Home > State Bank of South Orange > Income and Expense
State Bank of South Orange, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,182,000 | 5,650 |
| Total interest expense | $2,241,000 | 5,807 |
| Net interest income | $2,941,000 | 5,386 |
| Provision for loan and lease losses | $232,000 | 3,133 |
| Total noninterest income | $589,000 | 4,465 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $510,000 | 2,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,409 |
| Total noninterest expense | $2,168,000 | 5,338 |
| Salaries and employee benefits | $1,142,000 | 5,305 |
| Premises and equipment expense | $311,000 | 5,340 |
| Additional noninterest expense | $715,000 | 5,134 |
| Pre-tax net operating income | $1,130,000 | 5,434 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $471,000 | 4,396 |
| Income before extraordinary items | $659,000 | 6,072 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $659,000 | 6,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,692 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $659,000 | 6,027 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,691,000 | 6,211 |
| Total interest expense | $2,051,000 | 6,313 |
| Net interest income | $2,640,000 | 5,979 |
| Provision for loan and lease losses | $192,000 | 3,515 |
| Total noninterest income | $540,000 | 4,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $456,000 | 2,958 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,617 |
| Total noninterest expense | $1,949,000 | 6,040 |
| Salaries and employee benefits | $1,019,000 | 5,905 |
| Premises and equipment expense | $278,000 | 5,870 |
| Additional noninterest expense | $652,000 | 6,017 |
| Pre-tax net operating income | $1,039,000 | 5,601 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $251,000 | 6,439 |
| Income before extraordinary items | $788,000 | 5,367 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $788,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $788,000 | 5,304 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,426,000 | 6,535 |
| Total interest expense | $2,012,000 | 6,437 |
| Net interest income | $2,414,000 | 6,455 |
| Provision for loan and lease losses | $227,000 | 2,779 |
| Total noninterest income | $505,000 | 5,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,460 |
| Total noninterest expense | $1,936,000 | 6,135 |
| Salaries and employee benefits | $974,000 | 6,193 |
| Premises and equipment expense | $268,000 | 6,085 |
| Additional noninterest expense | $694,000 | 5,899 |
| Pre-tax net operating income | $756,000 | 7,028 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $751,000 | 5,708 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $751,000 | 5,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,333 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $756,000 | 5,657 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,192,000 | 7,774 |
| Total interest expense | $1,205,000 | 7,882 |
| Net interest income | $1,987,000 | 7,600 |
| Provision for loan and lease losses | $142,000 | 3,732 |
| Total noninterest income | $466,000 | 5,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 4,032 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,520 |
| Total noninterest expense | $1,842,000 | 6,585 |
| Salaries and employee benefits | $876,000 | 6,778 |
| Premises and equipment expense | $265,000 | 6,269 |
| Additional noninterest expense | $701,000 | 6,303 |
| Pre-tax net operating income | $469,000 | 8,867 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $5,000 | 11,491 |
| Income before extraordinary items | $460,000 | 7,614 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $460,000 | 7,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,030 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $463,960 | 7,637 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,420,000 | 9,355 |
| Total interest expense | $879,000 | 9,641 |
| Net interest income | $1,541,000 | 8,975 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $350,000 | 7,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,733,000 | 7,094 |
| Salaries and employee benefits | $764,000 | 7,548 |
| Premises and equipment expense | $232,000 | 7,056 |
| Additional noninterest expense | $737,000 | 6,316 |
| Pre-tax net operating income | $58,000 | 12,133 |
| Securities gains (losses) | $77,000 | 2,843 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $135,000 | 11,391 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $135,000 | 11,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 5,334 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $58,000 | 12,040 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 10,753 |
| Total interest expense | $891,000 | 10,908 |
| Net interest income | $1,179,000 | 10,401 |
| Provision for loan and lease losses | $75,000 | 8,067 |
| Total noninterest income | $261,000 | 8,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 6,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 9,109 |
| Total noninterest expense | $1,465,000 | 8,045 |
| Salaries and employee benefits | $679,000 | 8,150 |
| Premises and equipment expense | $215,000 | 7,514 |
| Additional noninterest expense | $571,000 | 7,765 |
| Pre-tax net operating income | $-100,000 | 12,944 |
| Securities gains (losses) | $14,000 | 6,053 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-86,000 | 13,050 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-86,000 | 13,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 4,307 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,011,000 | 404 |
| Net operating income | $-100,000 | 12,917 |
* 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.