Home > The Savings Bank and Trust Company > Income and Expense
The Savings Bank and Trust Company, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,752,000 | 2,534 |
| Total interest expense | $1,626,000 | 2,836 |
| Net interest income | $4,126,000 | 2,347 |
| Provision for loan and lease losses | $753,000 | 808 |
| Total noninterest income | $1,223,000 | 2,028 |
| Gross Fiduciary activities income | $254,000 | 564 |
| Service charges on deposit accounts | $485,000 | 1,747 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $484,000 | 2,489 |
| Total noninterest expense | $3,892,000 | 2,022 |
| Salaries and employee benefits | $2,061,000 | 2,058 |
| Premises and equipment expense | $424,000 | 2,622 |
| Additional noninterest expense | $1,407,000 | 1,708 |
| Pre-tax net operating income | $704,000 | 4,409 |
| Securities gains (losses) | $170,000 | 1,142 |
| Applicable income taxes | $153,000 | 4,463 |
| Income before extraordinary items | $721,000 | 3,782 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $721,000 | 3,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,614 |
| Cash dividends | $2,211,000 | 677 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $581,600 | 4,176 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,006,000 | 2,446 |
| Total interest expense | $898,000 | 2,653 |
| Net interest income | $2,108,000 | 2,314 |
| Provision for loan and lease losses | $308,000 | 896 |
| Total noninterest income | $546,000 | 2,145 |
| Gross Fiduciary activities income | $132,000 | 562 |
| Service charges on deposit accounts | $218,000 | 1,877 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $196,000 | 2,753 |
| Total noninterest expense | $1,659,000 | 2,338 |
| Salaries and employee benefits | $846,000 | 2,491 |
| Premises and equipment expense | $282,000 | 2,025 |
| Additional noninterest expense | $531,000 | 2,206 |
| Pre-tax net operating income | $687,000 | 2,772 |
| Securities gains (losses) | $99,000 | 1,010 |
| Applicable income taxes | $187,000 | 2,815 |
| Income before extraordinary items | $599,000 | 2,548 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $599,000 | 2,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,904 |
| Cash dividends | $211,000 | 2,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $523,760 | 2,708 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,720,000 | 2,433 |
| Total interest expense | $4,296,000 | 2,580 |
| Net interest income | $8,424,000 | 2,303 |
| Provision for loan and lease losses | $375,000 | 2,962 |
| Total noninterest income | $1,956,000 | 2,168 |
| Gross Fiduciary activities income | $448,000 | 610 |
| Service charges on deposit accounts | $860,000 | 1,874 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $648,000 | 2,838 |
| Total noninterest expense | $6,156,000 | 2,406 |
| Salaries and employee benefits | $3,396,000 | 2,349 |
| Premises and equipment expense | $1,009,000 | 2,166 |
| Additional noninterest expense | $1,751,000 | 2,601 |
| Pre-tax net operating income | $3,849,000 | 2,051 |
| Securities gains (losses) | $99,000 | 1,763 |
| Applicable income taxes | $1,056,000 | 2,127 |
| Income before extraordinary items | $2,892,000 | 2,075 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,892,000 | 2,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 2,213 |
| Cash dividends | $1,177,000 | 1,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,819,730 | 2,047 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,822,000 | 2,660 |
| Total interest expense | $6,013,000 | 2,660 |
| Net interest income | $6,809,000 | 2,630 |
| Provision for loan and lease losses | $410,000 | 2,573 |
| Total noninterest income | $1,465,000 | 2,555 |
| Gross Fiduciary activities income | $423,000 | 644 |
| Service charges on deposit accounts | $491,000 | 2,874 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $551,000 | 2,967 |
| Total noninterest expense | $5,347,000 | 2,649 |
| Salaries and employee benefits | $2,994,000 | 2,512 |
| Premises and equipment expense | $839,000 | 2,514 |
| Additional noninterest expense | $1,514,000 | 2,844 |
| Pre-tax net operating income | $2,517,000 | 2,653 |
| Securities gains (losses) | $224,000 | 1,100 |
| Applicable income taxes | $716,000 | 2,623 |
| Income before extraordinary items | $2,025,000 | 2,503 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,025,000 | 2,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,328 |
| Cash dividends | $901,000 | 2,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,859,240 | 2,619 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,012,000 | 2,665 |
| Total interest expense | $6,878,000 | 2,450 |
| Net interest income | $6,134,000 | 2,876 |
| Provision for loan and lease losses | $256,000 | 3,180 |
| Total noninterest income | $1,173,000 | 2,804 |
| Gross Fiduciary activities income | $338,000 | 694 |
| Service charges on deposit accounts | $423,000 | 3,101 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $412,000 | 3,275 |
| Total noninterest expense | $5,215,000 | 2,609 |
| Salaries and employee benefits | $2,744,000 | 2,590 |
| Premises and equipment expense | $781,000 | 2,635 |
| Additional noninterest expense | $1,690,000 | 2,526 |
| Pre-tax net operating income | $1,836,000 | 3,527 |
| Securities gains (losses) | $-20,000 | 8,739 |
| Applicable income taxes | $424,000 | 3,869 |
| Income before extraordinary items | $1,392,000 | 3,450 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,392,000 | 3,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,559 |
| Cash dividends | $891,000 | 2,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,407,400 | 3,409 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,275,000 | 2,868 |
| Total interest expense | $5,329,000 | 2,745 |
| Net interest income | $5,946,000 | 2,952 |
| Provision for loan and lease losses | $224,000 | 3,326 |
| Total noninterest income | $1,124,000 | 2,832 |
| Gross Fiduciary activities income | $230,000 | 834 |
| Service charges on deposit accounts | $371,000 | 3,408 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $523,000 | 2,873 |
| Total noninterest expense | $4,996,000 | 2,705 |
| Salaries and employee benefits | $2,791,000 | 2,512 |
| Premises and equipment expense | $672,000 | 2,964 |
| Additional noninterest expense | $1,533,000 | 2,808 |
| Pre-tax net operating income | $1,850,000 | 3,540 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $413,000 | 4,076 |
| Income before extraordinary items | $1,437,000 | 3,354 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,437,000 | 3,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,958 |
| Cash dividends | $672,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,437,000 | 3,318 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,981,000 | 2,940 |
| Total interest expense | $5,311,000 | 2,837 |
| Net interest income | $5,670,000 | 3,041 |
| Provision for loan and lease losses | $285,000 | 2,735 |
| Total noninterest income | $1,094,000 | 2,885 |
| Gross Fiduciary activities income | $159,000 | 912 |
| Service charges on deposit accounts | $382,000 | 3,256 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $553,000 | 2,801 |
| Total noninterest expense | $4,492,000 | 2,896 |
| Salaries and employee benefits | $2,524,000 | 2,685 |
| Premises and equipment expense | $567,000 | 3,340 |
| Additional noninterest expense | $1,401,000 | 2,955 |
| Pre-tax net operating income | $1,987,000 | 3,365 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $460,000 | 4,072 |
| Income before extraordinary items | $1,527,000 | 3,209 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,527,000 | 3,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,732 |
| Cash dividends | $624,000 | 3,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,527,000 | 3,118 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,408,000 | 3,110 |
| Total interest expense | $4,994,000 | 2,978 |
| Net interest income | $5,414,000 | 3,231 |
| Provision for loan and lease losses | $369,000 | 2,223 |
| Total noninterest income | $1,050,000 | 2,934 |
| Gross Fiduciary activities income | $120,000 | 1,011 |
| Service charges on deposit accounts | $350,000 | 3,614 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $580,000 | 2,547 |
| Total noninterest expense | $4,075,000 | 3,118 |
| Salaries and employee benefits | $2,283,000 | 2,900 |
| Premises and equipment expense | $535,000 | 3,491 |
| Additional noninterest expense | $1,257,000 | 3,217 |
| Pre-tax net operating income | $2,020,000 | 3,504 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $559,000 | 3,880 |
| Income before extraordinary items | $1,461,000 | 3,440 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,461,000 | 3,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,272 |
| Cash dividends | $485,000 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,461,000 | 3,362 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,566,000 | 3,416 |
| Total interest expense | $4,534,000 | 3,290 |
| Net interest income | $5,032,000 | 3,510 |
| Provision for loan and lease losses | $258,000 | 2,889 |
| Total noninterest income | $650,000 | 4,324 |
| Gross Fiduciary activities income | $87,000 | 1,141 |
| Service charges on deposit accounts | $330,000 | 3,945 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $233,000 | 4,738 |
| Total noninterest expense | $3,850,000 | 3,458 |
| Salaries and employee benefits | $2,070,000 | 3,231 |
| Premises and equipment expense | $515,000 | 3,685 |
| Additional noninterest expense | $1,265,000 | 3,616 |
| Pre-tax net operating income | $1,574,000 | 4,170 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $372,000 | 5,123 |
| Income before extraordinary items | $1,202,000 | 3,869 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,202,000 | 3,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,564 |
| Cash dividends | $406,000 | 3,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,202,000 | 3,820 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,717,000 | 3,720 |
| Total interest expense | $4,092,000 | 3,610 |
| Net interest income | $4,625,000 | 3,801 |
| Provision for loan and lease losses | $183,000 | 3,199 |
| Total noninterest income | $547,000 | 4,871 |
| Gross Fiduciary activities income | $43,000 | 1,312 |
| Service charges on deposit accounts | $305,000 | 4,239 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $199,000 | 5,150 |
| Total noninterest expense | $3,549,000 | 3,696 |
| Salaries and employee benefits | $1,907,000 | 3,450 |
| Premises and equipment expense | $463,000 | 4,021 |
| Additional noninterest expense | $1,179,000 | 3,793 |
| Pre-tax net operating income | $1,440,000 | 4,600 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $360,000 | 5,320 |
| Income before extraordinary items | $1,080,000 | 4,314 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,080,000 | 4,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,710 |
| Cash dividends | $384,000 | 3,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,080,000 | 4,300 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,327,000 | 4,052 |
| Total interest expense | $3,054,000 | 3,899 |
| Net interest income | $4,273,000 | 4,114 |
| Provision for loan and lease losses | $141,000 | 3,743 |
| Total noninterest income | $496,000 | 5,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,373 |
| Total noninterest expense | $3,269,000 | 4,096 |
| Salaries and employee benefits | $1,803,000 | 3,609 |
| Premises and equipment expense | $366,000 | 4,924 |
| Additional noninterest expense | $1,100,000 | 4,354 |
| Pre-tax net operating income | $1,359,000 | 4,769 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $354,000 | 5,224 |
| Income before extraordinary items | $1,005,000 | 4,528 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,005,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,376 |
| Cash dividends | $398,000 | 3,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,005,000 | 4,569 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,917,000 | 4,356 |
| Total interest expense | $2,809,000 | 4,361 |
| Net interest income | $4,108,000 | 4,298 |
| Provision for loan and lease losses | $111,000 | 5,491 |
| Total noninterest income | $496,000 | 5,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 5,419 |
| Total noninterest expense | $3,088,000 | 4,398 |
| Salaries and employee benefits | $1,666,000 | 3,888 |
| Premises and equipment expense | $372,000 | 4,997 |
| Additional noninterest expense | $1,050,000 | 4,720 |
| Pre-tax net operating income | $1,405,000 | 4,588 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $297,000 | 6,114 |
| Income before extraordinary items | $1,108,000 | 4,300 |
| Extraordinary gains, net | $45,000 | 2,248 |
| Net income | $1,153,000 | 4,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $372,000 | 3,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,108,000 | 4,079 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,010,000 | 4,819 |
| Total interest expense | $3,064,000 | 5,070 |
| Net interest income | $3,946,000 | 4,504 |
| Provision for loan and lease losses | $207,000 | 5,126 |
| Total noninterest income | $346,000 | 7,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,957 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,687 |
| Total noninterest expense | $2,838,000 | 4,761 |
| Salaries and employee benefits | $1,490,000 | 4,256 |
| Premises and equipment expense | $335,000 | 5,533 |
| Additional noninterest expense | $1,013,000 | 5,010 |
| Pre-tax net operating income | $1,247,000 | 4,764 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $277,000 | 6,260 |
| Income before extraordinary items | $970,000 | 4,625 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $970,000 | 4,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 5,121 |
| Cash dividends | $330,000 | 3,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $970,000 | 4,304 |
* 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.