Home > Security National Bank & Trust Company of New Jersey > Income and Expense
Security National Bank & Trust Company of New Jersey, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,012,000 | 5,062 |
| Total interest expense | $2,376,000 | 5,613 |
| Net interest income | $3,636,000 | 4,584 |
| Provision for loan and lease losses | $370,000 | 2,214 |
| Total noninterest income | $555,000 | 4,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $472,000 | 2,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $4,109,000 | 3,101 |
| Salaries and employee benefits | $2,231,000 | 2,972 |
| Premises and equipment expense | $787,000 | 2,459 |
| Additional noninterest expense | $1,091,000 | 3,616 |
| Pre-tax net operating income | $-288,000 | 10,627 |
| Securities gains (losses) | $28,000 | 1,673 |
| Applicable income taxes | $5,000 | 9,963 |
| Income before extraordinary items | $-265,000 | 10,647 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-265,000 | 10,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,170 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 891 |
| Net operating income | $-293,000 | 10,647 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,657,000 | 5,405 |
| Total interest expense | $2,080,000 | 6,268 |
| Net interest income | $3,577,000 | 4,737 |
| Provision for loan and lease losses | $105,000 | 4,971 |
| Total noninterest income | $531,000 | 4,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,241 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,675 |
| Total noninterest expense | $3,703,000 | 3,583 |
| Salaries and employee benefits | $2,060,000 | 3,243 |
| Premises and equipment expense | $691,000 | 2,845 |
| Additional noninterest expense | $952,000 | 4,588 |
| Pre-tax net operating income | $300,000 | 9,134 |
| Securities gains (losses) | $41,000 | 1,473 |
| Applicable income taxes | $91,000 | 8,903 |
| Income before extraordinary items | $250,000 | 8,839 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $250,000 | 8,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,829 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 734 |
| Net operating income | $220,070 | 9,052 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,582,000 | 5,525 |
| Total interest expense | $2,223,000 | 6,039 |
| Net interest income | $3,359,000 | 5,035 |
| Provision for loan and lease losses | $78,000 | 5,177 |
| Total noninterest income | $498,000 | 5,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $386,000 | 3,469 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,865 |
| Total noninterest expense | $3,552,000 | 3,691 |
| Salaries and employee benefits | $1,920,000 | 3,428 |
| Premises and equipment expense | $679,000 | 2,891 |
| Additional noninterest expense | $953,000 | 4,536 |
| Pre-tax net operating income | $227,000 | 10,287 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $79,000 | 9,610 |
| Income before extraordinary items | $148,000 | 10,478 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $148,000 | 10,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,829 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 774 |
| Net operating income | $148,000 | 10,451 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 5,460 |
| Total interest expense | $1,745,000 | 6,220 |
| Net interest income | $3,483,000 | 4,962 |
| Provision for loan and lease losses | $105,000 | 4,433 |
| Total noninterest income | $629,000 | 4,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $288,000 | 4,207 |
| Total noninterest expense | $3,823,000 | 3,565 |
| Salaries and employee benefits | $2,025,000 | 3,246 |
| Premises and equipment expense | $683,000 | 2,879 |
| Additional noninterest expense | $1,115,000 | 4,315 |
| Pre-tax net operating income | $184,000 | 11,016 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $44,000 | 10,609 |
| Income before extraordinary items | $140,000 | 10,931 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $140,000 | 10,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,456 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $140,000 | 10,996 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,138,000 | 5,639 |
| Total interest expense | $1,818,000 | 6,291 |
| Net interest income | $3,320,000 | 5,190 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $1,252,000 | 2,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $367,000 | 3,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $885,000 | 2,226 |
| Total noninterest expense | $4,153,000 | 3,371 |
| Salaries and employee benefits | $2,101,000 | 3,121 |
| Premises and equipment expense | $701,000 | 2,875 |
| Additional noninterest expense | $1,351,000 | 3,815 |
| Pre-tax net operating income | $299,000 | 10,253 |
| Securities gains (losses) | $105,000 | 2,440 |
| Applicable income taxes | $161,000 | 8,402 |
| Income before extraordinary items | $243,000 | 10,129 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $243,000 | 10,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 5,035 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $175,800 | 10,717 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,474,000 | 5,925 |
| Total interest expense | $2,234,000 | 6,549 |
| Net interest income | $3,240,000 | 5,353 |
| Provision for loan and lease losses | $100,000 | 7,236 |
| Total noninterest income | $1,357,000 | 2,586 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,932 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,009,000 | 1,989 |
| Total noninterest expense | $4,236,000 | 3,328 |
| Salaries and employee benefits | $2,154,000 | 2,986 |
| Premises and equipment expense | $826,000 | 2,506 |
| Additional noninterest expense | $1,256,000 | 4,167 |
| Pre-tax net operating income | $261,000 | 10,507 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $95,000 | 10,051 |
| Income before extraordinary items | $166,000 | 11,048 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $166,000 | 11,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 6,028 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $166,000 | 10,715 |
* 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.