Home > State Bank & Trust Company > Income and Expense
State Bank & Trust Company, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,215,000 | 2,879 |
| Total interest expense | $3,618,000 | 3,927 |
| Net interest income | $7,597,000 | 2,325 |
| Provision for loan and lease losses | $1,126,000 | 885 |
| Total noninterest income | $1,345,000 | 2,474 |
| Gross Fiduciary activities income | $10,000 | 1,265 |
| Service charges on deposit accounts | $890,000 | 1,465 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $445,000 | 3,188 |
| Total noninterest expense | $4,598,000 | 2,931 |
| Salaries and employee benefits | $2,077,000 | 3,322 |
| Premises and equipment expense | $836,000 | 2,420 |
| Additional noninterest expense | $1,685,000 | 2,558 |
| Pre-tax net operating income | $3,218,000 | 2,261 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,140,000 | 2,005 |
| Income before extraordinary items | $2,078,000 | 2,489 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,078,000 | 2,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,069,000 | 680 |
| Cash dividends | $850,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,078,000 | 2,450 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,149,000 | 2,891 |
| Total interest expense | $3,777,000 | 3,856 |
| Net interest income | $7,372,000 | 2,318 |
| Provision for loan and lease losses | $612,000 | 1,459 |
| Total noninterest income | $1,334,000 | 2,473 |
| Gross Fiduciary activities income | $7,000 | 1,317 |
| Service charges on deposit accounts | $927,000 | 1,355 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $400,000 | 3,447 |
| Total noninterest expense | $4,724,000 | 2,751 |
| Salaries and employee benefits | $2,100,000 | 3,183 |
| Premises and equipment expense | $714,000 | 2,714 |
| Additional noninterest expense | $1,910,000 | 2,194 |
| Pre-tax net operating income | $3,370,000 | 2,137 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,460,000 | 1,672 |
| Income before extraordinary items | $1,910,000 | 2,661 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,910,000 | 2,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,275 |
| Cash dividends | $850,000 | 2,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,910,000 | 2,585 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,099,000 | 3,203 |
| Total interest expense | $3,354,000 | 4,277 |
| Net interest income | $6,745,000 | 2,577 |
| Provision for loan and lease losses | $422,000 | 2,011 |
| Total noninterest income | $1,260,000 | 2,518 |
| Gross Fiduciary activities income | $1,000 | 1,427 |
| Service charges on deposit accounts | $847,000 | 1,533 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $412,000 | 3,231 |
| Total noninterest expense | $4,573,000 | 2,777 |
| Salaries and employee benefits | $1,903,000 | 3,457 |
| Premises and equipment expense | $826,000 | 2,346 |
| Additional noninterest expense | $1,844,000 | 2,259 |
| Pre-tax net operating income | $3,010,000 | 2,489 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,204,000 | 2,077 |
| Income before extraordinary items | $1,806,000 | 2,819 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,806,000 | 2,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,009 |
| Cash dividends | $665,000 | 2,878 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,806,000 | 2,771 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,383,000 | 3,473 |
| Total interest expense | $3,113,000 | 4,623 |
| Net interest income | $6,270,000 | 2,820 |
| Provision for loan and lease losses | $365,000 | 2,228 |
| Total noninterest income | $1,099,000 | 2,886 |
| Gross Fiduciary activities income | $1,000 | 1,500 |
| Service charges on deposit accounts | $771,000 | 1,738 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $327,000 | 3,872 |
| Total noninterest expense | $4,202,000 | 3,195 |
| Salaries and employee benefits | $1,768,000 | 3,735 |
| Premises and equipment expense | $732,000 | 2,672 |
| Additional noninterest expense | $1,702,000 | 2,816 |
| Pre-tax net operating income | $2,802,000 | 2,507 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $1,049,000 | 2,253 |
| Income before extraordinary items | $1,751,000 | 2,777 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,751,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,285 |
| Cash dividends | $530,000 | 3,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,752,280 | 2,731 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,462,000 | 3,818 |
| Total interest expense | $2,765,000 | 5,113 |
| Net interest income | $5,697,000 | 3,120 |
| Provision for loan and lease losses | $457,000 | 1,692 |
| Total noninterest income | $1,034,000 | 3,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $732,000 | 1,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $302,000 | 3,980 |
| Total noninterest expense | $3,998,000 | 3,322 |
| Salaries and employee benefits | $1,665,000 | 3,898 |
| Premises and equipment expense | $590,000 | 3,247 |
| Additional noninterest expense | $1,743,000 | 2,693 |
| Pre-tax net operating income | $2,276,000 | 3,116 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $818,000 | 2,827 |
| Income before extraordinary items | $1,458,000 | 3,327 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,458,000 | 3,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,297 |
| Cash dividends | $450,000 | 3,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,458,000 | 3,304 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,119,000 | 4,156 |
| Total interest expense | $2,212,000 | 5,133 |
| Net interest income | $4,907,000 | 3,631 |
| Provision for loan and lease losses | $429,000 | 1,727 |
| Total noninterest income | $914,000 | 3,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $692,000 | 1,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,938 |
| Total noninterest expense | $3,386,000 | 3,958 |
| Salaries and employee benefits | $1,543,000 | 4,178 |
| Premises and equipment expense | $476,000 | 3,957 |
| Additional noninterest expense | $1,367,000 | 3,608 |
| Pre-tax net operating income | $2,006,000 | 3,415 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $744,000 | 2,961 |
| Income before extraordinary items | $1,262,000 | 3,683 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,262,000 | 3,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,730 |
| Cash dividends | $420,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,262,000 | 3,724 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,750,000 | 4,460 |
| Total interest expense | $2,160,000 | 5,472 |
| Net interest income | $4,590,000 | 3,859 |
| Provision for loan and lease losses | $497,000 | 2,115 |
| Total noninterest income | $873,000 | 3,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $660,000 | 2,064 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $213,000 | 5,471 |
| Total noninterest expense | $3,143,000 | 4,331 |
| Salaries and employee benefits | $1,458,000 | 4,386 |
| Premises and equipment expense | $372,000 | 4,997 |
| Additional noninterest expense | $1,313,000 | 3,904 |
| Pre-tax net operating income | $1,823,000 | 3,630 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $623,000 | 3,475 |
| Income before extraordinary items | $1,200,000 | 4,024 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,200,000 | 4,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $462,000 | 1,859 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,200,000 | 3,812 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,172,000 | 4,724 |
| Total interest expense | $2,771,000 | 5,511 |
| Net interest income | $4,401,000 | 4,087 |
| Provision for loan and lease losses | $409,000 | 3,414 |
| Total noninterest income | $785,000 | 4,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $592,000 | 2,323 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,787 |
| Total noninterest expense | $3,183,000 | 4,278 |
| Salaries and employee benefits | $1,385,000 | 4,542 |
| Premises and equipment expense | $419,000 | 4,626 |
| Additional noninterest expense | $1,379,000 | 3,847 |
| Pre-tax net operating income | $1,594,000 | 3,817 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $595,000 | 3,456 |
| Income before extraordinary items | $999,000 | 4,515 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $999,000 | 4,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 3,660 |
| Cash dividends | $380,000 | 3,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $999,000 | 4,191 |
* 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.