Home > SI Bank & Trust > Income and Expense

SI Bank & Trust, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$82,617,000	139
Total interest expense	$35,864,000	114
Net interest income	$46,753,000	159
Provision for loan and lease losses	$544,000	486
Total noninterest income	$-11,712,000	9,116
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$-11,712,000	9,129
Total noninterest expense	$21,985,000	240
Salaries and employee benefits	$12,087,000	206
Premises and equipment expense	$5,888,000	142
Additional noninterest expense	$4,010,000	369
Pre-tax net operating income	$12,512,000	255
Securities gains (losses)	$-4,333,000	9,113
Applicable income taxes	$10,729,000	149
Income before extraordinary items	$-2,550,000	9,106
Extraordinary gains, net	$0	16
Net income	$-2,550,000	9,106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,245,000	163
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$223,120	4,921
2003-12-31 (YTD Data)		Rank
Total interest income	$356,985,000	132
Total interest expense	$165,752,000	108
Net interest income	$191,233,000	150
Provision for loan and lease losses	$6,968,000	262
Total noninterest income	$11,553,000	585
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$11,553,000	407
Total noninterest expense	$433,762,000	88
Salaries and employee benefits	$329,554,000	51
Premises and equipment expense	$27,178,000	129
Additional noninterest expense	$77,030,000	149
Pre-tax net operating income	$-237,944,000	9,194
Securities gains (losses)	$307,295,000	8
Applicable income taxes	$54,027,000	120
Income before extraordinary items	$15,324,000	470
Extraordinary gains, net	$0	54
Net income	$15,324,000	472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,624,000	302
Cash dividends	$50,000,000	132
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-181,344,800	9,181
2003-09-30 (YTD Data)		Rank
Total interest income	$279,219,000	135
Total interest expense	$128,741,000	107
Net interest income	$150,478,000	150
Provision for loan and lease losses	$5,523,000	257
Total noninterest income	$62,927,000	174
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$62,927,000	134
Total noninterest expense	$412,907,000	72
Salaries and employee benefits	$317,557,000	40
Premises and equipment expense	$21,958,000	119
Additional noninterest expense	$73,392,000	126
Pre-tax net operating income	$-205,025,000	9,250
Securities gains (losses)	$309,686,000	7
Applicable income taxes	$43,280,000	120
Income before extraordinary items	$61,381,000	149
Extraordinary gains, net	$0	40
Net income	$61,381,000	149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,146,000	226
Cash dividends	$50,000,000	104
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-136,818,040	9,236
2003-06-30 (YTD Data)		Rank
Total interest income	$188,108,000	135
Total interest expense	$86,270,000	108
Net interest income	$101,838,000	148
Provision for loan and lease losses	$3,629,000	256
Total noninterest income	$39,227,000	179
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$39,227,000	137
Total noninterest expense	$258,124,000	74
Salaries and employee benefits	$196,445,000	44
Premises and equipment expense	$14,211,000	124
Additional noninterest expense	$47,468,000	125
Pre-tax net operating income	$-120,688,000	9,282
Securities gains (losses)	$209,082,000	7
Applicable income taxes	$36,433,000	103
Income before extraordinary items	$51,961,000	126
Extraordinary gains, net	$0	30
Net income	$51,961,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,809,000	356
Cash dividends	$25,000,000	112
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-81,851,480	9,267
2003-03-31 (YTD Data)		Rank
Total interest income	$94,967,000	135
Total interest expense	$44,138,000	108
Net interest income	$50,829,000	149
Provision for loan and lease losses	$850,000	429
Total noninterest income	$19,546,000	180
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$19,546,000	141
Total noninterest expense	$119,147,000	82
Salaries and employee benefits	$88,209,000	49
Premises and equipment expense	$6,954,000	126
Additional noninterest expense	$23,984,000	122
Pre-tax net operating income	$-49,622,000	9,328
Securities gains (losses)	$94,092,000	6
Applicable income taxes	$18,417,000	107
Income before extraordinary items	$26,053,000	128
Extraordinary gains, net	$0	21
Net income	$26,053,000	128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,224,000	289
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-34,165,880	9,313
2002-12-31 (YTD Data)		Rank
Total interest income	$391,203,000	137
Total interest expense	$191,410,000	112
Net interest income	$199,793,000	152
Provision for loan and lease losses	$16,204,000	185
Total noninterest income	$61,260,000	206
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$61,260,000	156
Total noninterest expense	$309,812,000	103
Salaries and employee benefits	$226,009,000	64
Premises and equipment expense	$22,995,000	140
Additional noninterest expense	$60,808,000	175
Pre-tax net operating income	$-64,963,000	9,362
Securities gains (losses)	$225,128,000	12
Applicable income taxes	$64,063,000	109
Income before extraordinary items	$96,102,000	140
Extraordinary gains, net	$5,661,000	6
Net income	$101,763,000	133
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,905,000	266
Cash dividends	$64,000,000	119
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-47,979,920	9,348
2001-12-31 (YTD Data)		Rank
Total interest income	$365,295,000	153
Total interest expense	$213,557,000	136
Net interest income	$151,738,000	179
Provision for loan and lease losses	$8,757,000	249
Total noninterest income	$40,940,000	251
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$40,940,000	204
Total noninterest expense	$168,041,000	157
Salaries and employee benefits	$113,678,000	104
Premises and equipment expense	$18,666,000	155
Additional noninterest expense	$35,697,000	250
Pre-tax net operating income	$15,880,000	519
Securities gains (losses)	$94,502,000	24
Applicable income taxes	$41,807,000	140
Income before extraordinary items	$68,575,000	157
Extraordinary gains, net	$0	105
Net income	$68,575,000	157
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,354,000	401
Cash dividends	$60,000,000	121
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$8,093,720	669
2000-12-31 (YTD Data)		Rank
Total interest income	$333,153,000	182
Total interest expense	$206,221,000	163
Net interest income	$126,932,000	201
Provision for loan and lease losses	$652,000	1,495
Total noninterest income	$27,927,000	307
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$27,927,000	241
Total noninterest expense	$96,281,000	222
Salaries and employee benefits	$56,891,000	167
Premises and equipment expense	$14,978,000	182
Additional noninterest expense	$24,412,000	308
Pre-tax net operating income	$57,926,000	206
Securities gains (losses)	$21,315,000	17
Applicable income taxes	$29,790,000	161
Income before extraordinary items	$49,451,000	174
Extraordinary gains, net	$0	38
Net income	$49,451,000	173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$947,000	778
Cash dividends	$104,000,000	81
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$35,809,400	222
1999-12-31 (YTD Data)		Rank
Total interest income	$263,399,000	191
Total interest expense	$142,299,000	182
Net interest income	$121,100,000	205
Provision for loan and lease losses	$-1,843,000	10,208
Total noninterest income	$20,859,000	381
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$20,859,000	295
Total noninterest expense	$82,350,000	249
Salaries and employee benefits	$50,123,000	177
Premises and equipment expense	$12,169,000	217
Additional noninterest expense	$20,058,000	362
Pre-tax net operating income	$61,452,000	217
Securities gains (losses)	$18,691,000	25
Applicable income taxes	$28,285,000	188
Income before extraordinary items	$51,858,000	185
Extraordinary gains, net	$0	35
Net income	$51,858,000	186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$246,000	2,102
Cash dividends	$80,000,000	106
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$39,708,850	218
1998-12-31 (YTD Data)		Rank
Total interest income	$200,039,000	221
Total interest expense	$91,616,000	231
Net interest income	$108,423,000	209
Provision for loan and lease losses	$1,593,000	680
Total noninterest income	$11,394,000	553
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$11,394,000	411
Total noninterest expense	$55,116,000	321
Salaries and employee benefits	$30,700,000	251
Premises and equipment expense	$10,824,000	229
Additional noninterest expense	$13,592,000	472
Pre-tax net operating income	$63,108,000	206
Securities gains (losses)	$13,972,000	54
Applicable income taxes	$32,179,000	164
Income before extraordinary items	$44,901,000	202
Extraordinary gains, net	$0	32
Net income	$44,901,000	203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$534,000	1,201
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$35,958,920	221
1997-12-31 (YTD Data)		Rank
Total interest income	$146,407,000	294
Total interest expense	$60,057,000	343
Net interest income	$86,350,000	257
Provision for loan and lease losses	$5,974,000	295
Total noninterest income	$7,820,000	677
Gross Fiduciary activities income	$125,000	1,003
Service charges on deposit accounts	$2,572,000	515
Trading account gains and fees	$0	239
Additional Noninterest Income	$5,123,000	608
Total noninterest expense	$42,812,000	381
Salaries and employee benefits	$21,262,000	337
Premises and equipment expense	$7,206,000	321
Additional noninterest expense	$14,344,000	427
Pre-tax net operating income	$45,384,000	243
Securities gains (losses)	$-85,000	10,743
Applicable income taxes	$16,906,000	244
Income before extraordinary items	$28,393,000	262
Extraordinary gains, net	$0	44
Net income	$28,393,000	262
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$197,000	2,575
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$253,592,000	6
Net operating income	$28,447,400	251
1996-12-31 (YTD Data)		Rank
Total interest income	$124,388,000	370
Total interest expense	$50,437,000	417
Net interest income	$73,951,000	322
Provision for loan and lease losses	$1,000,000	1,019
Total noninterest income	$6,570,000	785
Gross Fiduciary activities income	$197,000	976
Service charges on deposit accounts	$4,556,000	337
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,817,000	1,231
Total noninterest expense	$39,955,000	461
Salaries and employee benefits	$19,736,000	387
Premises and equipment expense	$5,195,000	454
Additional noninterest expense	$15,024,000	493
Pre-tax net operating income	$39,566,000	290
Securities gains (losses)	$-2,710,000	11,435
Applicable income taxes	$15,081,000	275
Income before extraordinary items	$21,775,000	321
Extraordinary gains, net	$0	53
Net income	$21,775,000	321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,727,000	630
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$23,509,400	301
1995-12-31 (YTD Data)		Rank
Total interest income	$104,149,000	435
Total interest expense	$44,234,000	490
Net interest income	$59,915,000	390
Provision for loan and lease losses	$0	8,958
Total noninterest income	$4,419,000	1,038
Gross Fiduciary activities income	$79,000	1,210
Service charges on deposit accounts	$2,474,000	567
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,866,000	1,179
Total noninterest expense	$32,820,000	544
Salaries and employee benefits	$15,735,000	473
Premises and equipment expense	$4,178,000	574
Additional noninterest expense	$12,907,000	560
Pre-tax net operating income	$31,514,000	347
Securities gains (losses)	$-305,000	11,752
Applicable income taxes	$17,984,000	249
Income before extraordinary items	$13,225,000	492
Extraordinary gains, net	$0	65
Net income	$13,225,000	493
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$446,000	1,483
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$13,420,200	482
1994-12-31 (YTD Data)		Rank
Total interest income	$90,437,000	435
Total interest expense	$36,532,000	467
Net interest income	$53,905,000	417
Provision for loan and lease losses	$75,000	5,153
Total noninterest income	$2,597,000	1,524
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,228,000	1,080
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,369,000	1,483
Total noninterest expense	$25,507,000	668
Salaries and employee benefits	$11,420,000	630
Premises and equipment expense	$3,586,000	647
Additional noninterest expense	$10,501,000	676
Pre-tax net operating income	$30,920,000	324
Securities gains (losses)	$-639,000	12,308
Applicable income taxes	$14,078,000	270
Income before extraordinary items	$16,203,000	379
Extraordinary gains, net	$0	249
Net income	$16,203,000	380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	3,202
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$16,611,960	379
1993-12-31 (YTD Data)		Rank
Total interest income	$93,143,000	420
Total interest expense	$38,327,000	437
Net interest income	$54,816,000	410
Provision for loan and lease losses	$1,286,000	1,107
Total noninterest income	$2,422,000	1,721
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,132,000	1,182
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,290,000	1,725
Total noninterest expense	$24,810,000	711
Salaries and employee benefits	$11,497,000	640
Premises and equipment expense	$3,458,000	681
Additional noninterest expense	$9,855,000	772
Pre-tax net operating income	$31,142,000	289
Securities gains (losses)	$782,000	645
Applicable income taxes	$14,150,000	236
Income before extraordinary items	$17,774,000	340
Extraordinary gains, net	$-1,514,000	13,223
Net income	$16,260,000	374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$409,000	2,023
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$17,273,520	331
1992-12-31 (YTD Data)		Rank
Total interest income	$96,057,000	448
Total interest expense	$49,453,000	443
Net interest income	$46,604,000	471
Provision for loan and lease losses	$2,243,000	1,057
Total noninterest income	$1,926,000	1,985
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$901,000	1,501
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,025,000	1,963
Total noninterest expense	$23,355,000	745
Salaries and employee benefits	$10,799,000	657
Premises and equipment expense	$3,408,000	705
Additional noninterest expense	$9,148,000	830
Pre-tax net operating income	$22,932,000	310
Securities gains (losses)	$-611,000	13,905
Applicable income taxes	$9,746,000	281
Income before extraordinary items	$12,575,000	403
Extraordinary gains, net	$0	1,422
Net income	$12,575,000	407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$890,000	1,680
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$12,966,040	354

* 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.