Home > The Second National Bank of Masontown > Income and Expense
The Second National Bank of Masontown, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,171,000 | 2,594 |
| Total interest expense | $5,645,000 | 2,823 |
| Net interest income | $7,526,000 | 2,381 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $1,071,000 | 3,183 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $596,000 | 2,446 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $475,000 | 3,220 |
| Total noninterest expense | $4,961,000 | 2,840 |
| Salaries and employee benefits | $2,318,000 | 3,160 |
| Premises and equipment expense | $678,000 | 3,030 |
| Additional noninterest expense | $1,965,000 | 2,281 |
| Pre-tax net operating income | $3,456,000 | 1,996 |
| Securities gains (losses) | $70,000 | 2,049 |
| Applicable income taxes | $1,140,000 | 1,896 |
| Income before extraordinary items | $2,386,000 | 2,177 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,386,000 | 2,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,205 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,338,400 | 2,145 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,892,000 | 2,696 |
| Total interest expense | $5,660,000 | 2,937 |
| Net interest income | $7,232,000 | 2,455 |
| Provision for loan and lease losses | $130,000 | 4,683 |
| Total noninterest income | $826,000 | 3,590 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $529,000 | 2,564 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $297,000 | 3,944 |
| Total noninterest expense | $4,424,000 | 3,043 |
| Salaries and employee benefits | $2,106,000 | 3,319 |
| Premises and equipment expense | $620,000 | 3,171 |
| Additional noninterest expense | $1,698,000 | 2,516 |
| Pre-tax net operating income | $3,504,000 | 2,080 |
| Securities gains (losses) | $-230,000 | 9,595 |
| Applicable income taxes | $988,000 | 2,145 |
| Income before extraordinary items | $2,286,000 | 2,262 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,286,000 | 2,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,566 |
| Cash dividends | $600,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,447,000 | 2,121 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,634,000 | 2,786 |
| Total interest expense | $5,043,000 | 2,895 |
| Net interest income | $6,591,000 | 2,657 |
| Provision for loan and lease losses | $215,000 | 3,402 |
| Total noninterest income | $773,000 | 3,713 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $459,000 | 2,839 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $314,000 | 3,927 |
| Total noninterest expense | $4,035,000 | 3,286 |
| Salaries and employee benefits | $1,980,000 | 3,475 |
| Premises and equipment expense | $492,000 | 3,821 |
| Additional noninterest expense | $1,563,000 | 2,768 |
| Pre-tax net operating income | $3,114,000 | 2,328 |
| Securities gains (losses) | $-78,000 | 9,905 |
| Applicable income taxes | $934,000 | 2,324 |
| Income before extraordinary items | $2,102,000 | 2,466 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,102,000 | 2,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $360,000 | 4,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,155,820 | 2,387 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,392,000 | 2,831 |
| Total interest expense | $5,371,000 | 2,802 |
| Net interest income | $6,021,000 | 2,859 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $709,000 | 3,936 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $407,000 | 3,087 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $302,000 | 4,008 |
| Total noninterest expense | $3,770,000 | 3,396 |
| Salaries and employee benefits | $1,913,000 | 3,477 |
| Premises and equipment expense | $393,000 | 4,482 |
| Additional noninterest expense | $1,464,000 | 2,841 |
| Pre-tax net operating income | $2,780,000 | 2,552 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $851,000 | 2,592 |
| Income before extraordinary items | $1,929,000 | 2,636 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,929,000 | 2,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,434 |
| Cash dividends | $320,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,929,000 | 2,556 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,806,000 | 3,006 |
| Total interest expense | $5,107,000 | 2,925 |
| Net interest income | $5,699,000 | 3,059 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $549,000 | 4,699 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $318,000 | 3,890 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $231,000 | 4,592 |
| Total noninterest expense | $3,257,000 | 3,834 |
| Salaries and employee benefits | $1,685,000 | 3,858 |
| Premises and equipment expense | $352,000 | 4,871 |
| Additional noninterest expense | $1,220,000 | 3,308 |
| Pre-tax net operating income | $2,811,000 | 2,629 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $889,000 | 2,686 |
| Income before extraordinary items | $1,924,000 | 2,671 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,924,000 | 2,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,217 |
| Cash dividends | $320,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,922,640 | 2,630 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,764,000 | 3,357 |
| Total interest expense | $4,516,000 | 3,307 |
| Net interest income | $5,248,000 | 3,380 |
| Provision for loan and lease losses | $115,000 | 4,800 |
| Total noninterest income | $499,000 | 5,157 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $268,000 | 4,572 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $231,000 | 4,763 |
| Total noninterest expense | $2,952,000 | 4,356 |
| Salaries and employee benefits | $1,509,000 | 4,280 |
| Premises and equipment expense | $321,000 | 5,318 |
| Additional noninterest expense | $1,122,000 | 3,997 |
| Pre-tax net operating income | $2,680,000 | 2,613 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $857,000 | 2,680 |
| Income before extraordinary items | $1,819,000 | 2,675 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,819,000 | 2,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,007 |
| Cash dividends | $310,000 | 4,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,821,720 | 2,627 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,022,000 | 3,613 |
| Total interest expense | $4,216,000 | 3,520 |
| Net interest income | $4,806,000 | 3,666 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $401,000 | 5,985 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $220,000 | 5,343 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $181,000 | 5,418 |
| Total noninterest expense | $2,831,000 | 4,490 |
| Salaries and employee benefits | $1,438,000 | 4,449 |
| Premises and equipment expense | $322,000 | 5,333 |
| Additional noninterest expense | $1,071,000 | 4,120 |
| Pre-tax net operating income | $2,306,000 | 3,075 |
| Securities gains (losses) | $12,000 | 2,250 |
| Applicable income taxes | $674,000 | 3,352 |
| Income before extraordinary items | $1,644,000 | 2,989 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,644,000 | 2,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 11,288 |
| Cash dividends | $250,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,635,480 | 2,971 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,779,000 | 3,838 |
| Total interest expense | $3,302,000 | 3,631 |
| Net interest income | $4,477,000 | 3,938 |
| Provision for loan and lease losses | $65,000 | 5,465 |
| Total noninterest income | $384,000 | 6,298 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $211,000 | 5,651 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $173,000 | 5,760 |
| Total noninterest expense | $2,717,000 | 4,803 |
| Salaries and employee benefits | $1,268,000 | 4,995 |
| Premises and equipment expense | $299,000 | 5,731 |
| Additional noninterest expense | $1,150,000 | 4,208 |
| Pre-tax net operating income | $2,081,000 | 3,312 |
| Securities gains (losses) | $-146,000 | 11,780 |
| Applicable income taxes | $529,000 | 3,892 |
| Income before extraordinary items | $1,406,000 | 3,360 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,406,000 | 3,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,783 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,512,580 | 3,173 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,006,000 | 3,813 |
| Total interest expense | $3,587,000 | 3,500 |
| Net interest income | $4,419,000 | 4,006 |
| Provision for loan and lease losses | $160,000 | 4,468 |
| Total noninterest income | $392,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $207,000 | 5,846 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $185,000 | 5,910 |
| Total noninterest expense | $2,618,000 | 5,069 |
| Salaries and employee benefits | $1,212,000 | 5,193 |
| Premises and equipment expense | $278,000 | 6,207 |
| Additional noninterest expense | $1,128,000 | 4,438 |
| Pre-tax net operating income | $2,033,000 | 3,256 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $548,000 | 3,860 |
| Income before extraordinary items | $1,489,000 | 3,274 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,489,000 | 3,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,984 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,486,080 | 3,099 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,593,000 | 4,022 |
| Total interest expense | $4,446,000 | 3,686 |
| Net interest income | $4,147,000 | 4,304 |
| Provision for loan and lease losses | $195,000 | 5,287 |
| Total noninterest income | $339,000 | 7,232 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $194,000 | 6,110 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $2,499,000 | 5,313 |
| Salaries and employee benefits | $1,141,000 | 5,415 |
| Premises and equipment expense | $308,000 | 5,860 |
| Additional noninterest expense | $1,050,000 | 4,858 |
| Pre-tax net operating income | $1,792,000 | 3,450 |
| Securities gains (losses) | $-14,000 | 13,390 |
| Applicable income taxes | $440,000 | 4,451 |
| Income before extraordinary items | $1,338,000 | 3,427 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,338,000 | 3,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 7,980 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,348,500 | 3,161 |
* 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.