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The Sabina Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$4,299,0006,252
Total interest expense$1,917,0006,389
Net interest income$2,382,0005,986
Provision for loan and lease losses$80,0005,752
Total noninterest income$309,0006,225
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$229,0004,760
Trading account gains and feesNANA
Additional Noninterest Income$80,0006,911
Total noninterest expense$2,090,0005,521
Salaries and employee benefits$958,0006,095
Premises and equipment expense$276,0005,691
Additional noninterest expense$856,0004,514
Pre-tax net operating income$521,0006,900
Securities gains (losses)$-30,0008,946
Applicable income taxes$134,0006,108
Income before extraordinary items$357,0007,120
Extraordinary gains, net$038
Net income$357,0007,118
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0004,089
Cash dividends$150,0005,476
Sale, conversion, retirement of capital stock, net$0969
Net operating income$378,9006,990
1999-12-31 (YTD Data)Rank
Total interest income$4,050,0006,327
Total interest expense$1,550,0006,852
Net interest income$2,500,0005,800
Provision for loan and lease losses$119,0004,899
Total noninterest income$294,0006,495
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$221,0004,854
Trading account gains and feesNANA
Additional Noninterest Income$73,0007,335
Total noninterest expense$2,113,0005,474
Salaries and employee benefits$929,0006,185
Premises and equipment expense$293,0005,535
Additional noninterest expense$891,0004,418
Pre-tax net operating income$562,0006,856
Securities gains (losses)$10,0001,755
Applicable income taxes$158,0006,174
Income before extraordinary items$414,0006,909
Extraordinary gains, net$035
Net income$414,0006,909
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$87,0003,827
Cash dividends$500,0003,483
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$406,8006,929
1998-12-31 (YTD Data)Rank
Total interest income$3,777,0006,682
Total interest expense$1,785,0006,578
Net interest income$1,992,0006,683
Provision for loan and lease losses$134,0004,412
Total noninterest income$395,0005,655
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$208,0005,047
Trading account gains and feesNANA
Additional Noninterest Income$187,0005,137
Total noninterest expense$2,023,0005,553
Salaries and employee benefits$797,0006,699
Premises and equipment expense$267,0005,734
Additional noninterest expense$959,0004,094
Pre-tax net operating income$230,0008,769
Securities gains (losses)$2,0003,909
Applicable income taxes$42,0008,467
Income before extraordinary items$190,0008,687
Extraordinary gains, net$032
Net income$190,0008,686
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,0004,094
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$188,3608,630
1997-12-31 (YTD Data)Rank
Total interest income$2,824,0007,969
Total interest expense$1,223,0008,052
Net interest income$1,601,0007,775
Provision for loan and lease losses$55,0006,469
Total noninterest income$215,0007,648
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$177,0005,707
Trading account gains and feesNANA
Additional Noninterest Income$38,0008,946
Total noninterest expense$1,511,0006,759
Salaries and employee benefits$569,0008,126
Premises and equipment expense$182,0007,166
Additional noninterest expense$760,0004,921
Pre-tax net operating income$250,0009,292
Securities gains (losses)$03,944
Applicable income taxes$89,0008,585
Income before extraordinary items$161,0009,486
Extraordinary gains, net$044
Net income$161,0009,488
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0003,443
Cash dividends$83,0006,731
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$161,0009,444
1996-12-31 (YTD Data)Rank
Total interest income$2,719,0008,387
Total interest expense$1,138,0008,574
Net interest income$1,581,0008,080
Provision for loan and lease losses$135,0004,332
Total noninterest income$235,0007,787
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$183,0005,856
Trading account gains and feesNANA
Additional Noninterest Income$52,0008,801
Total noninterest expense$1,272,0007,748
Salaries and employee benefits$553,0008,461
Premises and equipment expense$130,0008,532
Additional noninterest expense$589,0006,421
Pre-tax net operating income$409,0008,452
Securities gains (losses)$04,148
Applicable income taxes$71,0009,311
Income before extraordinary items$338,0008,096
Extraordinary gains, net$053
Net income$338,0008,096
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$115,0003,667
Cash dividends$157,0005,911
Sale, conversion, retirement of capital stock, net$0953
Net operating income$338,0008,045
1995-12-31 (YTD Data)Rank
Total interest income$2,856,0008,425
Total interest expense$1,212,0008,549
Net interest income$1,644,0008,160
Provision for loan and lease losses$110,0004,388
Total noninterest income$244,0007,777
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$144,0006,790
Trading account gains and feesNANA
Additional Noninterest Income$100,0007,238
Total noninterest expense$1,471,0007,355
Salaries and employee benefits$714,0007,633
Premises and equipment expense$134,0008,673
Additional noninterest expense$623,0006,384
Pre-tax net operating income$307,0009,696
Securities gains (losses)$03,831
Applicable income taxes$33,00010,533
Income before extraordinary items$274,0009,196
Extraordinary gains, net$065
Net income$274,0009,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$131,0003,202
Cash dividends$138,0006,249
Sale, conversion, retirement of capital stock, net$0809
Net operating income$274,0009,162
1994-12-31 (YTD Data)Rank
Total interest income$2,896,0008,238
Total interest expense$1,076,0008,369
Net interest income$1,820,0007,985
Provision for loan and lease losses$128,0003,919
Total noninterest income$227,0008,289
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$142,0007,083
Trading account gains and feesNANA
Additional Noninterest Income$85,0008,027
Total noninterest expense$1,518,0007,549
Salaries and employee benefits$694,0007,928
Premises and equipment expense$144,0008,713
Additional noninterest expense$680,0006,470
Pre-tax net operating income$401,0009,356
Securities gains (losses)$-7,0009,611
Applicable income taxes$84,0009,709
Income before extraordinary items$310,0009,036
Extraordinary gains, net$0249
Net income$310,0009,040
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$150,0002,966
Cash dividends$73,0007,479
Sale, conversion, retirement of capital stock, net$27,000986
Net operating income$315,5309,040
1993-12-31 (YTD Data)Rank
Total interest income$3,385,0007,702
Total interest expense$1,327,0007,788
Net interest income$2,058,0007,514
Provision for loan and lease losses$219,0003,726
Total noninterest income$192,0009,372
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$150,0007,086
Trading account gains and feesNANA
Additional Noninterest Income$42,00010,560
Total noninterest expense$1,694,0007,205
Salaries and employee benefits$719,0007,878
Premises and equipment expense$210,0007,496
Additional noninterest expense$765,0006,140
Pre-tax net operating income$337,0009,915
Securities gains (losses)$19,0004,737
Applicable income taxes$72,00010,417
Income before extraordinary items$284,0009,645
Extraordinary gains, net$03,149
Net income$284,0009,788
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$322,0002,354
Cash dividends$66,0007,589
Sale, conversion, retirement of capital stock, net$25,0001,055
Net operating income$268,8009,574
1992-12-31 (YTD Data)Rank
Total interest income$3,701,0007,904
Total interest expense$1,761,0007,736
Net interest income$1,940,0007,920
Provision for loan and lease losses$174,0005,685
Total noninterest income$190,0009,610
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$145,0007,235
Trading account gains and feesNANA
Additional Noninterest Income$45,00010,722
Total noninterest expense$1,448,0008,103
Salaries and employee benefits$596,0008,839
Premises and equipment expense$207,0007,676
Additional noninterest expense$645,0007,140
Pre-tax net operating income$508,0008,357
Securities gains (losses)$34,0004,785
Applicable income taxes$135,0009,001
Income before extraordinary items$407,0008,143
Extraordinary gains, net$01,422
Net income$407,0008,271
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$155,0004,797
Cash dividends$59,0007,502
Sale, conversion, retirement of capital stock, net$-53,00013,814
Net operating income$381,5008,046

* 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.