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Sterling Savings Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$952,0009,892
Total interest expense$421,0009,862
Net interest income$531,0009,862
Provision for loan and lease losses$2,0008,582
Total noninterest income$60,0009,681
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$27,0008,571
Trading account gains and feesNANA
Additional Noninterest Income$33,0008,867
Total noninterest expense$745,0008,957
Salaries and employee benefits$343,0009,339
Premises and equipment expense$119,0008,292
Additional noninterest expense$283,0008,278
Pre-tax net operating income$-154,0009,961
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-154,00010,006
Extraordinary gains, net$032
Net income$-154,00010,002
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,842
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-154,0009,972
1997-12-31 (YTD Data)Rank
Total interest income$844,00010,446
Total interest expense$392,00010,348
Net interest income$449,00010,482
Provision for loan and lease losses$08,829
Total noninterest income$45,00010,368
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$19,0009,149
Trading account gains and feesNANA
Additional Noninterest Income$26,0009,525
Total noninterest expense$511,00010,087
Salaries and employee benefits$167,00010,667
Premises and equipment expense$120,0008,493
Additional noninterest expense$224,0009,130
Pre-tax net operating income$-17,00010,409
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-17,00010,426
Extraordinary gains, net$044
Net income$-17,00010,429
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-17,00010,393
1996-12-31 (YTD Data)Rank
Total interest income$849,00010,978
Total interest expense$426,00010,809
Net interest income$423,00011,054
Provision for loan and lease losses$09,041
Total noninterest income$48,00010,886
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$24,0009,499
Trading account gains and feesNANA
Additional Noninterest Income$24,00010,174
Total noninterest expense$546,00010,407
Salaries and employee benefits$177,00011,132
Premises and equipment expense$110,0009,028
Additional noninterest expense$259,0009,300
Pre-tax net operating income$-75,00010,924
Securities gains (losses)$04,148
Applicable income taxes$010,572
Income before extraordinary items$-75,00010,963
Extraordinary gains, net$053
Net income$-75,00010,961
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-75,00010,915
1995-12-31 (YTD Data)Rank
Total interest income$968,00011,336
Total interest expense$405,00011,310
Net interest income$563,00011,231
Provision for loan and lease losses$12,0008,132
Total noninterest income$40,00011,511
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$16,00010,084
Trading account gains and feesNANA
Additional Noninterest Income$24,00010,650
Total noninterest expense$564,00010,737
Salaries and employee benefits$183,00011,579
Premises and equipment expense$115,0009,181
Additional noninterest expense$266,0009,649
Pre-tax net operating income$27,00011,397
Securities gains (losses)$4,0002,936
Applicable income taxes$011,151
Income before extraordinary items$31,00011,383
Extraordinary gains, net$065
Net income$31,00011,380
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,482
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$27,00011,368
1994-12-31 (YTD Data)Rank
Total interest income$973,00011,756
Total interest expense$391,00011,629
Net interest income$582,00011,767
Provision for loan and lease losses$12,0008,270
Total noninterest income$11,00012,464
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$2,00010,827
Trading account gains and feesNANA
Additional Noninterest Income$9,00012,149
Total noninterest expense$513,00011,545
Salaries and employee benefits$168,00012,267
Premises and equipment expense$116,0009,514
Additional noninterest expense$229,00010,782
Pre-tax net operating income$68,00011,814
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$68,00011,671
Extraordinary gains, net$0249
Net income$68,00011,677
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0007,826
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$68,00011,707
1993-12-31 (YTD Data)Rank
Total interest income$1,085,00012,109
Total interest expense$477,00011,793
Net interest income$608,00012,194
Provision for loan and lease losses$010,371
Total noninterest income$17,00013,097
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$6,00011,259
Trading account gains and feesNANA
Additional Noninterest Income$11,00012,687
Total noninterest expense$609,00011,600
Salaries and employee benefits$232,00012,358
Premises and equipment expense$112,00010,057
Additional noninterest expense$265,00010,891
Pre-tax net operating income$16,00012,322
Securities gains (losses)$07,477
Applicable income taxes$3,00012,012
Income before extraordinary items$13,00012,456
Extraordinary gains, net$3,0003,100
Net income$16,00012,465
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$257,000732
Net operating income$13,00012,324
1992-12-31 (YTD Data)Rank
Total interest income$1,582,00011,769
Total interest expense$938,00010,675
Net interest income$644,00012,550
Provision for loan and lease losses$011,756
Total noninterest income$16,00013,736
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,764
Trading account gains and feesNANA
Additional Noninterest Income$16,00012,899
Total noninterest expense$538,00012,409
Salaries and employee benefits$206,00013,088
Premises and equipment expense$103,00010,619
Additional noninterest expense$229,00011,831
Pre-tax net operating income$122,00011,786
Securities gains (losses)$388,0001,312
Applicable income taxes$171,0008,144
Income before extraordinary items$339,0008,834
Extraordinary gains, net$169,000506
Net income$508,0007,342
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$82,92011,880

* 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.