873,000 | 3,529 |
| Salaries and employee benefits | $1,718,000 | 4,059 |
| Premises and equipment expense | $675,000 | 3,045 |
| Additional noninterest expense | $1,480,000 | 2,910 |
| Pre-tax net operating income | $1,545,000 | 3,776 |
| Securities gains (losses) | $347,000 | 813 |
| Applicable income taxes | $390,000 | 3,789 |
| Income before extraordinary items | $1,502,000 | 3,222 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,502,000 | 3,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $583,000 | 1,398 |
| Cash dividends | $389,000 | 3,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,227,870 | 3,628 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,999,000 | 3,390 |
| Total interest expense | $5,448,000 | 3,069 |
| Net interest income | $4,551,000 | 3,756 |
| Provision for loan and lease losses | $140,000 | 4,540 |
| Total noninterest income | $556,000 | 4,612 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $258,000 | 4,441 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $298,000 | 3,934 |
| Total noninterest expense | $3,326,000 | 3,879 |
| Salaries and employee benefits | $1,511,000 | 4,340 |
| Premises and equipment expense | $648,000 | 3,072 |
| Additional noninterest expense | $1,167,000 | 3,519 |
| Pre-tax net operating income | $1,641,000 | 3,809 |
| Securities gains (losses) | $26,000 | 887 |
| Applicable income taxes | $349,000 | 4,275 |
| Income before extraordinary items | $1,318,000 | 3,601 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,318,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,782 |
| Cash dividends | $341,000 | 4,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,297,460 | 3,635 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,831,000 | 3,994 |
| Total interest expense | $3,860,000 | 3,695 |
| Net interest income | $3,971,000 | 4,192 |
| Provision for loan and lease losses | $125,000 | 4,648 |
| Total noninterest income | $398,000 | 5,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,575 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,555 |
| Total noninterest expense | $2,626,000 | 4,689 |
| Salaries and employee benefits | $1,252,000 | 5,016 |
| Premises and equipment expense | $585,000 | 3,343 |
| Additional noninterest expense | $789,000 | 4,840 |
| Pre-tax net operating income | $1,618,000 | 3,896 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $408,000 | 4,111 |
| Income before extraordinary items | $1,209,000 | 3,855 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,209,000 | 3,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $418,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,209,750 | 3,819 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,520,000 | 4,665 |
| Total interest expense | $3,147,000 | 4,545 |
| Net interest income | $3,373,000 | 4,728 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $383,000 | 5,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,296 |
| Total noninterest expense | $2,297,000 | 5,068 |
| Salaries and employee benefits | $1,011,000 | 5,750 |
| Premises and equipment expense | $488,000 | 3,782 |
| Additional noninterest expense | $798,000 | 4,691 |
| Pre-tax net operating income | $1,359,000 | 4,478 |
| Securities gains (losses) | $16,000 | 2,616 |
| Applicable income taxes | $371,000 | 4,618 |
| Income before extraordinary items | $1,004,000 | 4,509 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,004,000 | 4,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,552 |
| Cash dividends | $451,000 | 3,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $992,320 | 4,448 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,028,000 | 5,783 |
| Total interest expense | $2,302,000 | 5,717 |
| Net interest income | $2,726,000 | 5,712 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $299,000 | 6,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,624 |
| Total noninterest expense | $1,968,000 | 5,718 |
| Salaries and employee benefits | $868,000 | 6,448 |
| Premises and equipment expense | $455,000 | 4,006 |
| Additional noninterest expense | $645,000 | 5,533 |
| Pre-tax net operating income | $947,000 | 6,000 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $265,000 | 6,106 |
| Income before extraordinary items | $686,000 | 5,963 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $686,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 10,638 |
| Cash dividends | $383,000 | 4,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $683,120 | 5,930 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,804,000 | 7,048 |
| Total interest expense | $1,695,000 | 7,099 |
| Net interest income | $2,109,000 | 6,937 |
| Provision for loan and lease losses | $138,000 | 4,289 |
| Total noninterest income | $183,000 | 8,489 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $1,893,000 | 6,178 |
| Salaries and employee benefits | $920,000 | 6,369 |
| Premises and equipment expense | $436,000 | 4,234 |
| Additional noninterest expense | $537,000 | 6,789 |
| Pre-tax net operating income | $261,000 | 9,401 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $69,000 | 9,344 |
| Income before extraordinary items | $192,000 | 9,375 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $192,000 | 9,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,437 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $192,000 | 9,320 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,310,000 | 7,786 |
| Total interest expense | $1,443,000 | 7,844 |
| Net interest income | $1,867,000 | 7,610 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $112,000 | 10,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 8,644 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $1,518,000 | 7,208 |
| Salaries and employee benefits | $661,000 | 7,981 |
| Premises and equipment expense | $303,000 | 5,581 |
| Additional noninterest expense | $554,000 | 6,830 |
| Pre-tax net operating income | $341,000 | 9,451 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $103,000 | 9,125 |
| Income before extraordinary items | $238,000 | 9,523 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $238,000 | 9,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $238,000 | 9,507 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,671,000 | 8,615 |
| Total interest expense | $940,000 | 8,948 |
| Net interest income | $1,731,000 | 8,223 |
| Provision for loan and lease losses | $370,000 | 1,931 |
| Total noninterest income | $118,000 | 10,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 9,309 |
| Total noninterest expense | $1,834,000 | 6,605 |
| Salaries and employee benefits | $630,000 | 8,403 |
| Premises and equipment expense | $310,000 | 5,563 |
| Additional noninterest expense | $894,000 | 5,195 |
| Pre-tax net operating income | $-355,000 | 12,326 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-85,000 | 12,278 |
| Income before extraordinary items | $-270,000 | 12,258 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-270,000 | 12,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 1,962 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-270,000 | 12,278 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 9,450 |
| Total interest expense | $868,000 | 9,704 |
| Net interest income | $1,494,000 | 9,130 |
| Provision for loan and lease losses | $53,000 | 7,335 |
| Total noninterest income | $119,000 | 10,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 9,815 |
| Total noninterest expense | $1,610,000 | 7,473 |
| Salaries and employee benefits | $577,000 | 9,000 |
| Premises and equipment expense | $256,000 | 6,582 |
| Additional noninterest expense | $777,000 | 6,061 |
| Pre-tax net operating income | $-50,000 | 12,533 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $-6,000 | 12,763 |
| Income before extraordinary items | $-42,000 | 12,610 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-42,000 | 12,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 6,011 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,001,000 | 461 |
| Net operating income | $-43,740 | 12,499 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,355,000 | 10,177 |
| Total interest expense | $1,044,000 | 10,208 |
| Net interest income | $1,311,000 | 9,948 |
| Provision for loan and lease losses | $132,000 | 6,450 |
| Total noninterest income | $107,000 | 11,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 10,228 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $1,214,000 | 8,982 |
| Salaries and employee benefits | $495,000 | 9,829 |
| Premises and equipment expense | $189,000 | 8,102 |
| Additional noninterest expense | $530,000 | 8,195 |
| Pre-tax net operating income | $72,000 | 12,263 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $11,000 | 12,338 |
| Income before extraordinary items | $61,000 | 12,463 |
| Extraordinary gains, net | $92,000 | 776 |
| Net income | $153,000 | 11,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 6,045 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $61,000 | 12,177 |
* 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.