Home > State First National Bank > Income and Expense
State First National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,130,000 | 2,502 |
| Total interest expense | $5,895,000 | 2,527 |
| Net interest income | $7,235,000 | 2,407 |
| Provision for loan and lease losses | $665,000 | 1,378 |
| Total noninterest income | $1,471,000 | 2,232 |
| Gross Fiduciary activities income | $20,000 | 1,279 |
| Service charges on deposit accounts | $1,168,000 | 1,077 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $283,000 | 4,064 |
| Total noninterest expense | $4,908,000 | 2,613 |
| Salaries and employee benefits | $1,964,000 | 3,361 |
| Premises and equipment expense | $871,000 | 2,259 |
| Additional noninterest expense | $2,073,000 | 2,021 |
| Pre-tax net operating income | $3,133,000 | 2,389 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,008,000 | 2,423 |
| Income before extraordinary items | $2,125,000 | 2,443 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,125,000 | 2,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,322 |
| Cash dividends | $3,150,000 | 897 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,125,000 | 2,385 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,693,000 | 2,635 |
| Total interest expense | $5,663,000 | 2,682 |
| Net interest income | $7,030,000 | 2,523 |
| Provision for loan and lease losses | $239,000 | 3,063 |
| Total noninterest income | $1,366,000 | 2,456 |
| Gross Fiduciary activities income | $11,000 | 1,397 |
| Service charges on deposit accounts | $1,128,000 | 1,177 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $227,000 | 4,833 |
| Total noninterest expense | $4,992,000 | 2,747 |
| Salaries and employee benefits | $2,010,000 | 3,322 |
| Premises and equipment expense | $874,000 | 2,265 |
| Additional noninterest expense | $2,108,000 | 2,342 |
| Pre-tax net operating income | $3,165,000 | 2,256 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,023,000 | 2,310 |
| Income before extraordinary items | $2,142,000 | 2,295 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,142,000 | 2,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 2,351 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,142,000 | 2,246 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,727,000 | 2,633 |
| Total interest expense | $5,918,000 | 2,591 |
| Net interest income | $6,809,000 | 2,625 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $1,301,000 | 2,542 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,108,000 | 1,205 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $193,000 | 5,232 |
| Total noninterest expense | $4,837,000 | 2,800 |
| Salaries and employee benefits | $1,865,000 | 3,534 |
| Premises and equipment expense | $833,000 | 2,398 |
| Additional noninterest expense | $2,139,000 | 2,277 |
| Pre-tax net operating income | $3,173,000 | 2,322 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,036,000 | 2,304 |
| Income before extraordinary items | $2,137,000 | 2,362 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,137,000 | 2,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $800,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,137,000 | 2,334 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,679,000 | 3,879 |
| Total interest expense | $3,151,000 | 3,784 |
| Net interest income | $4,528,000 | 3,907 |
| Provision for loan and lease losses | $-108,000 | 12,194 |
| Total noninterest income | $864,000 | 3,470 |
| Gross Fiduciary activities income | $4,000 | 1,536 |
| Service charges on deposit accounts | $669,000 | 2,022 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $191,000 | 5,424 |
| Total noninterest expense | $2,980,000 | 4,440 |
| Salaries and employee benefits | $1,564,000 | 4,137 |
| Premises and equipment expense | $405,000 | 4,542 |
| Additional noninterest expense | $1,011,000 | 4,669 |
| Pre-tax net operating income | $2,520,000 | 2,809 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $790,000 | 2,800 |
| Income before extraordinary items | $1,730,000 | 2,809 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,730,000 | 2,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 11,809 |
| Cash dividends | $3,100,000 | 785 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,730,000 | 2,816 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,496,000 | 4,046 |
| Total interest expense | $3,176,000 | 3,924 |
| Net interest income | $4,320,000 | 4,105 |
| Provision for loan and lease losses | $370,000 | 2,586 |
| Total noninterest income | $912,000 | 3,593 |
| Gross Fiduciary activities income | $3,000 | 1,578 |
| Service charges on deposit accounts | $677,000 | 2,021 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $232,000 | 5,222 |
| Total noninterest expense | $3,016,000 | 4,487 |
| Salaries and employee benefits | $1,575,000 | 4,094 |
| Premises and equipment expense | $410,000 | 4,612 |
| Additional noninterest expense | $1,031,000 | 4,784 |
| Pre-tax net operating income | $1,846,000 | 3,588 |
| Securities gains (losses) | $44,000 | 3,595 |
| Applicable income taxes | $489,000 | 4,269 |
| Income before extraordinary items | $1,401,000 | 3,445 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,401,000 | 3,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 5,035 |
| Cash dividends | $700,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,368,440 | 3,331 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,495,000 | 4,552 |
| Total interest expense | $3,538,000 | 4,510 |
| Net interest income | $3,957,000 | 4,491 |
| Provision for loan and lease losses | $467,000 | 3,154 |
| Total noninterest income | $799,000 | 3,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $602,000 | 2,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,724 |
| Total noninterest expense | $2,754,000 | 4,891 |
| Salaries and employee benefits | $1,398,000 | 4,508 |
| Premises and equipment expense | $425,000 | 4,572 |
| Additional noninterest expense | $931,000 | 5,370 |
| Pre-tax net operating income | $1,535,000 | 3,967 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $321,000 | 5,677 |
| Income before extraordinary items | $1,217,000 | 3,755 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,217,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 5,695 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,214,630 | 3,486 |
* 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.