Home > The St. Mary Bank and Trust Company > Income and Expense
The St. Mary Bank and Trust Company, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,256,000 | 3,454 |
| Total interest expense | $3,125,000 | 4,568 |
| Net interest income | $6,131,000 | 2,801 |
| Provision for loan and lease losses | $1,370,000 | 749 |
| Total noninterest income | $1,060,000 | 2,953 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $794,000 | 1,598 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $266,000 | 4,276 |
| Total noninterest expense | $3,876,000 | 3,307 |
| Salaries and employee benefits | $1,832,000 | 3,615 |
| Premises and equipment expense | $1,146,000 | 1,722 |
| Additional noninterest expense | $898,000 | 4,298 |
| Pre-tax net operating income | $1,945,000 | 3,413 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $615,000 | 3,342 |
| Income before extraordinary items | $1,330,000 | 3,606 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,330,000 | 3,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,702 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,330,000 | 3,510 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,089,000 | 3,552 |
| Total interest expense | $3,191,000 | 4,461 |
| Net interest income | $5,898,000 | 2,957 |
| Provision for loan and lease losses | $2,012,000 | 587 |
| Total noninterest income | $1,206,000 | 2,625 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $801,000 | 1,623 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $405,000 | 3,254 |
| Total noninterest expense | $5,595,000 | 2,304 |
| Salaries and employee benefits | $1,831,000 | 3,579 |
| Premises and equipment expense | $919,000 | 2,143 |
| Additional noninterest expense | $2,845,000 | 1,510 |
| Pre-tax net operating income | $-503,000 | 10,748 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $300,000 | 5,716 |
| Income before extraordinary items | $-801,000 | 10,832 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-801,000 | 10,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,033,000 | 789 |
| Cash dividends | $1,392,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-803,000 | 10,818 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,314,000 | 3,886 |
| Total interest expense | $3,063,000 | 4,697 |
| Net interest income | $5,251,000 | 3,375 |
| Provision for loan and lease losses | $336,000 | 2,384 |
| Total noninterest income | $1,377,000 | 2,446 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $799,000 | 1,669 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $578,000 | 2,631 |
| Total noninterest expense | $4,130,000 | 3,256 |
| Salaries and employee benefits | $1,698,000 | 3,859 |
| Premises and equipment expense | $886,000 | 2,243 |
| Additional noninterest expense | $1,546,000 | 3,045 |
| Pre-tax net operating income | $2,162,000 | 3,208 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $599,000 | 3,594 |
| Income before extraordinary items | $1,566,000 | 3,063 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,566,000 | 3,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,436 |
| Cash dividends | $1,781,000 | 1,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,563,840 | 3,033 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,240,000 | 4,427 |
| Total interest expense | $2,594,000 | 5,403 |
| Net interest income | $4,646,000 | 3,781 |
| Provision for loan and lease losses | $365,000 | 1,989 |
| Total noninterest income | $2,121,000 | 1,743 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $793,000 | 1,709 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,328,000 | 1,482 |
| Total noninterest expense | $3,848,000 | 3,443 |
| Salaries and employee benefits | $1,647,000 | 3,938 |
| Premises and equipment expense | $894,000 | 2,241 |
| Additional noninterest expense | $1,307,000 | 3,473 |
| Pre-tax net operating income | $2,554,000 | 2,787 |
| Securities gains (losses) | $-187,000 | 11,662 |
| Applicable income taxes | $671,000 | 3,365 |
| Income before extraordinary items | $1,696,000 | 2,902 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,696,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 2,180 |
| Cash dividends | $1,434,000 | 1,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,830,640 | 2,669 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,913,000 | 4,273 |
| Total interest expense | $2,327,000 | 4,935 |
| Net interest income | $4,586,000 | 3,857 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $1,313,000 | 2,556 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $797,000 | 1,693 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $516,000 | 2,895 |
| Total noninterest expense | $4,184,000 | 3,290 |
| Salaries and employee benefits | $1,958,000 | 3,349 |
| Premises and equipment expense | $778,000 | 2,588 |
| Additional noninterest expense | $1,448,000 | 3,425 |
| Pre-tax net operating income | $1,655,000 | 4,052 |
| Securities gains (losses) | $-28,000 | 10,602 |
| Applicable income taxes | $327,000 | 5,543 |
| Income before extraordinary items | $1,300,000 | 3,590 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,300,000 | 3,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 11,870 |
| Cash dividends | $710,000 | 2,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,322,400 | 3,570 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,989,000 | 4,321 |
| Total interest expense | $2,228,000 | 5,321 |
| Net interest income | $4,761,000 | 3,738 |
| Provision for loan and lease losses | $91,000 | 5,992 |
| Total noninterest income | $1,131,000 | 3,050 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $711,000 | 1,916 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $420,000 | 3,643 |
| Total noninterest expense | $3,749,000 | 3,696 |
| Salaries and employee benefits | $1,831,000 | 3,548 |
| Premises and equipment expense | $775,000 | 2,630 |
| Additional noninterest expense | $1,143,000 | 4,389 |
| Pre-tax net operating income | $2,052,000 | 3,235 |
| Securities gains (losses) | $15,000 | 5,022 |
| Applicable income taxes | $405,000 | 4,955 |
| Income before extraordinary items | $1,662,000 | 2,942 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,662,000 | 3,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 2,604 |
| Cash dividends | $922,000 | 1,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,650,000 | 2,811 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,965,000 | 4,302 |
| Total interest expense | $3,110,000 | 5,002 |
| Net interest income | $4,855,000 | 3,749 |
| Provision for loan and lease losses | $277,000 | 4,328 |
| Total noninterest income | $1,088,000 | 3,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $636,000 | 2,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $452,000 | 3,421 |
| Total noninterest expense | $3,819,000 | 3,643 |
| Salaries and employee benefits | $1,777,000 | 3,604 |
| Premises and equipment expense | $724,000 | 2,844 |
| Additional noninterest expense | $1,318,000 | 3,995 |
| Pre-tax net operating income | $1,847,000 | 3,347 |
| Securities gains (losses) | $78,000 | 3,414 |
| Applicable income taxes | $460,000 | 4,278 |
| Income before extraordinary items | $1,465,000 | 3,149 |
| Extraordinary gains, net | $254,000 | 352 |
| Net income | $1,719,000 | 2,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 4,456 |
| Cash dividends | $1,749,000 | 965 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,405,720 | 3,032 |
* 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.