State Bank and Trust of Colorado Springs, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$6,143,0004,974
Total interest expense$1,582,0007,152
Net interest income$4,561,0003,787
Provision for loan and lease losses$120,0004,629
Total noninterest income$606,0004,382
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$226,0004,964
Trading account gains and feesNANA
Additional Noninterest Income$380,0003,400
Total noninterest expense$2,831,0004,292
Salaries and employee benefits$1,372,0004,584
Premises and equipment expense$589,0003,206
Additional noninterest expense$870,0004,439
Pre-tax net operating income$2,216,0003,231
Securities gains (losses)$60,0001,233
Applicable income taxes$663,0003,400
Income before extraordinary items$1,613,0003,137
Extraordinary gains, net$044
Net income$1,613,0003,137
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,223
Cash dividends$1,205,0001,877
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,570,4003,157
1996-12-31 (YTD Data)Rank
Total interest income$4,978,0005,951
Total interest expense$1,232,0008,285
Net interest income$3,746,0004,559
Provision for loan and lease losses$90,0005,326
Total noninterest income$462,0005,445
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0005,073
Trading account gains and feesNANA
Additional Noninterest Income$229,0004,804
Total noninterest expense$2,429,0005,125
Salaries and employee benefits$1,149,0005,399
Premises and equipment expense$519,0003,663
Additional noninterest expense$761,0005,400
Pre-tax net operating income$1,689,0003,954
Securities gains (losses)$25,0001,832
Applicable income taxes$491,0004,206
Income before extraordinary items$1,223,0003,812
Extraordinary gains, net$053
Net income$1,223,0003,811
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0007,424
Cash dividends$350,0004,182
Sale, conversion, retirement of capital stock, net$-4,00011,295
Net operating income$1,205,2503,811
1995-12-31 (YTD Data)Rank
Total interest income$3,935,0007,071
Total interest expense$909,0009,589
Net interest income$3,026,0005,459
Provision for loan and lease losses$60,0005,704
Total noninterest income$411,0005,888
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$223,0005,297
Trading account gains and feesNANA
Additional Noninterest Income$188,0005,298
Total noninterest expense$2,048,0005,875
Salaries and employee benefits$919,0006,468
Premises and equipment expense$449,0004,121
Additional noninterest expense$680,0005,994
Pre-tax net operating income$1,329,0004,880
Securities gains (losses)$-4,0009,551
Applicable income taxes$395,0004,992
Income before extraordinary items$930,0004,864
Extraordinary gains, net$065
Net income$930,0004,863
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-43,00011,404
Cash dividends$450,0003,566
Sale, conversion, retirement of capital stock, net$-261,00010,490
Net operating income$932,8004,847
1994-12-31 (YTD Data)Rank
Total interest income$3,017,0008,005
Total interest expense$678,00010,218
Net interest income$2,339,0006,780
Provision for loan and lease losses$24,0007,499
Total noninterest income$485,0005,402
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$213,0005,615
Trading account gains and feesNANA
Additional Noninterest Income$272,0004,365
Total noninterest expense$1,832,0006,613
Salaries and employee benefits$761,0007,442
Premises and equipment expense$410,0004,488
Additional noninterest expense$661,0006,597
Pre-tax net operating income$968,0006,086
Securities gains (losses)$-110,00011,591
Applicable income taxes$256,0006,437
Income before extraordinary items$602,0006,523
Extraordinary gains, net$0249
Net income$602,0006,541
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-37,00011,710
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$756,000473
Net operating income$679,0006,107
1993-12-31 (YTD Data)Rank
Total interest income$2,158,0009,869
Total interest expense$557,00011,387
Net interest income$1,601,0008,794
Provision for loan and lease losses$-94,00012,880
Total noninterest income$745,0004,238
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$231,0005,403
Trading account gains and feesNANA
Additional Noninterest Income$514,0003,218
Total noninterest expense$1,572,0007,587
Salaries and employee benefits$673,0008,192
Premises and equipment expense$365,0005,065
Additional noninterest expense$534,0007,919
Pre-tax net operating income$868,0006,482
Securities gains (losses)$-19,00012,913
Applicable income taxes$252,0006,760
Income before extraordinary items$597,0006,801
Extraordinary gains, net$03,149
Net income$597,0006,975
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-35,00012,449
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$610,3006,455
1992-12-31 (YTD Data)Rank
Total interest income$2,035,00010,835
Total interest expense$662,00012,002
Net interest income$1,373,0009,724
Provision for loan and lease losses$43,0009,374
Total noninterest income$502,0005,629
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$290,0004,573
Trading account gains and feesNANA
Additional Noninterest Income$212,0005,472
Total noninterest expense$1,431,0008,172
Salaries and employee benefits$584,0008,959
Premises and equipment expense$358,0005,273
Additional noninterest expense$489,0008,556
Pre-tax net operating income$401,0009,244
Securities gains (losses)$-4,00013,019
Applicable income taxes$142,0008,837
Income before extraordinary items$255,0009,851
Extraordinary gains, net$135,000601
Net income$390,0008,447
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0008,392
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$257,5609,454

* 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.