Home > State Financial Bank > Income and Expense
State Financial Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,980,000 | 1,561 |
| Total interest expense | $8,186,000 | 1,819 |
| Net interest income | $12,794,000 | 1,365 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $3,345,000 | 1,240 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,292,000 | 1,033 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,053,000 | 1,129 |
| Total noninterest expense | $9,453,000 | 1,463 |
| Salaries and employee benefits | $3,206,000 | 2,188 |
| Premises and equipment expense | $1,384,000 | 1,483 |
| Additional noninterest expense | $4,863,000 | 981 |
| Pre-tax net operating income | $6,386,000 | 1,199 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,932,000 | 1,263 |
| Income before extraordinary items | $4,454,000 | 1,223 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,454,000 | 1,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,343 |
| Cash dividends | $3,800,000 | 807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,454,000 | 1,207 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,721,000 | 1,564 |
| Total interest expense | $8,592,000 | 1,778 |
| Net interest income | $12,129,000 | 1,390 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $3,221,000 | 1,277 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,245,000 | 994 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,976,000 | 1,168 |
| Total noninterest expense | $8,809,000 | 1,505 |
| Salaries and employee benefits | $2,828,000 | 2,389 |
| Premises and equipment expense | $1,224,000 | 1,608 |
| Additional noninterest expense | $4,757,000 | 984 |
| Pre-tax net operating income | $6,241,000 | 1,192 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,994,000 | 1,268 |
| Income before extraordinary items | $4,247,000 | 1,257 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,247,000 | 1,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,742 |
| Cash dividends | $4,200,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,247,000 | 1,211 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,413,000 | 1,620 |
| Total interest expense | $8,091,000 | 1,913 |
| Net interest income | $12,322,000 | 1,403 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $3,059,000 | 1,274 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,374,000 | 927 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,685,000 | 1,233 |
| Total noninterest expense | $8,710,000 | 1,509 |
| Salaries and employee benefits | $2,915,000 | 2,268 |
| Premises and equipment expense | $1,435,000 | 1,368 |
| Additional noninterest expense | $4,360,000 | 1,068 |
| Pre-tax net operating income | $6,371,000 | 1,230 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,096,000 | 1,266 |
| Income before extraordinary items | $4,275,000 | 1,276 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,275,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,200 |
| Cash dividends | $3,800,000 | 783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,275,000 | 1,244 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,864,000 | 1,790 |
| Total interest expense | $7,396,000 | 2,121 |
| Net interest income | $11,468,000 | 1,547 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $2,942,000 | 1,377 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,422,000 | 929 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,520,000 | 1,378 |
| Total noninterest expense | $8,458,000 | 1,681 |
| Salaries and employee benefits | $2,850,000 | 2,338 |
| Premises and equipment expense | $1,507,000 | 1,356 |
| Additional noninterest expense | $4,101,000 | 1,331 |
| Pre-tax net operating income | $5,772,000 | 1,247 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,919,000 | 1,287 |
| Income before extraordinary items | $3,853,000 | 1,291 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,853,000 | 1,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,379 |
| Cash dividends | $3,400,000 | 868 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,853,000 | 1,262 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,824,000 | 1,904 |
| Total interest expense | $6,855,000 | 2,276 |
| Net interest income | $10,969,000 | 1,636 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $2,528,000 | 1,532 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,413,000 | 946 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,115,000 | 1,672 |
| Total noninterest expense | $8,205,000 | 1,712 |
| Salaries and employee benefits | $2,863,000 | 2,315 |
| Premises and equipment expense | $1,414,000 | 1,451 |
| Additional noninterest expense | $3,928,000 | 1,354 |
| Pre-tax net operating income | $5,112,000 | 1,479 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,654,000 | 1,510 |
| Income before extraordinary items | $3,458,000 | 1,480 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,458,000 | 1,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,807 |
| Cash dividends | $2,250,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,458,000 | 1,469 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,816,000 | 2,083 |
| Total interest expense | $4,773,000 | 2,570 |
| Net interest income | $10,043,000 | 1,799 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $2,476,000 | 1,575 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,489,000 | 872 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $987,000 | 1,851 |
| Total noninterest expense | $8,148,000 | 1,787 |
| Salaries and employee benefits | $2,547,000 | 2,611 |
| Premises and equipment expense | $1,438,000 | 1,456 |
| Additional noninterest expense | $4,163,000 | 1,371 |
| Pre-tax net operating income | $4,251,000 | 1,686 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,160,000 | 1,947 |
| Income before extraordinary items | $3,091,000 | 1,581 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,091,000 | 1,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,326 |
| Cash dividends | $2,050,000 | 1,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,091,000 | 1,593 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,739,000 | 3,524 |
| Total interest expense | $2,984,000 | 4,131 |
| Net interest income | $5,755,000 | 3,148 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $872,000 | 3,726 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $501,000 | 2,795 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $371,000 | 3,943 |
| Total noninterest expense | $3,525,000 | 3,884 |
| Salaries and employee benefits | $1,159,000 | 5,392 |
| Premises and equipment expense | $477,000 | 4,047 |
| Additional noninterest expense | $1,889,000 | 2,861 |
| Pre-tax net operating income | $3,012,000 | 2,276 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $942,000 | 2,411 |
| Income before extraordinary items | $2,070,000 | 2,424 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,070,000 | 2,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $1,880,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,070,000 | 2,270 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,223,000 | 3,774 |
| Total interest expense | $3,908,000 | 4,162 |
| Net interest income | $5,315,000 | 3,431 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $834,000 | 3,858 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $517,000 | 2,675 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $317,000 | 4,275 |
| Total noninterest expense | $3,364,000 | 4,075 |
| Salaries and employee benefits | $1,256,000 | 4,959 |
| Premises and equipment expense | $441,000 | 4,425 |
| Additional noninterest expense | $1,667,000 | 3,279 |
| Pre-tax net operating income | $2,695,000 | 2,292 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $804,000 | 2,609 |
| Income before extraordinary items | $1,891,000 | 2,422 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,891,000 | 2,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 6,447 |
| Cash dividends | $1,591,000 | 1,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,891,000 | 2,244 |
* 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.