Home > State Financial Bank > Income and Expense
State Financial Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,421,000 | 5,294 |
| Total interest expense | $2,576,000 | 5,107 |
| Net interest income | $2,845,000 | 5,366 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $749,000 | 3,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $555,000 | 2,759 |
| Total noninterest expense | $3,214,000 | 3,977 |
| Salaries and employee benefits | $1,506,000 | 4,322 |
| Premises and equipment expense | $434,000 | 4,241 |
| Additional noninterest expense | $1,274,000 | 3,261 |
| Pre-tax net operating income | $135,000 | 8,890 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $162,000 | 6,132 |
| Income before extraordinary items | $-27,000 | 9,481 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-22,000 | 9,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,125 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-27,000 | 9,457 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,199,000 | 4,876 |
| Total interest expense | $3,492,000 | 4,134 |
| Net interest income | $2,707,000 | 5,543 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $865,000 | 3,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $575,000 | 2,719 |
| Total noninterest expense | $3,303,000 | 3,795 |
| Salaries and employee benefits | $1,502,000 | 4,232 |
| Premises and equipment expense | $387,000 | 4,543 |
| Additional noninterest expense | $1,414,000 | 2,925 |
| Pre-tax net operating income | $29,000 | 9,690 |
| Securities gains (losses) | $22,000 | 2,353 |
| Applicable income taxes | $136,000 | 7,036 |
| Income before extraordinary items | $-85,000 | 9,946 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-85,000 | 9,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 2,029 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-99,080 | 9,919 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,596,000 | 4,728 |
| Total interest expense | $3,697,000 | 3,951 |
| Net interest income | $2,899,000 | 5,444 |
| Provision for loan and lease losses | $639,000 | 1,431 |
| Total noninterest income | $1,171,000 | 2,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 3,910 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $855,000 | 1,944 |
| Total noninterest expense | $2,961,000 | 4,135 |
| Salaries and employee benefits | $1,628,000 | 3,965 |
| Premises and equipment expense | $435,000 | 4,157 |
| Additional noninterest expense | $898,000 | 4,321 |
| Pre-tax net operating income | $470,000 | 8,089 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $5,000 | 9,963 |
| Income before extraordinary items | $469,000 | 7,174 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $469,000 | 7,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $423,000 | 1,527 |
| Cash dividends | $791,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $465,040 | 7,147 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,269,000 | 5,020 |
| Total interest expense | $3,405,000 | 4,295 |
| Net interest income | $2,864,000 | 5,638 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $1,198,000 | 2,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $845,000 | 2,022 |
| Total noninterest expense | $2,638,000 | 4,806 |
| Salaries and employee benefits | $1,452,000 | 4,446 |
| Premises and equipment expense | $370,000 | 4,833 |
| Additional noninterest expense | $816,000 | 5,135 |
| Pre-tax net operating income | $1,184,000 | 5,167 |
| Securities gains (losses) | $-30,000 | 10,843 |
| Applicable income taxes | $265,000 | 6,241 |
| Income before extraordinary items | $889,000 | 4,917 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $889,000 | 4,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,327 |
| Cash dividends | $260,000 | 4,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $912,100 | 4,767 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,519,000 | 5,574 |
| Total interest expense | $2,880,000 | 4,940 |
| Net interest income | $2,639,000 | 6,070 |
| Provision for loan and lease losses | $186,000 | 3,166 |
| Total noninterest income | $1,257,000 | 2,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $949,000 | 1,865 |
| Total noninterest expense | $2,749,000 | 4,599 |
| Salaries and employee benefits | $1,453,000 | 4,413 |
| Premises and equipment expense | $437,000 | 4,211 |
| Additional noninterest expense | $859,000 | 4,950 |
| Pre-tax net operating income | $961,000 | 6,149 |
| Securities gains (losses) | $-938,000 | 11,863 |
| Applicable income taxes | $10,000 | 10,932 |
| Income before extraordinary items | $13,000 | 11,455 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $13,000 | 11,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,829 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $613,320 | 6,529 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,532,000 | 6,118 |
| Total interest expense | $2,538,000 | 4,588 |
| Net interest income | $1,994,000 | 7,585 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $1,195,000 | 2,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,912 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $936,000 | 1,920 |
| Total noninterest expense | $2,466,000 | 5,224 |
| Salaries and employee benefits | $1,154,000 | 5,439 |
| Premises and equipment expense | $383,000 | 4,757 |
| Additional noninterest expense | $929,000 | 5,034 |
| Pre-tax net operating income | $710,000 | 7,338 |
| Securities gains (losses) | $-295,000 | 12,106 |
| Applicable income taxes | $-45,000 | 12,201 |
| 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 | $17,000 | 6,849 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $755,000 | 5,653 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,609,000 | 7,390 |
| Total interest expense | $1,874,000 | 6,148 |
| Net interest income | $1,735,000 | 8,403 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $1,859,000 | 2,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 5,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,637,000 | 1,451 |
| Total noninterest expense | $2,607,000 | 5,088 |
| Salaries and employee benefits | $1,459,000 | 4,384 |
| Premises and equipment expense | $299,000 | 5,874 |
| Additional noninterest expense | $849,000 | 5,630 |
| Pre-tax net operating income | $877,000 | 6,442 |
| Securities gains (losses) | $768,000 | 655 |
| Applicable income taxes | $451,000 | 4,580 |
| Income before extraordinary items | $1,194,000 | 4,039 |
| Extraordinary gains, net | $121,000 | 1,417 |
| Net income | $1,315,000 | 3,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $384,000 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $633,360 | 6,303 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 8,815 |
| Total interest expense | $1,743,000 | 7,781 |
| Net interest income | $1,348,000 | 9,809 |
| Provision for loan and lease losses | $20,000 | 10,574 |
| Total noninterest income | $1,598,000 | 2,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 7,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,450,000 | 1,554 |
| Total noninterest expense | $2,124,000 | 6,100 |
| Salaries and employee benefits | $1,007,000 | 5,989 |
| Premises and equipment expense | $281,000 | 6,265 |
| Additional noninterest expense | $836,000 | 5,856 |
| Pre-tax net operating income | $802,000 | 6,554 |
| Securities gains (losses) | $220,000 | 1,877 |
| Applicable income taxes | $295,000 | 5,996 |
| Income before extraordinary items | $727,000 | 5,766 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $727,000 | 5,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 13,052 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $570,800 | 6,431 |
* 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.