Home > State Financial Bank-Waterford > Income and Expense

State Financial Bank-Waterford, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$3,863,0006,481
Total interest expense$1,748,0006,467
Net interest income$2,115,0006,436
Provision for loan and lease losses$30,0007,215
Total noninterest income$324,0006,228
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$185,0005,332
Trading account gains and feesNANA
Additional Noninterest Income$139,0005,780
Total noninterest expense$1,771,0006,131
Salaries and employee benefits$686,0007,313
Premises and equipment expense$367,0004,808
Additional noninterest expense$718,0005,158
Pre-tax net operating income$638,0006,576
Securities gains (losses)$03,155
Applicable income taxes$184,0005,879
Income before extraordinary items$454,0006,671
Extraordinary gains, net$035
Net income$454,0006,668
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0009,010
Cash dividends$500,0003,483
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$454,0006,650
1998-12-31 (YTD Data)Rank
Total interest income$3,786,0006,674
Total interest expense$1,841,0006,471
Net interest income$1,945,0006,773
Provision for loan and lease losses$30,0007,298
Total noninterest income$295,0006,535
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$157,0005,798
Trading account gains and feesNANA
Additional Noninterest Income$138,0005,890
Total noninterest expense$1,594,0006,440
Salaries and employee benefits$540,0008,117
Premises and equipment expense$328,0005,097
Additional noninterest expense$726,0005,015
Pre-tax net operating income$616,0006,830
Securities gains (losses)$04,449
Applicable income taxes$198,0006,217
Income before extraordinary items$418,0007,102
Extraordinary gains, net$032
Net income$418,0007,100
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,0009,867
Cash dividends$375,0004,132
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$418,0007,011
1997-12-31 (YTD Data)Rank
Total interest income$3,282,0007,412
Total interest expense$1,484,0007,388
Net interest income$1,798,0007,326
Provision for loan and lease losses$30,0007,369
Total noninterest income$253,0007,186
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0006,965
Trading account gains and feesNANA
Additional Noninterest Income$142,0005,840
Total noninterest expense$1,455,0006,907
Salaries and employee benefits$479,0008,757
Premises and equipment expense$287,0005,575
Additional noninterest expense$689,0005,283
Pre-tax net operating income$566,0007,576
Securities gains (losses)$03,944
Applicable income taxes$186,0007,090
Income before extraordinary items$380,0007,778
Extraordinary gains, net$044
Net income$380,0007,781
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0004,868
Cash dividends$425,0003,823
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$380,0007,725
1996-12-31 (YTD Data)Rank
Total interest income$2,871,0008,179
Total interest expense$1,286,0008,141
Net interest income$1,585,0008,066
Provision for loan and lease losses$30,0007,397
Total noninterest income$141,0009,154
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$69,0008,297
Trading account gains and feesNANA
Additional Noninterest Income$72,0008,006
Total noninterest expense$1,059,0008,472
Salaries and employee benefits$362,0009,875
Premises and equipment expense$195,0007,111
Additional noninterest expense$502,0007,041
Pre-tax net operating income$637,0007,248
Securities gains (losses)$04,148
Applicable income taxes$208,0007,014
Income before extraordinary items$429,0007,386
Extraordinary gains, net$053
Net income$429,0007,386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$180,0002,848
Cash dividends$2,000,0001,264
Sale, conversion, retirement of capital stock, net$0953
Net operating income$429,0007,334
1995-12-31 (YTD Data)Rank
Total interest income$975,00011,323
Total interest expense$461,00011,157
Net interest income$514,00011,371
Provision for loan and lease losses$10,0008,319
Total noninterest income$30,00011,660
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,0009,816
Trading account gains and feesNANA
Additional Noninterest Income$1,00011,898
Total noninterest expense$423,00011,352
Salaries and employee benefits$127,00011,807
Premises and equipment expense$126,0008,898
Additional noninterest expense$170,00010,813
Pre-tax net operating income$111,00011,021
Securities gains (losses)$03,831
Applicable income taxes$36,00010,464
Income before extraordinary items$75,00011,140
Extraordinary gains, net$065
Net income$75,00011,137
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0006,055
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$75,00011,116
1994-12-31 (YTD Data)Rank
Total interest income$2,867,0008,295
Total interest expense$1,120,0008,215
Net interest income$1,747,0008,181
Provision for loan and lease losses$492,0001,564
Total noninterest income$126,00010,184
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$74,0008,860
Trading account gains and feesNANA
Additional Noninterest Income$52,0009,512
Total noninterest expense$1,277,0008,330
Salaries and employee benefits$648,0008,284
Premises and equipment expense$187,0007,705
Additional noninterest expense$442,0008,396
Pre-tax net operating income$108,00011,576
Securities gains (losses)$1,0003,293
Applicable income taxes$-12,00012,092
Income before extraordinary items$121,00011,144
Extraordinary gains, net$0249
Net income$121,00011,150
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$123,0003,341
Cash dividends$158,0005,975
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$120,00011,206
1993-12-31 (YTD Data)Rank
Total interest income$2,897,0008,502
Total interest expense$1,265,0008,016
Net interest income$1,632,0008,705
Provision for loan and lease losses$209,0003,826
Total noninterest income$164,0009,940
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$108,0008,152
Trading account gains and feesNANA
Additional Noninterest Income$56,0009,758
Total noninterest expense$1,173,0008,998
Salaries and employee benefits$630,0008,551
Premises and equipment expense$170,0008,376
Additional noninterest expense$373,0009,561
Pre-tax net operating income$414,0009,300
Securities gains (losses)$07,477
Applicable income taxes$68,00010,531
Income before extraordinary items$346,0008,974
Extraordinary gains, net$-54,00012,749
Net income$292,0009,728
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,0004,285
Cash dividends$140,0006,241
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$346,0008,718
1992-12-31 (YTD Data)Rank
Total interest income$3,024,0008,932
Total interest expense$1,391,0008,885
Net interest income$1,633,0008,869
Provision for loan and lease losses$101,0007,218
Total noninterest income$119,00011,221
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$87,0008,930
Trading account gains and feesNANA
Additional Noninterest Income$32,00011,632
Total noninterest expense$1,129,0009,363
Salaries and employee benefits$540,0009,368
Premises and equipment expense$177,0008,387
Additional noninterest expense$412,0009,419
Pre-tax net operating income$522,0008,247
Securities gains (losses)$2,0007,695
Applicable income taxes$130,0009,108
Income before extraordinary items$394,0008,284
Extraordinary gains, net$01,422
Net income$394,0008,409
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,0006,676
Cash dividends$138,0005,954
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$392,5007,937

* 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.