Home > The Second National Bank of Warren > Income and Expense
The Second National Bank of Warren, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $49,457,000 | 318 |
| Total interest expense | $22,807,000 | 220 |
| Net interest income | $26,650,000 | 402 |
| Provision for loan and lease losses | $30,443,000 | 56 |
| Total noninterest income | $6,020,000 | 547 |
| Gross Fiduciary activities income | $1,212,000 | 233 |
| Service charges on deposit accounts | $3,125,000 | 273 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,683,000 | 904 |
| Total noninterest expense | $28,190,000 | 324 |
| Salaries and employee benefits | $14,925,000 | 312 |
| Premises and equipment expense | $4,917,000 | 270 |
| Additional noninterest expense | $8,348,000 | 361 |
| Pre-tax net operating income | $-25,963,000 | 9,086 |
| Securities gains (losses) | $1,116,000 | 197 |
| Applicable income taxes | $-8,691,000 | 9,073 |
| Income before extraordinary items | $-16,156,000 | 9,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-16,156,000 | 9,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,855,000 | 65 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-16,881,400 | 9,073 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $25,443,000 | 318 |
| Total interest expense | $11,440,000 | 221 |
| Net interest income | $14,003,000 | 393 |
| Provision for loan and lease losses | $1,350,000 | 251 |
| Total noninterest income | $5,646,000 | 351 |
| Gross Fiduciary activities income | $687,000 | 219 |
| Service charges on deposit accounts | $1,620,000 | 261 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,339,000 | 343 |
| Total noninterest expense | $12,994,000 | 356 |
| Salaries and employee benefits | $7,289,000 | 322 |
| Premises and equipment expense | $2,233,000 | 293 |
| Additional noninterest expense | $3,472,000 | 413 |
| Pre-tax net operating income | $5,305,000 | 461 |
| Securities gains (losses) | $497,000 | 263 |
| Applicable income taxes | $1,617,000 | 505 |
| Income before extraordinary items | $4,185,000 | 435 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,185,000 | 434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,087,000 | 258 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,827,160 | 438 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $102,499,000 | 318 |
| Total interest expense | $44,786,000 | 242 |
| Net interest income | $57,713,000 | 367 |
| Provision for loan and lease losses | $7,610,000 | 240 |
| Total noninterest income | $31,751,000 | 294 |
| Gross Fiduciary activities income | $2,560,000 | 224 |
| Service charges on deposit accounts | $6,259,000 | 277 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $22,932,000 | 274 |
| Total noninterest expense | $51,693,000 | 359 |
| Salaries and employee benefits | $27,817,000 | 330 |
| Premises and equipment expense | $8,619,000 | 300 |
| Additional noninterest expense | $15,257,000 | 401 |
| Pre-tax net operating income | $30,161,000 | 348 |
| Securities gains (losses) | $4,368,000 | 175 |
| Applicable income taxes | $10,241,000 | 362 |
| Income before extraordinary items | $24,288,000 | 328 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $24,288,000 | 329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,331,000 | 237 |
| Cash dividends | $16,654,000 | 272 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $21,230,400 | 340 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $76,458,000 | 327 |
| Total interest expense | $33,476,000 | 253 |
| Net interest income | $42,982,000 | 372 |
| Provision for loan and lease losses | $6,124,000 | 238 |
| Total noninterest income | $26,771,000 | 281 |
| Gross Fiduciary activities income | $1,803,000 | 241 |
| Service charges on deposit accounts | $4,631,000 | 294 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,337,000 | 266 |
| Total noninterest expense | $38,420,000 | 366 |
| Salaries and employee benefits | $20,603,000 | 339 |
| Premises and equipment expense | $6,515,000 | 310 |
| Additional noninterest expense | $11,302,000 | 416 |
| Pre-tax net operating income | $25,209,000 | 335 |
| Securities gains (losses) | $3,617,000 | 185 |
| Applicable income taxes | $8,869,000 | 339 |
| Income before extraordinary items | $19,957,000 | 318 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $19,957,000 | 320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,347,000 | 220 |
| Cash dividends | $14,055,000 | 248 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $17,461,270 | 326 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $51,246,000 | 329 |
| Total interest expense | $22,507,000 | 254 |
| Net interest income | $28,739,000 | 379 |
| Provision for loan and lease losses | $5,028,000 | 207 |
| Total noninterest income | $23,629,000 | 239 |
| Gross Fiduciary activities income | $1,172,000 | 251 |
| Service charges on deposit accounts | $3,082,000 | 294 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $19,375,000 | 214 |
| Total noninterest expense | $26,053,000 | 368 |
| Salaries and employee benefits | $14,267,000 | 331 |
| Premises and equipment expense | $4,336,000 | 316 |
| Additional noninterest expense | $7,450,000 | 423 |
| Pre-tax net operating income | $21,287,000 | 283 |
| Securities gains (losses) | $51,000 | 2,000 |
| Applicable income taxes | $6,682,000 | 319 |
| Income before extraordinary items | $14,656,000 | 301 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $14,656,000 | 302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,593,000 | 202 |
| Cash dividends | $8,852,000 | 232 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $14,620,810 | 276 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $25,880,000 | 332 |
| Total interest expense | $11,358,000 | 262 |
| Net interest income | $14,522,000 | 381 |
| Provision for loan and lease losses | $2,173,000 | 233 |
| Total noninterest income | $13,714,000 | 228 |
| Gross Fiduciary activities income | $609,000 | 250 |
| Service charges on deposit accounts | $1,527,000 | 294 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,578,000 | 194 |
| Total noninterest expense | $12,872,000 | 372 |
| Salaries and employee benefits | $7,099,000 | 332 |
| Premises and equipment expense | $2,210,000 | 317 |
| Additional noninterest expense | $3,563,000 | 433 |
| Pre-tax net operating income | $13,191,000 | 246 |
| Securities gains (losses) | $51,000 | 1,378 |
| Applicable income taxes | $4,217,000 | 276 |
| Income before extraordinary items | $9,025,000 | 264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,025,000 | 264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,012,000 | 212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $8,990,320 | 243 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $107,192,000 | 343 |
| Total interest expense | $47,851,000 | 288 |
| Net interest income | $59,341,000 | 378 |
| Provision for loan and lease losses | $6,159,000 | 331 |
| Total noninterest income | $22,210,000 | 379 |
| Gross Fiduciary activities income | $2,715,000 | 235 |
| Service charges on deposit accounts | $5,823,000 | 294 |
| Trading account gains and fees | $-20,000 | 9,295 |
| Additional Noninterest Income | $13,692,000 | 362 |
| Total noninterest expense | $47,921,000 | 387 |
| Salaries and employee benefits | $25,414,000 | 343 |
| Premises and equipment expense | $8,339,000 | 305 |
| Additional noninterest expense | $14,168,000 | 441 |
| Pre-tax net operating income | $27,471,000 | 367 |
| Securities gains (losses) | $647,000 | 559 |
| Applicable income taxes | $7,642,000 | 435 |
| Income before extraordinary items | $20,476,000 | 369 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $20,476,000 | 368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,259,000 | 316 |
| Cash dividends | $30,701,000 | 181 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $20,003,690 | 347 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $112,473,000 | 364 |
| Total interest expense | $61,649,000 | 326 |
| Net interest income | $50,824,000 | 398 |
| Provision for loan and lease losses | $4,718,000 | 367 |
| Total noninterest income | $18,896,000 | 400 |
| Gross Fiduciary activities income | $2,870,000 | 232 |
| Service charges on deposit accounts | $5,302,000 | 304 |
| Trading account gains and fees | $29,000 | 144 |
| Additional Noninterest Income | $10,695,000 | 405 |
| Total noninterest expense | $40,671,000 | 426 |
| Salaries and employee benefits | $20,996,000 | 383 |
| Premises and equipment expense | $8,152,000 | 309 |
| Additional noninterest expense | $11,523,000 | 516 |
| Pre-tax net operating income | $24,331,000 | 370 |
| Securities gains (losses) | $605,000 | 550 |
| Applicable income taxes | $6,619,000 | 451 |
| Income before extraordinary items | $18,317,000 | 352 |
| Extraordinary gains, net | $-101,000 | 9,527 |
| Net income | $18,216,000 | 351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,118,000 | 305 |
| Cash dividends | $8,150,000 | 432 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $17,875,350 | 344 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $116,195,000 | 369 |
| Total interest expense | $67,052,000 | 345 |
| Net interest income | $49,143,000 | 408 |
| Provision for loan and lease losses | $7,129,000 | 251 |
| Total noninterest income | $10,973,000 | 546 |
| Gross Fiduciary activities income | $3,898,000 | 192 |
| Service charges on deposit accounts | $4,406,000 | 323 |
| Trading account gains and fees | $-26,000 | 4,497 |
| Additional Noninterest Income | $2,695,000 | 923 |
| Total noninterest expense | $42,018,000 | 400 |
| Salaries and employee benefits | $20,173,000 | 370 |
| Premises and equipment expense | $8,163,000 | 299 |
| Additional noninterest expense | $13,682,000 | 465 |
| Pre-tax net operating income | $10,969,000 | 720 |
| Securities gains (losses) | $-2,389,000 | 9,806 |
| Applicable income taxes | $956,000 | 2,206 |
| Income before extraordinary items | $7,624,000 | 717 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,624,000 | 717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,081,000 | 362 |
| Cash dividends | $7,952,000 | 455 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,750,210 | 584 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $104,486,000 | 394 |
| Total interest expense | $56,090,000 | 349 |
| Net interest income | $48,396,000 | 436 |
| Provision for loan and lease losses | $3,195,000 | 395 |
| Total noninterest income | $14,482,000 | 488 |
| Gross Fiduciary activities income | $3,534,000 | 240 |
| Service charges on deposit accounts | $4,309,000 | 333 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $6,639,000 | 559 |
| Total noninterest expense | $37,685,000 | 449 |
| Salaries and employee benefits | $18,677,000 | 405 |
| Premises and equipment expense | $7,522,000 | 329 |
| Additional noninterest expense | $11,486,000 | 546 |
| Pre-tax net operating income | $21,998,000 | 449 |
| Securities gains (losses) | $211,000 | 532 |
| Applicable income taxes | $5,656,000 | 549 |
| Income before extraordinary items | $16,553,000 | 418 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $16,553,000 | 418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,765,000 | 378 |
| Cash dividends | $6,345,000 | 558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $16,394,750 | 413 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $106,904,000 | 375 |
| Total interest expense | $56,823,000 | 350 |
| Net interest income | $50,081,000 | 404 |
| Provision for loan and lease losses | $10,579,000 | 210 |
| Total noninterest income | $11,747,000 | 542 |
| Gross Fiduciary activities income | $2,820,000 | 265 |
| Service charges on deposit accounts | $4,145,000 | 320 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $4,782,000 | 664 |
| Total noninterest expense | $38,251,000 | 439 |
| Salaries and employee benefits | $18,718,000 | 401 |
| Premises and equipment expense | $7,008,000 | 335 |
| Additional noninterest expense | $12,525,000 | 503 |
| Pre-tax net operating income | $12,998,000 | 636 |
| Securities gains (losses) | $966,000 | 385 |
| Applicable income taxes | $3,226,000 | 815 |
| Income before extraordinary items | $10,738,000 | 552 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $10,738,000 | 551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,677,000 | 215 |
| Cash dividends | $7,967,000 | 463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $9,994,180 | 564 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $68,156,000 | 545 |
| Total interest expense | $34,018,000 | 530 |
| Net interest income | $34,138,000 | 551 |
| Provision for loan and lease losses | $3,939,000 | 364 |
| Total noninterest income | $8,609,000 | 633 |
| Gross Fiduciary activities income | $2,562,000 | 288 |
| Service charges on deposit accounts | $3,021,000 | 436 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,026,000 | 838 |
| Total noninterest expense | $26,744,000 | 568 |
| Salaries and employee benefits | $13,011,000 | 521 |
| Premises and equipment expense | $5,157,000 | 430 |
| Additional noninterest expense | $8,576,000 | 657 |
| Pre-tax net operating income | $12,064,000 | 699 |
| Securities gains (losses) | $243,000 | 626 |
| Applicable income taxes | $2,855,000 | 970 |
| Income before extraordinary items | $9,452,000 | 621 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $9,452,000 | 622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,384,000 | 303 |
| Cash dividends | $7,722,000 | 449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $9,264,890 | 614 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $65,579,000 | 597 |
| Total interest expense | $32,096,000 | 583 |
| Net interest income | $33,483,000 | 606 |
| Provision for loan and lease losses | $4,956,000 | 337 |
| Total noninterest income | $7,997,000 | 686 |
| Gross Fiduciary activities income | $2,335,000 | 331 |
| Service charges on deposit accounts | $2,689,000 | 513 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,973,000 | 882 |
| Total noninterest expense | $25,539,000 | 638 |
| Salaries and employee benefits | $12,389,000 | 569 |
| Premises and equipment expense | $4,537,000 | 502 |
| Additional noninterest expense | $8,613,000 | 753 |
| Pre-tax net operating income | $10,985,000 | 732 |
| Securities gains (losses) | $462,000 | 436 |
| Applicable income taxes | $2,658,000 | 962 |
| Income before extraordinary items | $8,789,000 | 653 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,789,000 | 653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,404,000 | 366 |
| Cash dividends | $8,384,000 | 479 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $8,433,260 | 652 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $62,525,000 | 648 |
| Total interest expense | $31,110,000 | 631 |
| Net interest income | $31,415,000 | 656 |
| Provision for loan and lease losses | $3,000,000 | 449 |
| Total noninterest income | $6,901,000 | 771 |
| Gross Fiduciary activities income | $2,227,000 | 360 |
| Service charges on deposit accounts | $2,413,000 | 580 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,261,000 | 1,053 |
| Total noninterest expense | $25,442,000 | 659 |
| Salaries and employee benefits | $11,337,000 | 621 |
| Premises and equipment expense | $4,280,000 | 562 |
| Additional noninterest expense | $9,825,000 | 696 |
| Pre-tax net operating income | $9,874,000 | 837 |
| Securities gains (losses) | $634,000 | 296 |
| Applicable income taxes | $2,794,000 | 961 |
| Income before extraordinary items | $7,714,000 | 746 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $7,714,000 | 746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,378,000 | 515 |
| Cash dividends | $3,384,000 | 847 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $7,251,180 | 785 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $52,026,000 | 678 |
| Total interest expense | $21,988,000 | 663 |
| Net interest income | $30,038,000 | 668 |
| Provision for loan and lease losses | $2,370,000 | 506 |
| Total noninterest income | $4,958,000 | 931 |
| Gross Fiduciary activities income | $2,025,000 | 365 |
| Service charges on deposit accounts | $1,905,000 | 709 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,028,000 | 1,806 |
| Total noninterest expense | $23,300,000 | 714 |
| Salaries and employee benefits | $10,114,000 | 698 |
| Premises and equipment expense | $3,702,000 | 624 |
| Additional noninterest expense | $9,484,000 | 731 |
| Pre-tax net operating income | $9,326,000 | 841 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $2,536,000 | 1,002 |
| Income before extraordinary items | $6,811,000 | 780 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,811,000 | 779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,636,000 | 646 |
| Cash dividends | $3,168,000 | 773 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 268 |
| Net operating income | $6,795,670 | 788 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $46,446,000 | 737 |
| Total interest expense | $19,340,000 | 733 |
| Net interest income | $27,106,000 | 723 |
| Provision for loan and lease losses | $2,555,000 | 672 |
| Total noninterest income | $4,717,000 | 1,028 |
| Gross Fiduciary activities income | $1,973,000 | 381 |
| Service charges on deposit accounts | $1,668,000 | 790 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,076,000 | 1,937 |
| Total noninterest expense | $21,019,000 | 804 |
| Salaries and employee benefits | $8,502,000 | 813 |
| Premises and equipment expense | $3,739,000 | 633 |
| Additional noninterest expense | $8,778,000 | 834 |
| Pre-tax net operating income | $8,249,000 | 892 |
| Securities gains (losses) | $104,000 | 2,454 |
| Applicable income taxes | $2,270,000 | 1,081 |
| Income before extraordinary items | $6,083,000 | 859 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $6,083,000 | 892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,513,000 | 867 |
| Cash dividends | $2,651,000 | 793 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 463 |
| Net operating income | $6,007,080 | 824 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $43,446,000 | 874 |
| Total interest expense | $19,471,000 | 930 |
| Net interest income | $23,975,000 | 813 |
| Provision for loan and lease losses | $2,765,000 | 893 |
| Total noninterest income | $4,103,000 | 1,120 |
| Gross Fiduciary activities income | $1,727,000 | 419 |
| Service charges on deposit accounts | $1,354,000 | 961 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,022,000 | 1,969 |
| Total noninterest expense | $19,177,000 | 879 |
| Salaries and employee benefits | $7,303,000 | 931 |
| Premises and equipment expense | $3,400,000 | 708 |
| Additional noninterest expense | $8,474,000 | 880 |
| Pre-tax net operating income | $6,136,000 | 1,067 |
| Securities gains (losses) | $375,000 | 1,337 |
| Applicable income taxes | $1,748,000 | 1,265 |
| Income before extraordinary items | $4,763,000 | 998 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,763,000 | 1,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,231,000 | 901 |
| Cash dividends | $2,200,000 | 773 |
| Sale, conversion, retirement of capital stock, net | $7,600,000 | 122 |
| Net operating income | $4,489,250 | 959 |
* 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.