Home > Superior Bank, FSB > Income and Expense
Superior Bank, FSB, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $66,706,000 | 358 |
| Total interest expense | $27,120,000 | 294 |
| Net interest income | $39,586,000 | 411 |
| Provision for loan and lease losses | $5,450,000 | 260 |
| Total noninterest income | $27,160,000 | 277 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,160,000 | 226 |
| Total noninterest expense | $53,412,000 | 288 |
| Salaries and employee benefits | $24,685,000 | 288 |
| Premises and equipment expense | $12,181,000 | 180 |
| Additional noninterest expense | $16,546,000 | 321 |
| Pre-tax net operating income | $7,884,000 | 849 |
| Securities gains (losses) | $5,120,000 | 159 |
| Applicable income taxes | $4,004,000 | 611 |
| Income before extraordinary items | $9,000,000 | 590 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,000,000 | 589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,357,000 | 300 |
| Cash dividends | $13,500,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,467,200 | 856 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $46,344,000 | 351 |
| Total interest expense | $18,559,000 | 294 |
| Net interest income | $27,785,000 | 394 |
| Provision for loan and lease losses | $2,050,000 | 386 |
| Total noninterest income | $18,102,000 | 276 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $18,102,000 | 223 |
| Total noninterest expense | $32,783,000 | 311 |
| Salaries and employee benefits | $16,448,000 | 288 |
| Premises and equipment expense | $7,855,000 | 184 |
| Additional noninterest expense | $8,480,000 | 387 |
| Pre-tax net operating income | $11,054,000 | 449 |
| Securities gains (losses) | $2,804,000 | 185 |
| Applicable income taxes | $4,587,000 | 412 |
| Income before extraordinary items | $9,271,000 | 418 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $9,271,000 | 419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,204,000 | 308 |
| Cash dividends | $9,000,000 | 228 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $7,392,320 | 472 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $23,730,000 | 352 |
| Total interest expense | $9,422,000 | 302 |
| Net interest income | $14,308,000 | 389 |
| Provision for loan and lease losses | $1,050,000 | 364 |
| Total noninterest income | $9,274,000 | 273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,274,000 | 222 |
| Total noninterest expense | $15,789,000 | 319 |
| Salaries and employee benefits | $8,146,000 | 299 |
| Premises and equipment expense | $4,004,000 | 184 |
| Additional noninterest expense | $3,639,000 | 425 |
| Pre-tax net operating income | $6,743,000 | 384 |
| Securities gains (losses) | $1,172,000 | 194 |
| Applicable income taxes | $2,713,000 | 373 |
| Income before extraordinary items | $5,202,000 | 374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,202,000 | 374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,283,000 | 276 |
| Cash dividends | $4,500,000 | 205 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,428,480 | 396 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $100,787,000 | 356 |
| Total interest expense | $42,264,000 | 321 |
| Net interest income | $58,523,000 | 380 |
| Provision for loan and lease losses | $7,396,000 | 296 |
| Total noninterest income | $39,876,000 | 256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,876,000 | 203 |
| Total noninterest expense | $64,426,000 | 305 |
| Salaries and employee benefits | $31,294,000 | 289 |
| Premises and equipment expense | $15,887,000 | 181 |
| Additional noninterest expense | $17,245,000 | 390 |
| Pre-tax net operating income | $26,577,000 | 374 |
| Securities gains (losses) | $4,640,000 | 165 |
| Applicable income taxes | $10,514,000 | 344 |
| Income before extraordinary items | $20,703,000 | 364 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $20,703,000 | 363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,644,000 | 301 |
| Cash dividends | $17,000,000 | 245 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $17,640,600 | 382 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $108,486,000 | 371 |
| Total interest expense | $57,771,000 | 338 |
| Net interest income | $50,715,000 | 399 |
| Provision for loan and lease losses | $4,500,000 | 378 |
| Total noninterest income | $37,654,000 | 261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $37,654,000 | 211 |
| Total noninterest expense | $61,192,000 | 310 |
| Salaries and employee benefits | $29,209,000 | 280 |
| Premises and equipment expense | $15,057,000 | 175 |
| Additional noninterest expense | $16,926,000 | 398 |
| Pre-tax net operating income | $22,677,000 | 384 |
| Securities gains (losses) | $2,949,000 | 190 |
| Applicable income taxes | $8,579,000 | 369 |
| Income before extraordinary items | $17,047,000 | 372 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $17,047,000 | 373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,477,000 | 337 |
| Cash dividends | $14,500,000 | 289 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $15,071,170 | 385 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $107,902,000 | 392 |
| Total interest expense | $63,576,000 | 354 |
| Net interest income | $44,326,000 | 442 |
| Provision for loan and lease losses | $2,300,000 | 555 |
| Total noninterest income | $34,068,000 | 273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $34,068,000 | 210 |
| Total noninterest expense | $51,227,000 | 342 |
| Salaries and employee benefits | $25,335,000 | 301 |
| Premises and equipment expense | $9,617,000 | 265 |
| Additional noninterest expense | $16,275,000 | 413 |
| Pre-tax net operating income | $24,867,000 | 383 |
| Securities gains (losses) | $658,000 | 216 |
| Applicable income taxes | $8,640,000 | 372 |
| Income before extraordinary items | $16,885,000 | 374 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $16,885,000 | 375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,560,000 | 552 |
| Cash dividends | $14,000,000 | 301 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $16,450,720 | 380 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $98,111,000 | 413 |
| Total interest expense | $51,918,000 | 373 |
| Net interest income | $46,193,000 | 446 |
| Provision for loan and lease losses | $2,270,000 | 512 |
| Total noninterest income | $29,404,000 | 313 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $29,404,000 | 240 |
| Total noninterest expense | $48,581,000 | 362 |
| Salaries and employee benefits | $22,280,000 | 352 |
| Premises and equipment expense | $8,083,000 | 305 |
| Additional noninterest expense | $18,218,000 | 385 |
| Pre-tax net operating income | $24,746,000 | 409 |
| Securities gains (losses) | $-106,000 | 9,965 |
| Applicable income taxes | $8,946,000 | 396 |
| Income before extraordinary items | $15,694,000 | 439 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $15,694,000 | 439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,399,000 | 563 |
| Cash dividends | $11,000,000 | 368 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $15,761,840 | 428 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $62,519,000 | 577 |
| Total interest expense | $32,992,000 | 535 |
| Net interest income | $29,527,000 | 608 |
| Provision for loan and lease losses | $1,021,000 | 953 |
| Total noninterest income | $18,960,000 | 394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $18,960,000 | 302 |
| Total noninterest expense | $30,931,000 | 521 |
| Salaries and employee benefits | $14,010,000 | 523 |
| Premises and equipment expense | $6,160,000 | 370 |
| Additional noninterest expense | $10,761,000 | 561 |
| Pre-tax net operating income | $16,535,000 | 510 |
| Securities gains (losses) | $174,000 | 982 |
| Applicable income taxes | $6,536,000 | 467 |
| Income before extraordinary items | $10,173,000 | 586 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $10,173,000 | 585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,049,000 | 728 |
| Cash dividends | $4,000,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $1,848,000 | 400 |
| Net operating income | $10,061,640 | 562 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $83,278,000 | 461 |
| Total interest expense | $45,330,000 | 426 |
| Net interest income | $37,948,000 | 506 |
| Provision for loan and lease losses | $2,155,000 | 550 |
| Total noninterest income | $23,673,000 | 315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $23,673,000 | 242 |
| Total noninterest expense | $39,400,000 | 408 |
| Salaries and employee benefits | $16,675,000 | 418 |
| Premises and equipment expense | $8,873,000 | 267 |
| Additional noninterest expense | $13,852,000 | 443 |
| Pre-tax net operating income | $20,066,000 | 456 |
| Securities gains (losses) | $68,000 | 1,163 |
| Applicable income taxes | $9,213,000 | 382 |
| Income before extraordinary items | $10,921,000 | 546 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $10,921,000 | 546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,552,000 | 430 |
| Cash dividends | $1,581,000 | 1,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $10,877,480 | 530 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $85,096,000 | 483 |
| Total interest expense | $48,741,000 | 434 |
| Net interest income | $36,355,000 | 556 |
| Provision for loan and lease losses | $1,125,000 | 943 |
| Total noninterest income | $23,589,000 | 350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $23,589,000 | 266 |
| Total noninterest expense | $46,321,000 | 409 |
| Salaries and employee benefits | $16,712,000 | 437 |
| Premises and equipment expense | $9,409,000 | 288 |
| Additional noninterest expense | $20,200,000 | 416 |
| Pre-tax net operating income | $12,498,000 | 655 |
| Securities gains (losses) | $61,000 | 1,215 |
| Applicable income taxes | $4,926,000 | 596 |
| Income before extraordinary items | $7,633,000 | 717 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $7,633,000 | 717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $996,000 | 902 |
| Cash dividends | $7,510,000 | 518 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $7,593,960 | 710 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $83,219,000 | 517 |
| Total interest expense | $49,363,000 | 455 |
| Net interest income | $33,856,000 | 602 |
| Provision for loan and lease losses | $1,050,000 | 902 |
| Total noninterest income | $20,179,000 | 395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $20,179,000 | 275 |
| Total noninterest expense | $36,127,000 | 496 |
| Salaries and employee benefits | $15,066,000 | 492 |
| Premises and equipment expense | $8,393,000 | 337 |
| Additional noninterest expense | $12,668,000 | 573 |
| Pre-tax net operating income | $16,858,000 | 537 |
| Securities gains (losses) | $251,000 | 581 |
| Applicable income taxes | $6,712,000 | 501 |
| Income before extraordinary items | $10,397,000 | 579 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $10,397,000 | 579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $806,000 | 1,021 |
| Cash dividends | $2,468,000 | 1,077 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $10,236,360 | 579 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $71,555,000 | 516 |
| Total interest expense | $37,919,000 | 447 |
| Net interest income | $33,636,000 | 613 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $17,670,000 | 405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $17,670,000 | 297 |
| Total noninterest expense | $33,838,000 | 534 |
| Salaries and employee benefits | $14,203,000 | 520 |
| Premises and equipment expense | $8,015,000 | 345 |
| Additional noninterest expense | $11,620,000 | 627 |
| Pre-tax net operating income | $17,168,000 | 510 |
| Securities gains (losses) | $-501,000 | 12,248 |
| Applicable income taxes | $6,538,000 | 467 |
| Income before extraordinary items | $10,129,000 | 546 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $10,129,000 | 546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,383 |
| Cash dividends | $7,200,000 | 442 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $10,449,640 | 543 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $60,481,000 | 592 |
| Total interest expense | $31,876,000 | 507 |
| Net interest income | $28,605,000 | 686 |
| Provision for loan and lease losses | $375,000 | 2,560 |
| Total noninterest income | $12,952,000 | 505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $12,952,000 | 373 |
| Total noninterest expense | $27,093,000 | 666 |
| Salaries and employee benefits | $11,609,000 | 634 |
| Premises and equipment expense | $6,748,000 | 394 |
| Additional noninterest expense | $8,736,000 | 837 |
| Pre-tax net operating income | $14,089,000 | 535 |
| Securities gains (losses) | $358,000 | 1,136 |
| Applicable income taxes | $5,581,000 | 494 |
| Income before extraordinary items | $8,866,000 | 597 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $8,866,000 | 613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,816 |
| Cash dividends | $7,035,000 | 368 |
| Sale, conversion, retirement of capital stock, net | $30,000,000 | 48 |
| Net operating income | $8,636,880 | 563 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $41,550,000 | 911 |
| Total interest expense | $23,683,000 | 794 |
| Net interest income | $17,867,000 | 1,038 |
| Provision for loan and lease losses | $354,000 | 3,754 |
| Total noninterest income | $8,448,000 | 668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $8,448,000 | 481 |
| Total noninterest expense | $15,220,000 | 1,059 |
| Salaries and employee benefits | $6,575,000 | 1,028 |
| Premises and equipment expense | $3,966,000 | 634 |
| Additional noninterest expense | $4,679,000 | 1,409 |
| Pre-tax net operating income | $10,741,000 | 598 |
| Securities gains (losses) | $210,000 | 1,951 |
| Applicable income taxes | $4,283,000 | 552 |
| Income before extraordinary items | $6,668,000 | 713 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $6,668,000 | 710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 3,995 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $35,500,000 | 36 |
| Net operating income | $6,533,600 | 660 |
* 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.