Home > Steel Valley Bank > Income and Expense

Steel Valley Bank, Income and Expense

2004-12-31 (YTD Data)Rank
Total interest income$2,886,0006,544
Total interest expense$965,0005,774
Net interest income$1,921,0006,737
Provision for loan and lease losses$309,0002,855
Total noninterest income$422,0005,677
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$228,0004,935
Trading account gains and fees$0138
Additional Noninterest Income$194,0005,170
Total noninterest expense$2,781,0004,921
Salaries and employee benefits$1,048,0006,127
Premises and equipment expense$240,0006,303
Additional noninterest expense$1,493,0003,132
Pre-tax net operating income$-747,0008,740
Securities gains (losses)$03,819
Applicable income taxes$07,185
Income before extraordinary items$-747,0008,781
Extraordinary gains, net$034
Net income$-747,0008,782
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$155,0002,991
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$-747,0008,759
2004-09-30 (YTD Data)Rank
Total interest income$2,213,0006,482
Total interest expense$745,0005,649
Net interest income$1,468,0006,691
Provision for loan and lease losses$74,0004,848
Total noninterest income$347,0005,497
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$171,0004,982
Trading account gains and fees$0134
Additional Noninterest Income$176,0004,774
Total noninterest expense$1,859,0005,296
Salaries and employee benefits$650,0006,690
Premises and equipment expense$173,0006,379
Additional noninterest expense$1,036,0003,321
Pre-tax net operating income$-118,0008,609
Securities gains (losses)$03,710
Applicable income taxes$07,220
Income before extraordinary items$-118,0008,639
Extraordinary gains, net$026
Net income$-118,0008,641
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$139,0002,368
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$-118,0008,607
2004-06-30 (YTD Data)Rank
Total interest income$1,500,0006,462
Total interest expense$516,0005,561
Net interest income$984,0006,700
Provision for loan and lease losses$74,0004,051
Total noninterest income$234,0005,453
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$111,0005,035
Trading account gains and fees$0130
Additional Noninterest Income$123,0004,730
Total noninterest expense$1,238,0005,324
Salaries and employee benefits$445,0006,645
Premises and equipment expense$115,0006,434
Additional noninterest expense$678,0003,385
Pre-tax net operating income$-94,0008,686
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$-94,0008,716
Extraordinary gains, net$021
Net income$-94,0008,718
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$105,0002,094
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-94,0008,688
2004-03-31 (YTD Data)Rank
Total interest income$763,0006,430
Total interest expense$260,0005,608
Net interest income$503,0006,664
Provision for loan and lease losses$74,0002,718
Total noninterest income$105,0005,670
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$55,0004,979
Trading account gains and fees$0121
Additional Noninterest Income$50,0005,122
Total noninterest expense$634,0005,259
Salaries and employee benefits$234,0006,545
Premises and equipment expense$64,0006,144
Additional noninterest expense$336,0003,408
Pre-tax net operating income$-100,0008,799
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$-100,0008,837
Extraordinary gains, net$016
Net income$-100,0008,838
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$100,0001,316
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-100,0008,805
2003-12-31 (YTD Data)Rank
Total interest income$3,405,0006,124
Total interest expense$1,150,0005,709
Net interest income$2,255,0006,250
Provision for loan and lease losses$877,0001,353
Total noninterest income$743,0004,397
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$250,0004,758
Trading account gains and fees$0160
Additional Noninterest Income$493,0003,604
Total noninterest expense$2,600,0005,081
Salaries and employee benefits$1,083,0005,986
Premises and equipment expense$270,0005,966
Additional noninterest expense$1,247,0003,621
Pre-tax net operating income$-479,0008,813
Securities gains (losses)$04,500
Applicable income taxes$-173,0008,999
Income before extraordinary items$-306,0008,822
Extraordinary gains, net$054
Net income$-306,0008,824
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$805,0001,087
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$167,000630
Net operating income$-306,0008,758
2003-09-30 (YTD Data)Rank
Total interest income$2,608,0006,142
Total interest expense$892,0005,745
Net interest income$1,716,0006,223
Provision for loan and lease losses$741,0001,159
Total noninterest income$642,0004,122
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$193,0004,706
Trading account gains and fees$0153
Additional Noninterest Income$449,0003,334
Total noninterest expense$1,982,0005,013
Salaries and employee benefits$812,0005,965
Premises and equipment expense$214,0005,799
Additional noninterest expense$956,0003,530
Pre-tax net operating income$-365,0008,904
Securities gains (losses)$04,204
Applicable income taxes$-131,0009,088
Income before extraordinary items$-234,0008,921
Extraordinary gains, net$040
Net income$-234,0008,922
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$664,000940
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$166,000471
Net operating income$-234,0008,856
2003-06-30 (YTD Data)Rank
Total interest income$1,779,0006,105
Total interest expense$609,0005,789
Net interest income$1,170,0006,139
Provision for loan and lease losses$635,000944
Total noninterest income$406,0004,210
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$133,0004,584
Trading account gains and fees$0150
Additional Noninterest Income$273,0003,470
Total noninterest expense$1,309,0005,036
Salaries and employee benefits$536,0006,000
Premises and equipment expense$155,0005,554
Additional noninterest expense$618,0003,627
Pre-tax net operating income$-368,0009,018
Securities gains (losses)$03,782
Applicable income taxes$-127,0009,156
Income before extraordinary items$-241,0009,035
Extraordinary gains, net$030
Net income$-241,0009,034
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$545,000807
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$166,000354
Net operating income$-241,0008,966
2003-03-31 (YTD Data)Rank
Total interest income$909,0006,066
Total interest expense$311,0005,833
Net interest income$598,0006,070
Provision for loan and lease losses$435,000683
Total noninterest income$132,0005,205
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$71,0004,347
Trading account gains and fees$0134
Additional Noninterest Income$61,0004,883
Total noninterest expense$656,0005,032
Salaries and employee benefits$268,0006,005
Premises and equipment expense$79,0005,487
Additional noninterest expense$309,0003,577
Pre-tax net operating income$-361,0009,170
Securities gains (losses)$02,891
Applicable income taxes$-125,0009,234
Income before extraordinary items$-236,0009,157
Extraordinary gains, net$021
Net income$-236,0009,154
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$485,000508
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$166,000200
Net operating income$-236,0009,102
2002-12-31 (YTD Data)Rank
Total interest income$4,244,0005,723
Total interest expense$1,552,0005,621
Net interest income$2,692,0005,665
Provision for loan and lease losses$736,0001,753
Total noninterest income$502,0005,202
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$277,0004,422
Trading account gains and fees$0153
Additional Noninterest Income$225,0004,791
Total noninterest expense$2,275,0005,421
Salaries and employee benefits$966,0006,264
Premises and equipment expense$300,0005,581
Additional noninterest expense$1,009,0004,146
Pre-tax net operating income$183,0007,992
Securities gains (losses)$56,0002,303
Applicable income taxes$74,0006,227
Income before extraordinary items$165,0008,013
Extraordinary gains, net$070
Net income$165,0008,014
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$752,0001,217
Cash dividends$98,0005,627
Sale, conversion, retirement of capital stock, net$614,000445
Net operating income$126,3608,107
2001-12-31 (YTD Data)Rank
Total interest income$5,142,0005,524
Total interest expense$2,256,0005,740
Net interest income$2,886,0005,211
Provision for loan and lease losses$980,0001,271
Total noninterest income$650,0004,382
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$293,0004,212
Trading account gains and fees$0177
Additional Noninterest Income$357,0003,766
Total noninterest expense$2,541,0004,903
Salaries and employee benefits$1,273,0005,108
Premises and equipment expense$384,0004,725
Additional noninterest expense$884,0004,464
Pre-tax net operating income$15,0008,669
Securities gains (losses)$1,0004,410
Applicable income taxes$3,0007,803
Income before extraordinary items$13,0008,763
Extraordinary gains, net$0105
Net income$13,0008,762
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$720,0001,193
Cash dividends$78,0005,919
Sale, conversion, retirement of capital stock, net$0922
Net operating income$12,1908,680
2000-12-31 (YTD Data)Rank
Total interest income$5,070,0005,680
Total interest expense$2,019,0006,243
Net interest income$3,051,0005,095
Provision for loan and lease losses$430,0002,132
Total noninterest income$675,0004,099
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$320,0003,866
Trading account gains and feesNANA
Additional Noninterest Income$355,0003,598
Total noninterest expense$2,620,0004,699
Salaries and employee benefits$1,294,0004,916
Premises and equipment expense$307,0005,354
Additional noninterest expense$1,019,0003,934
Pre-tax net operating income$676,0006,328
Securities gains (losses)$01,956
Applicable income taxes$224,0005,182
Income before extraordinary items$452,0006,580
Extraordinary gains, net$038
Net income$452,0006,578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$377,0001,545
Cash dividends$38,0006,524
Sale, conversion, retirement of capital stock, net$789,000489
Net operating income$452,0006,600
1999-12-31 (YTD Data)Rank
Total interest income$4,990,0005,588
Total interest expense$1,982,0006,036
Net interest income$3,008,0005,151
Provision for loan and lease losses$418,0002,043
Total noninterest income$972,0003,155
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$257,0004,444
Trading account gains and feesNANA
Additional Noninterest Income$715,0002,339
Total noninterest expense$2,615,0004,712
Salaries and employee benefits$1,202,0005,157
Premises and equipment expense$286,0005,610
Additional noninterest expense$1,127,0003,644
Pre-tax net operating income$947,0005,462
Securities gains (losses)$-2,0008,771
Applicable income taxes$315,0004,704
Income before extraordinary items$630,0005,757
Extraordinary gains, net$035
Net income$630,0005,755
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$371,0001,546
Cash dividends$21,0006,921
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$631,3405,721
1998-12-31 (YTD Data)Rank
Total interest income$4,853,0005,796
Total interest expense$2,189,0005,856
Net interest income$2,664,0005,594
Provision for loan and lease losses$345,0002,334
Total noninterest income$943,0003,221
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$173,0005,536
Trading account gains and feesNANA
Additional Noninterest Income$770,0002,231
Total noninterest expense$2,458,0004,828
Salaries and employee benefits$1,037,0005,632
Premises and equipment expense$277,0005,619
Additional noninterest expense$1,144,0003,505
Pre-tax net operating income$804,0006,083
Securities gains (losses)$-8,00010,162
Applicable income taxes$271,0005,443
Income before extraordinary items$525,0006,454
Extraordinary gains, net$032
Net income$525,0006,453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$183,0002,595
Cash dividends$24,0007,221
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$530,2806,321
1997-12-31 (YTD Data)Rank
Total interest income$4,254,0006,427
Total interest expense$1,787,0006,714
Net interest income$2,467,0006,106
Provision for loan and lease losses$280,0002,757
Total noninterest income$528,0004,820
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$181,0005,643
Trading account gains and feesNANA
Additional Noninterest Income$347,0003,600
Total noninterest expense$1,994,0005,671
Salaries and employee benefits$897,0006,306
Premises and equipment expense$194,0006,955
Additional noninterest expense$903,0004,296
Pre-tax net operating income$721,0006,894
Securities gains (losses)$2,0003,292
Applicable income taxes$247,0006,290
Income before extraordinary items$476,0007,124
Extraordinary gains, net$044
Net income$476,0007,126
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$264,0002,137
Cash dividends$23,0007,575
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$474,6807,090
1996-12-31 (YTD Data)Rank
Total interest income$3,616,0007,255
Total interest expense$1,418,0007,792
Net interest income$2,198,0006,772
Provision for loan and lease losses$370,0002,206
Total noninterest income$353,0006,405
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$136,0006,733
Trading account gains and feesNANA
Additional Noninterest Income$217,0004,953
Total noninterest expense$1,987,0005,968
Salaries and employee benefits$937,0006,279
Premises and equipment expense$213,0006,804
Additional noninterest expense$837,0005,027
Pre-tax net operating income$194,0009,824
Securities gains (losses)$04,148
Applicable income taxes$010,572
Income before extraordinary items$194,0009,353
Extraordinary gains, net$-3,00011,416
Net income$191,0009,390
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$295,0002,106
Cash dividends$23,0008,012
Sale, conversion, retirement of capital stock, net$250,000551
Net operating income$194,0009,292
1995-12-31 (YTD Data)Rank
Total interest income$3,067,0008,105
Total interest expense$1,221,0008,523
Net interest income$1,846,0007,653
Provision for loan and lease losses$94,0004,768
Total noninterest income$149,0009,336
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$72,0008,553
Trading account gains and feesNANA
Additional Noninterest Income$77,0008,059
Total noninterest expense$1,656,0006,832
Salaries and employee benefits$838,0006,903
Premises and equipment expense$159,0008,051
Additional noninterest expense$659,0006,134
Pre-tax net operating income$245,00010,156
Securities gains (losses)$18,0001,987
Applicable income taxes$011,151
Income before extraordinary items$263,0009,295
Extraordinary gains, net$065
Net income$263,0009,300
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$104,0003,672
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$84,000596
Net operating income$245,0009,441
1994-12-31 (YTD Data)Rank
Total interest income$2,446,0009,002
Total interest expense$881,0009,215
Net interest income$1,565,0008,681
Provision for loan and lease losses$113,0004,290
Total noninterest income$122,00010,249
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$59,0009,379
Trading account gains and feesNANA
Additional Noninterest Income$63,0008,968
Total noninterest expense$1,383,0007,963
Salaries and employee benefits$736,0007,625
Premises and equipment expense$134,0008,981
Additional noninterest expense$513,0007,729
Pre-tax net operating income$191,00010,963
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$191,00010,382
Extraordinary gains, net$0249
Net income$191,00010,386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0003,602
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$274,000642
Net operating income$191,00010,434
1993-12-31 (YTD Data)Rank
Total interest income$1,760,00010,678
Total interest expense$696,00010,610
Net interest income$1,064,00010,553
Provision for loan and lease losses$66,0006,760
Total noninterest income$147,00010,263
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$51,00010,018
Trading account gains and feesNANA
Additional Noninterest Income$96,0008,002
Total noninterest expense$1,127,0009,214
Salaries and employee benefits$559,0009,133
Premises and equipment expense$160,0008,641
Additional noninterest expense$408,0009,179
Pre-tax net operating income$18,00012,313
Securities gains (losses)$-6,00012,616
Applicable income taxes$012,141
Income before extraordinary items$12,00012,466
Extraordinary gains, net$03,149
Net income$12,00012,487
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0007,365
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$320,000691
Net operating income$18,00012,302
1992-12-31 (YTD Data)Rank
Total interest income$1,580,00011,777
Total interest expense$912,00010,811
Net interest income$668,00012,447
Provision for loan and lease losses$011,756
Total noninterest income$85,00012,134
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$28,00011,127
Trading account gains and feesNANA
Additional Noninterest Income$57,0009,979
Total noninterest expense$1,042,0009,790
Salaries and employee benefits$437,00010,435
Premises and equipment expense$144,0009,299
Additional noninterest expense$461,0008,858
Pre-tax net operating income$-289,00013,162
Securities gains (losses)$72,0003,538
Applicable income taxes$012,680
Income before extraordinary items$-217,00013,202
Extraordinary gains, net$01,422
Net income$-217,00013,195
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0005,871
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$899,000440
Net operating income$-289,00013,140

* 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.