Home > The State National Bank of Frankfort > Income and Expense
The State National Bank of Frankfort, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,433,000 | 4,416 |
| Total interest expense | $399,000 | 4,347 |
| Net interest income | $1,034,000 | 4,381 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $98,000 | 5,820 |
| Gross Fiduciary activities income | $4,000 | 1,216 |
| Service charges on deposit accounts | $75,000 | 4,266 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $870,000 | 4,199 |
| Salaries and employee benefits | $409,000 | 4,659 |
| Premises and equipment expense | $157,000 | 3,456 |
| Additional noninterest expense | $304,000 | 3,713 |
| Pre-tax net operating income | $262,000 | 5,152 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $50,000 | 4,842 |
| Income before extraordinary items | $220,000 | 5,102 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $220,000 | 5,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $213,520 | 5,049 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,137,000 | 4,246 |
| Total interest expense | $1,918,000 | 4,151 |
| Net interest income | $4,219,000 | 4,196 |
| Provision for loan and lease losses | $5,000 | 7,519 |
| Total noninterest income | $417,000 | 5,887 |
| Gross Fiduciary activities income | $16,000 | 1,284 |
| Service charges on deposit accounts | $318,000 | 4,167 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $83,000 | 6,824 |
| Total noninterest expense | $3,523,000 | 4,093 |
| Salaries and employee benefits | $1,563,000 | 4,720 |
| Premises and equipment expense | $658,000 | 3,250 |
| Additional noninterest expense | $1,302,000 | 3,488 |
| Pre-tax net operating income | $1,108,000 | 4,895 |
| Securities gains (losses) | $25,000 | 3,074 |
| Applicable income taxes | $233,000 | 4,686 |
| Income before extraordinary items | $900,000 | 4,941 |
| Extraordinary gains, net | $-42,000 | 9,153 |
| Net income | $858,000 | 5,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,791 |
| Cash dividends | $925,000 | 2,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $880,250 | 4,831 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,626,000 | 4,276 |
| Total interest expense | $1,495,000 | 4,153 |
| Net interest income | $3,131,000 | 4,255 |
| Provision for loan and lease losses | $5,000 | 7,333 |
| Total noninterest income | $312,000 | 5,938 |
| Gross Fiduciary activities income | $12,000 | 1,259 |
| Service charges on deposit accounts | $240,000 | 4,171 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $60,000 | 6,950 |
| Total noninterest expense | $2,634,000 | 4,077 |
| Salaries and employee benefits | $1,129,000 | 4,828 |
| Premises and equipment expense | $509,000 | 3,172 |
| Additional noninterest expense | $996,000 | 3,411 |
| Pre-tax net operating income | $804,000 | 5,113 |
| Securities gains (losses) | $24,000 | 2,852 |
| Applicable income taxes | $131,000 | 5,277 |
| Income before extraordinary items | $697,000 | 5,008 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $697,000 | 5,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,438 |
| Cash dividends | $325,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $676,840 | 4,894 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,102,000 | 4,299 |
| Total interest expense | $1,022,000 | 4,182 |
| Net interest income | $2,080,000 | 4,275 |
| Provision for loan and lease losses | $5,000 | 7,119 |
| Total noninterest income | $211,000 | 5,877 |
| Gross Fiduciary activities income | $8,000 | 1,256 |
| Service charges on deposit accounts | $159,000 | 4,157 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $44,000 | 6,789 |
| Total noninterest expense | $1,753,000 | 4,083 |
| Salaries and employee benefits | $756,000 | 4,821 |
| Premises and equipment expense | $343,000 | 3,139 |
| Additional noninterest expense | $654,000 | 3,433 |
| Pre-tax net operating income | $533,000 | 5,157 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $78,000 | 5,441 |
| Income before extraordinary items | $457,000 | 5,045 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $457,000 | 5,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $455,300 | 4,848 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,596,000 | 4,241 |
| Total interest expense | $519,000 | 4,218 |
| Net interest income | $1,077,000 | 4,169 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $95,000 | 6,020 |
| Gross Fiduciary activities income | $3,000 | 1,293 |
| Service charges on deposit accounts | $74,000 | 4,258 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,000 | 7,075 |
| Total noninterest expense | $867,000 | 4,114 |
| Salaries and employee benefits | $373,000 | 4,868 |
| Premises and equipment expense | $173,000 | 3,114 |
| Additional noninterest expense | $321,000 | 3,442 |
| Pre-tax net operating income | $300,000 | 4,784 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $52,000 | 5,042 |
| Income before extraordinary items | $250,000 | 4,715 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $250,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $248,340 | 4,543 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,314,000 | 3,908 |
| Total interest expense | $2,517,000 | 4,077 |
| Net interest income | $4,797,000 | 3,782 |
| Provision for loan and lease losses | $559,000 | 2,194 |
| Total noninterest income | $377,000 | 5,926 |
| Gross Fiduciary activities income | $18,000 | 1,314 |
| Service charges on deposit accounts | $271,000 | 4,484 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $88,000 | 6,695 |
| Total noninterest expense | $3,612,000 | 3,860 |
| Salaries and employee benefits | $1,670,000 | 4,322 |
| Premises and equipment expense | $627,000 | 3,283 |
| Additional noninterest expense | $1,315,000 | 3,335 |
| Pre-tax net operating income | $1,003,000 | 5,198 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $201,000 | 5,104 |
| Income before extraordinary items | $819,000 | 5,134 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $819,000 | 5,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $556,000 | 1,537 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $805,400 | 5,044 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,403,000 | 3,857 |
| Total interest expense | $3,773,000 | 3,975 |
| Net interest income | $4,630,000 | 3,660 |
| Provision for loan and lease losses | $142,000 | 4,903 |
| Total noninterest income | $402,000 | 5,665 |
| Gross Fiduciary activities income | $20,000 | 1,302 |
| Service charges on deposit accounts | $287,000 | 4,267 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $95,000 | 6,539 |
| Total noninterest expense | $3,574,000 | 3,764 |
| Salaries and employee benefits | $1,595,000 | 4,310 |
| Premises and equipment expense | $661,000 | 3,099 |
| Additional noninterest expense | $1,318,000 | 3,218 |
| Pre-tax net operating income | $1,316,000 | 4,188 |
| Securities gains (losses) | $8,000 | 3,714 |
| Applicable income taxes | $304,000 | 4,234 |
| Income before extraordinary items | $1,020,000 | 4,227 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,020,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $700,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,013,840 | 4,132 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,521,000 | 3,925 |
| Total interest expense | $3,881,000 | 4,068 |
| Net interest income | $4,640,000 | 3,702 |
| Provision for loan and lease losses | $55,000 | 6,399 |
| Total noninterest income | $443,000 | 5,234 |
| Gross Fiduciary activities income | $29,000 | 1,117 |
| Service charges on deposit accounts | $287,000 | 4,181 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $127,000 | 5,869 |
| Total noninterest expense | $3,238,000 | 3,971 |
| Salaries and employee benefits | $1,474,000 | 4,423 |
| Premises and equipment expense | $580,000 | 3,363 |
| Additional noninterest expense | $1,184,000 | 3,474 |
| Pre-tax net operating income | $1,790,000 | 3,583 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $465,000 | 3,651 |
| Income before extraordinary items | $1,325,000 | 3,588 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,325,000 | 3,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,757 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,325,000 | 3,567 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,110,000 | 3,860 |
| Total interest expense | $3,676,000 | 3,862 |
| Net interest income | $4,434,000 | 3,837 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $390,000 | 5,701 |
| Gross Fiduciary activities income | $29,000 | 1,170 |
| Service charges on deposit accounts | $281,000 | 4,171 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $80,000 | 7,144 |
| Total noninterest expense | $3,038,000 | 4,165 |
| Salaries and employee benefits | $1,294,000 | 4,892 |
| Premises and equipment expense | $584,000 | 3,346 |
| Additional noninterest expense | $1,160,000 | 3,546 |
| Pre-tax net operating income | $1,786,000 | 3,637 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $460,000 | 3,802 |
| Income before extraordinary items | $1,328,000 | 3,579 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,328,000 | 3,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $1,225,000 | 1,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,326,520 | 3,546 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,271,000 | 3,827 |
| Total interest expense | $3,867,000 | 3,799 |
| Net interest income | $4,404,000 | 3,806 |
| Provision for loan and lease losses | $76,000 | 5,693 |
| Total noninterest income | $430,000 | 5,389 |
| Gross Fiduciary activities income | $31,000 | 1,181 |
| Service charges on deposit accounts | $300,000 | 3,945 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $99,000 | 6,659 |
| Total noninterest expense | $2,985,000 | 4,142 |
| Salaries and employee benefits | $1,250,000 | 4,914 |
| Premises and equipment expense | $635,000 | 3,009 |
| Additional noninterest expense | $1,100,000 | 3,624 |
| Pre-tax net operating income | $1,773,000 | 3,678 |
| Securities gains (losses) | $37,000 | 1,967 |
| Applicable income taxes | $468,000 | 4,019 |
| Income before extraordinary items | $1,342,000 | 3,576 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,342,000 | 3,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,973 |
| Cash dividends | $1,000,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,314,620 | 3,554 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,027,000 | 3,948 |
| Total interest expense | $3,728,000 | 3,930 |
| Net interest income | $4,299,000 | 3,974 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $474,000 | 5,173 |
| Gross Fiduciary activities income | $28,000 | 1,246 |
| Service charges on deposit accounts | $357,000 | 3,550 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $89,000 | 7,113 |
| Total noninterest expense | $2,902,000 | 4,209 |
| Salaries and employee benefits | $1,212,000 | 5,059 |
| Premises and equipment expense | $611,000 | 3,098 |
| Additional noninterest expense | $1,079,000 | 3,649 |
| Pre-tax net operating income | $1,796,000 | 3,872 |
| Securities gains (losses) | $-25,000 | 10,445 |
| Applicable income taxes | $463,000 | 4,445 |
| Income before extraordinary items | $1,308,000 | 3,778 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,308,000 | 3,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,342 |
| Cash dividends | $1,400,000 | 1,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,326,500 | 3,662 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,671,000 | 4,196 |
| Total interest expense | $3,437,000 | 4,259 |
| Net interest income | $4,234,000 | 4,101 |
| Provision for loan and lease losses | $46,000 | 6,787 |
| Total noninterest income | $450,000 | 5,540 |
| Gross Fiduciary activities income | $27,000 | 1,320 |
| Service charges on deposit accounts | $316,000 | 4,069 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $107,000 | 6,940 |
| Total noninterest expense | $2,840,000 | 4,493 |
| Salaries and employee benefits | $1,190,000 | 5,249 |
| Premises and equipment expense | $562,000 | 3,415 |
| Additional noninterest expense | $1,088,000 | 4,098 |
| Pre-tax net operating income | $1,798,000 | 3,731 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $465,000 | 4,391 |
| Income before extraordinary items | $1,340,000 | 3,534 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,340,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,511 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,334,820 | 3,499 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,834,000 | 4,088 |
| Total interest expense | $3,339,000 | 4,333 |
| Net interest income | $4,495,000 | 3,903 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $475,000 | 5,376 |
| Gross Fiduciary activities income | $33,000 | 1,352 |
| Service charges on deposit accounts | $318,000 | 4,084 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $124,000 | 6,546 |
| Total noninterest expense | $3,162,000 | 4,097 |
| Salaries and employee benefits | $1,293,000 | 4,881 |
| Premises and equipment expense | $617,000 | 3,140 |
| Additional noninterest expense | $1,252,000 | 3,612 |
| Pre-tax net operating income | $1,808,000 | 3,829 |
| Securities gains (losses) | $-20,000 | 10,553 |
| Applicable income taxes | $455,000 | 4,493 |
| Income before extraordinary items | $1,333,000 | 3,590 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,333,000 | 3,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $1,400,000 | 1,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,348,000 | 3,540 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,417,000 | 4,006 |
| Total interest expense | $2,828,000 | 4,174 |
| Net interest income | $4,589,000 | 3,851 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $625,000 | 4,521 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $343,000 | 3,908 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $282,000 | 4,274 |
| Total noninterest expense | $3,060,000 | 4,338 |
| Salaries and employee benefits | $1,211,000 | 5,200 |
| Premises and equipment expense | $615,000 | 3,197 |
| Additional noninterest expense | $1,234,000 | 3,958 |
| Pre-tax net operating income | $2,154,000 | 3,223 |
| Securities gains (losses) | $-229,000 | 11,999 |
| Applicable income taxes | $475,000 | 4,214 |
| Income before extraordinary items | $1,450,000 | 3,262 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,450,000 | 3,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $1,550,000 | 1,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,621,750 | 2,990 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,365,000 | 4,113 |
| Total interest expense | $2,774,000 | 4,410 |
| Net interest income | $4,591,000 | 3,857 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $576,000 | 5,094 |
| Gross Fiduciary activities income | $33,000 | 1,398 |
| Service charges on deposit accounts | $350,000 | 3,870 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $193,000 | 5,775 |
| Total noninterest expense | $3,033,000 | 4,465 |
| Salaries and employee benefits | $1,250,000 | 5,053 |
| Premises and equipment expense | $705,000 | 2,857 |
| Additional noninterest expense | $1,078,000 | 4,618 |
| Pre-tax net operating income | $2,134,000 | 3,110 |
| Securities gains (losses) | $172,000 | 1,847 |
| Applicable income taxes | $620,000 | 3,501 |
| Income before extraordinary items | $1,686,000 | 2,912 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,686,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $1,375,000 | 1,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,560,440 | 2,946 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,892,000 | 4,338 |
| Total interest expense | $3,282,000 | 4,800 |
| Net interest income | $4,610,000 | 3,916 |
| Provision for loan and lease losses | $220,000 | 4,962 |
| Total noninterest income | $777,000 | 4,054 |
| Gross Fiduciary activities income | $98,000 | 1,258 |
| Service charges on deposit accounts | $393,000 | 3,551 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $286,000 | 4,566 |
| Total noninterest expense | $3,124,000 | 4,357 |
| Salaries and employee benefits | $1,431,000 | 4,408 |
| Premises and equipment expense | $596,000 | 3,381 |
| Additional noninterest expense | $1,097,000 | 4,695 |
| Pre-tax net operating income | $2,043,000 | 3,046 |
| Securities gains (losses) | $262,000 | 1,664 |
| Applicable income taxes | $618,000 | 3,350 |
| Income before extraordinary items | $1,687,000 | 2,733 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,687,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 7,638 |
| Cash dividends | $1,750,000 | 962 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,495,740 | 2,856 |
* 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.