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St. James Bank & Trust Company, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$11,355,0002,839
Total interest expense$4,796,0003,120
Net interest income$6,559,0002,602
Provision for loan and lease losses$570,0001,556
Total noninterest income$1,203,0002,683
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$953,0001,308
Trading account gains and fees$0224
Additional Noninterest Income$250,0004,429
Total noninterest expense$5,757,0002,269
Salaries and employee benefits$2,651,0002,548
Premises and equipment expense$1,388,0001,408
Additional noninterest expense$1,718,0002,421
Pre-tax net operating income$1,435,0004,324
Securities gains (losses)$-2,0009,897
Applicable income taxes$403,0004,395
Income before extraordinary items$1,030,0004,406
Extraordinary gains, net$032
Net income$1,030,0004,405
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$324,0001,758
Cash dividends$2,117,0001,265
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,031,4404,304
1997-12-31 (YTD Data)Rank
Total interest income$10,226,0003,172
Total interest expense$4,224,0003,480
Net interest income$6,002,0002,905
Provision for loan and lease losses$250,0002,930
Total noninterest income$1,227,0002,582
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$986,0001,303
Trading account gains and fees$0239
Additional Noninterest Income$241,0004,467
Total noninterest expense$4,481,0002,833
Salaries and employee benefits$2,190,0003,029
Premises and equipment expense$868,0002,269
Additional noninterest expense$1,423,0002,877
Pre-tax net operating income$2,498,0002,921
Securities gains (losses)$1,0003,559
Applicable income taxes$679,0003,315
Income before extraordinary items$1,820,0002,802
Extraordinary gains, net$044
Net income$1,820,0002,801
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$349,0001,772
Cash dividends$1,099,0002,026
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,819,2702,755
1996-12-31 (YTD Data)Rank
Total interest income$9,100,0003,578
Total interest expense$3,723,0003,958
Net interest income$5,377,0003,295
Provision for loan and lease losses$310,0002,501
Total noninterest income$1,079,0002,944
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$909,0001,476
Trading account gains and fees$0262
Additional Noninterest Income$170,0005,600
Total noninterest expense$4,230,0003,171
Salaries and employee benefits$2,052,0003,259
Premises and equipment expense$723,0002,701
Additional noninterest expense$1,455,0003,201
Pre-tax net operating income$1,916,0003,519
Securities gains (losses)$-28,00010,807
Applicable income taxes$529,0003,968
Income before extraordinary items$1,359,0003,497
Extraordinary gains, net$053
Net income$1,359,0003,496
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$647,0001,185
Cash dividends$357,0004,153
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,379,1603,405
1995-12-31 (YTD Data)Rank
Total interest income$9,287,0003,515
Total interest expense$3,750,0003,901
Net interest income$5,537,0003,208
Provision for loan and lease losses$1,260,000798
Total noninterest income$1,168,0002,777
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$928,0001,472
Trading account gains and fees$0522
Additional Noninterest Income$240,0004,595
Total noninterest expense$4,069,0003,274
Salaries and employee benefits$1,824,0003,601
Premises and equipment expense$682,0002,884
Additional noninterest expense$1,563,0002,987
Pre-tax net operating income$1,376,0004,762
Securities gains (losses)$03,831
Applicable income taxes$372,0005,199
Income before extraordinary items$1,004,0004,606
Extraordinary gains, net$065
Net income$1,004,0004,604
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$617,0001,210
Cash dividends$1,346,0001,632
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,004,0004,576
1994-12-31 (YTD Data)Rank
Total interest income$8,837,0003,399
Total interest expense$3,131,0003,805
Net interest income$5,706,0003,142
Provision for loan and lease losses$455,0001,658
Total noninterest income$1,002,0003,113
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$776,0001,740
Trading account gains and fees$0475
Additional Noninterest Income$226,0004,871
Total noninterest expense$3,947,0003,473
Salaries and employee benefits$1,827,0003,571
Premises and equipment expense$647,0003,045
Additional noninterest expense$1,473,0003,364
Pre-tax net operating income$2,306,0003,043
Securities gains (losses)$-2,0009,023
Applicable income taxes$627,0003,379
Income before extraordinary items$1,677,0002,883
Extraordinary gains, net$0249
Net income$1,677,0002,889
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$649,0001,149
Cash dividends$366,0003,962
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,678,4602,908
1993-12-31 (YTD Data)Rank
Total interest income$9,290,0003,325
Total interest expense$3,452,0003,634
Net interest income$5,838,0003,104
Provision for loan and lease losses$420,0002,359
Total noninterest income$847,0003,814
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$643,0002,130
Trading account gains and fees$0532
Additional Noninterest Income$204,0005,605
Total noninterest expense$3,736,0003,708
Salaries and employee benefits$1,738,0003,747
Premises and equipment expense$680,0002,965
Additional noninterest expense$1,318,0003,892
Pre-tax net operating income$2,529,0002,681
Securities gains (losses)$17,0004,881
Applicable income taxes$701,0003,114
Income before extraordinary items$1,845,0002,712
Extraordinary gains, net$308,000695
Net income$2,153,0002,409
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$329,0002,325
Cash dividends$325,0004,161
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,832,7602,569
1992-12-31 (YTD Data)Rank
Total interest income$9,832,0003,553
Total interest expense$4,364,0003,757
Net interest income$5,468,0003,347
Provision for loan and lease losses$346,0003,805
Total noninterest income$778,0004,053
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$581,0002,373
Trading account gains and fees$0504
Additional Noninterest Income$197,0005,724
Total noninterest expense$3,410,0004,027
Salaries and employee benefits$1,527,0004,163
Premises and equipment expense$608,0003,312
Additional noninterest expense$1,275,0004,112
Pre-tax net operating income$2,490,0002,502
Securities gains (losses)$11,0006,349
Applicable income taxes$461,0004,267
Income before extraordinary items$2,040,0002,245
Extraordinary gains, net$01,422
Net income$2,040,0002,277
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$222,0003,977
Cash dividends$313,0003,909
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,030,9802,075

* 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.