Home > The State National Bank of Heavener > Income and Expense
The State National Bank of Heavener, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,393,000 | 9,065 |
| Total interest expense | $691,000 | 8,881 |
| Net interest income | $702,000 | 9,116 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $157,000 | 7,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 6,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,272 |
| Total noninterest expense | $655,000 | 8,948 |
| Salaries and employee benefits | $302,000 | 9,246 |
| Premises and equipment expense | $80,000 | 8,783 |
| Additional noninterest expense | $273,000 | 8,166 |
| Pre-tax net operating income | $-146,000 | 9,289 |
| Securities gains (losses) | $61,000 | 675 |
| Applicable income taxes | $-45,000 | 9,473 |
| Income before extraordinary items | $-40,000 | 9,199 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-40,000 | 9,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,487 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-79,040 | 9,237 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 6,561 |
| Total interest expense | $1,968,000 | 6,058 |
| Net interest income | $1,790,000 | 7,024 |
| Provision for loan and lease losses | $96,000 | 5,335 |
| Total noninterest income | $327,000 | 6,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,290 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $1,706,000 | 6,287 |
| Salaries and employee benefits | $873,000 | 6,436 |
| Premises and equipment expense | $204,000 | 6,750 |
| Additional noninterest expense | $629,000 | 5,655 |
| Pre-tax net operating income | $315,000 | 8,010 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $100,000 | 6,919 |
| Income before extraordinary items | $222,000 | 8,136 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $222,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,819 |
| Cash dividends | $25,000 | 6,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $217,170 | 8,137 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,030,000 | 6,452 |
| Total interest expense | $2,211,000 | 5,817 |
| Net interest income | $1,819,000 | 7,010 |
| Provision for loan and lease losses | $468,000 | 1,822 |
| Total noninterest income | $279,000 | 6,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 4,749 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,189 |
| Total noninterest expense | $1,668,000 | 6,293 |
| Salaries and employee benefits | $866,000 | 6,374 |
| Premises and equipment expense | $188,000 | 6,902 |
| Additional noninterest expense | $614,000 | 5,659 |
| Pre-tax net operating income | $-38,000 | 9,853 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-80,000 | 10,194 |
| Income before extraordinary items | $42,000 | 9,661 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $42,000 | 9,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,635 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $42,000 | 9,601 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,928,000 | 6,724 |
| Total interest expense | $2,030,000 | 6,206 |
| Net interest income | $1,898,000 | 7,132 |
| Provision for loan and lease losses | $641,000 | 1,425 |
| Total noninterest income | $281,000 | 6,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 4,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $1,548,000 | 6,666 |
| Salaries and employee benefits | $852,000 | 6,529 |
| Premises and equipment expense | $149,000 | 7,823 |
| Additional noninterest expense | $547,000 | 6,143 |
| Pre-tax net operating income | $-10,000 | 10,399 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $-50,000 | 10,625 |
| Income before extraordinary items | $36,000 | 10,300 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $36,000 | 10,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,342 |
| Cash dividends | $111,000 | 6,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $38,560 | 10,261 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,742,000 | 7,112 |
| Total interest expense | $1,897,000 | 6,631 |
| Net interest income | $1,845,000 | 7,471 |
| Provision for loan and lease losses | $445,000 | 1,911 |
| Total noninterest income | $304,000 | 6,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $1,404,000 | 7,379 |
| Salaries and employee benefits | $771,000 | 7,135 |
| Premises and equipment expense | $138,000 | 8,337 |
| Additional noninterest expense | $495,000 | 7,095 |
| Pre-tax net operating income | $300,000 | 9,134 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $62,000 | 9,472 |
| Income before extraordinary items | $239,000 | 8,920 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $239,000 | 8,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,931 |
| Cash dividends | $111,000 | 6,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $238,210 | 8,873 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,490,000 | 7,567 |
| Total interest expense | $1,608,000 | 7,393 |
| Net interest income | $1,882,000 | 7,574 |
| Provision for loan and lease losses | $18,000 | 7,795 |
| Total noninterest income | $375,000 | 6,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 4,153 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,656 |
| Total noninterest expense | $1,419,000 | 7,527 |
| Salaries and employee benefits | $789,000 | 7,166 |
| Premises and equipment expense | $139,000 | 8,553 |
| Additional noninterest expense | $491,000 | 7,329 |
| Pre-tax net operating income | $820,000 | 6,753 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $257,000 | 6,541 |
| Income before extraordinary items | $558,000 | 6,857 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $558,000 | 6,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,506 |
| Cash dividends | $108,000 | 6,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $561,400 | 6,817 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,968,000 | 8,105 |
| Total interest expense | $1,198,000 | 7,908 |
| Net interest income | $1,770,000 | 8,117 |
| Provision for loan and lease losses | $73,000 | 5,231 |
| Total noninterest income | $233,000 | 8,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,086 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $1,419,000 | 7,854 |
| Salaries and employee benefits | $757,000 | 7,473 |
| Premises and equipment expense | $123,000 | 9,301 |
| Additional noninterest expense | $539,000 | 7,526 |
| Pre-tax net operating income | $511,000 | 8,582 |
| Securities gains (losses) | $-10,000 | 9,836 |
| Applicable income taxes | $123,000 | 8,863 |
| Income before extraordinary items | $378,000 | 8,381 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $378,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,234 |
| Cash dividends | $96,000 | 7,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $385,500 | 8,364 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,001,000 | 8,333 |
| Total interest expense | $1,178,000 | 8,357 |
| Net interest income | $1,823,000 | 8,181 |
| Provision for loan and lease losses | $52,000 | 7,360 |
| Total noninterest income | $233,000 | 8,661 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,431 |
| Total noninterest expense | $1,249,000 | 8,706 |
| Salaries and employee benefits | $677,000 | 8,154 |
| Premises and equipment expense | $88,000 | 10,858 |
| Additional noninterest expense | $484,000 | 8,389 |
| Pre-tax net operating income | $755,000 | 7,062 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $218,000 | 7,290 |
| Income before extraordinary items | $537,000 | 7,254 |
| Extraordinary gains, net | $-9,000 | 12,296 |
| Net income | $528,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,954 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $537,000 | 6,995 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,218,000 | 8,611 |
| Total interest expense | $1,440,000 | 8,703 |
| Net interest income | $1,778,000 | 8,408 |
| Provision for loan and lease losses | $207,000 | 5,126 |
| Total noninterest income | $236,000 | 8,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $1,178,000 | 9,145 |
| Salaries and employee benefits | $586,000 | 8,934 |
| Premises and equipment expense | $124,000 | 9,888 |
| Additional noninterest expense | $468,000 | 8,781 |
| Pre-tax net operating income | $629,000 | 7,522 |
| Securities gains (losses) | $82,000 | 3,330 |
| Applicable income taxes | $208,000 | 7,402 |
| Income before extraordinary items | $503,000 | 7,308 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $503,000 | 7,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 4,097 |
| Cash dividends | $91,000 | 6,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $444,780 | 7,430 |
* 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.