Home > The Stockmans Bank of Harman > Income and Expense

The Stockmans Bank of Harman, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$798,000	9,777
Total interest expense	$297,000	9,804
Net interest income	$501,000	9,680
Provision for loan and lease losses	$27,000	7,365
Total noninterest income	$29,000	9,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	8,610
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	9,479
Total noninterest expense	$423,000	9,824
Salaries and employee benefits	$263,000	9,660
Premises and equipment expense	$52,000	9,602
Additional noninterest expense	$108,000	9,867
Pre-tax net operating income	$80,000	9,146
Securities gains (losses)	$0	3,155
Applicable income taxes	$18,000	8,260
Income before extraordinary items	$62,000	9,185
Extraordinary gains, net	$0	35
Net income	$62,000	9,182
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,628
Cash dividends	$20,000	6,929
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$62,000	9,154
1998-12-31 (YTD Data)		Rank
Total interest income	$838,000	9,993
Total interest expense	$315,000	10,032
Net interest income	$523,000	9,874
Provision for loan and lease losses	$25,000	7,503
Total noninterest income	$19,000	10,219
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$13,000	8,835
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	10,162
Total noninterest expense	$393,000	10,076
Salaries and employee benefits	$243,000	9,906
Premises and equipment expense	$45,000	9,930
Additional noninterest expense	$105,000	10,097
Pre-tax net operating income	$124,000	9,311
Securities gains (losses)	$0	4,449
Applicable income taxes	$30,000	8,700
Income before extraordinary items	$94,000	9,377
Extraordinary gains, net	$0	32
Net income	$94,000	9,378
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,759
Cash dividends	$8,000	7,396
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$94,000	9,314
1997-12-31 (YTD Data)		Rank
Total interest income	$808,000	10,469
Total interest expense	$272,000	10,562
Net interest income	$536,000	10,309
Provision for loan and lease losses	$20,000	7,880
Total noninterest income	$18,000	10,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	9,215
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	10,761
Total noninterest expense	$384,000	10,519
Salaries and employee benefits	$235,000	10,369
Premises and equipment expense	$45,000	10,318
Additional noninterest expense	$104,000	10,507
Pre-tax net operating income	$150,000	9,844
Securities gains (losses)	$0	3,944
Applicable income taxes	$45,000	9,331
Income before extraordinary items	$105,000	9,930
Extraordinary gains, net	$0	44
Net income	$105,000	9,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,261
Cash dividends	$7,000	7,790
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$105,000	9,888
1996-12-31 (YTD Data)		Rank
Total interest income	$777,000	11,042
Total interest expense	$273,000	11,124
Net interest income	$504,000	10,887
Provision for loan and lease losses	$22,000	7,876
Total noninterest income	$27,000	11,179
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	9,673
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,870
Total noninterest expense	$382,000	11,023
Salaries and employee benefits	$233,000	10,819
Premises and equipment expense	$55,000	10,490
Additional noninterest expense	$94,000	11,131
Pre-tax net operating income	$127,000	10,222
Securities gains (losses)	$0	4,148
Applicable income taxes	$35,000	9,947
Income before extraordinary items	$92,000	10,290
Extraordinary gains, net	$0	53
Net income	$92,000	10,289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,559
Cash dividends	$7,000	8,249
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$92,000	10,240
1995-12-31 (YTD Data)		Rank
Total interest income	$775,000	11,553
Total interest expense	$236,000	11,705
Net interest income	$539,000	11,309
Provision for loan and lease losses	$20,000	7,637
Total noninterest income	$35,000	11,581
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	10,148
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,706
Total noninterest expense	$420,000	11,365
Salaries and employee benefits	$235,000	11,267
Premises and equipment expense	$60,000	10,776
Additional noninterest expense	$125,000	11,377
Pre-tax net operating income	$134,000	10,882
Securities gains (losses)	$0	3,831
Applicable income taxes	$37,000	10,445
Income before extraordinary items	$97,000	10,955
Extraordinary gains, net	$0	65
Net income	$97,000	10,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,556
Cash dividends	$7,000	8,626
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$97,000	10,930
1994-12-31 (YTD Data)		Rank
Total interest income	$792,000	12,078
Total interest expense	$243,000	12,228
Net interest income	$549,000	11,861
Provision for loan and lease losses	$5,000	8,812
Total noninterest income	$26,000	12,324
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	10,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	11,845
Total noninterest expense	$417,000	11,964
Salaries and employee benefits	$245,000	11,710
Premises and equipment expense	$49,000	11,666
Additional noninterest expense	$123,000	12,092
Pre-tax net operating income	$153,000	11,244
Securities gains (losses)	$0	3,600
Applicable income taxes	$43,000	10,643
Income before extraordinary items	$110,000	11,284
Extraordinary gains, net	$0	249
Net income	$110,000	11,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,696
Cash dividends	$7,000	8,835
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$110,000	11,323
1993-12-31 (YTD Data)		Rank
Total interest income	$781,000	12,704
Total interest expense	$260,000	12,811
Net interest income	$521,000	12,495
Provision for loan and lease losses	$23,000	8,904
Total noninterest income	$34,000	12,881
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	11,075
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,255
Total noninterest expense	$411,000	12,601
Salaries and employee benefits	$229,000	12,384
Premises and equipment expense	$53,000	12,113
Additional noninterest expense	$129,000	12,671
Pre-tax net operating income	$121,000	11,708
Securities gains (losses)	$0	7,477
Applicable income taxes	$28,000	11,440
Income before extraordinary items	$93,000	11,860
Extraordinary gains, net	$0	3,149
Net income	$93,000	11,907
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$8,000	8,948
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$93,000	11,673
1992-12-31 (YTD Data)		Rank
Total interest income	$884,000	13,217
Total interest expense	$383,000	13,244
Net interest income	$501,000	13,078
Provision for loan and lease losses	$57,000	8,768
Total noninterest income	$24,000	13,630
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	11,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	13,358
Total noninterest expense	$387,000	13,229
Salaries and employee benefits	$208,000	13,070
Premises and equipment expense	$46,000	12,842
Additional noninterest expense	$133,000	13,171
Pre-tax net operating income	$81,000	12,187
Securities gains (losses)	$-3,000	12,949
Applicable income taxes	$18,000	12,166
Income before extraordinary items	$60,000	12,467
Extraordinary gains, net	$0	1,422
Net income	$60,000	12,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	8,164
Cash dividends	$8,000	8,762
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$62,310	12,158

* 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.