Home > State National Bank > Income and Expense
State National Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,109,000 | 919 |
| Total interest expense | $6,993,000 | 1,629 |
| Net interest income | $26,116,000 | 725 |
| Provision for loan and lease losses | $1,195,000 | 1,145 |
| Total noninterest income | $7,983,000 | 727 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $4,251,000 | 379 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,732,000 | 863 |
| Total noninterest expense | $23,493,000 | 688 |
| Salaries and employee benefits | $10,543,000 | 770 |
| Premises and equipment expense | $4,286,000 | 534 |
| Additional noninterest expense | $8,664,000 | 621 |
| Pre-tax net operating income | $9,411,000 | 912 |
| Securities gains (losses) | $186,000 | 1,217 |
| Applicable income taxes | $2,908,000 | 953 |
| Income before extraordinary items | $6,689,000 | 935 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,689,000 | 934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $773,000 | 1,193 |
| Cash dividends | $3,000,000 | 917 |
| Sale, conversion, retirement of capital stock, net | $-292,000 | 9,281 |
| Net operating income | $6,558,800 | 911 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $40,502,000 | 845 |
| Total interest expense | $14,056,000 | 1,141 |
| Net interest income | $26,446,000 | 676 |
| Provision for loan and lease losses | $965,000 | 1,283 |
| Total noninterest income | $7,084,000 | 754 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $4,301,000 | 355 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,783,000 | 1,001 |
| Total noninterest expense | $24,000,000 | 660 |
| Salaries and employee benefits | $10,173,000 | 735 |
| Premises and equipment expense | $4,352,000 | 513 |
| Additional noninterest expense | $9,475,000 | 598 |
| Pre-tax net operating income | $8,565,000 | 891 |
| Securities gains (losses) | $8,000 | 3,714 |
| Applicable income taxes | $3,362,000 | 760 |
| Income before extraordinary items | $5,211,000 | 1,054 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,211,000 | 1,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,692,000 | 642 |
| Cash dividends | $5,000,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,205,880 | 1,014 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $38,656,000 | 915 |
| Total interest expense | $14,724,000 | 1,178 |
| Net interest income | $23,932,000 | 742 |
| Provision for loan and lease losses | $905,000 | 1,155 |
| Total noninterest income | $4,671,000 | 974 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $3,585,000 | 379 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,086,000 | 1,766 |
| Total noninterest expense | $23,227,000 | 675 |
| Salaries and employee benefits | $9,444,000 | 746 |
| Premises and equipment expense | $4,420,000 | 508 |
| Additional noninterest expense | $9,363,000 | 611 |
| Pre-tax net operating income | $4,471,000 | 1,639 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,798,000 | 1,285 |
| Income before extraordinary items | $2,673,000 | 1,951 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,673,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,413,000 | 590 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,673,000 | 1,951 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $33,152,000 | 995 |
| Total interest expense | $12,471,000 | 1,219 |
| Net interest income | $20,681,000 | 856 |
| Provision for loan and lease losses | $681,000 | 1,350 |
| Total noninterest income | $4,177,000 | 1,056 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,192,000 | 433 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $985,000 | 1,895 |
| Total noninterest expense | $23,184,000 | 679 |
| Salaries and employee benefits | $9,050,000 | 771 |
| Premises and equipment expense | $4,266,000 | 534 |
| Additional noninterest expense | $9,868,000 | 615 |
| Pre-tax net operating income | $993,000 | 5,331 |
| Securities gains (losses) | $-84,000 | 9,921 |
| Applicable income taxes | $478,000 | 3,724 |
| Income before extraordinary items | $431,000 | 6,814 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $431,000 | 6,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,438 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $484,760 | 6,512 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,178,000 | 2,150 |
| Total interest expense | $7,092,000 | 2,139 |
| Net interest income | $8,086,000 | 2,108 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,568,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $913,000 | 1,378 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $655,000 | 2,498 |
| Total noninterest expense | $5,801,000 | 2,259 |
| Salaries and employee benefits | $2,787,000 | 2,425 |
| Premises and equipment expense | $1,164,000 | 1,696 |
| Additional noninterest expense | $1,850,000 | 2,262 |
| Pre-tax net operating income | $3,733,000 | 1,949 |
| Securities gains (losses) | $18,000 | 2,506 |
| Applicable income taxes | $1,172,000 | 2,039 |
| Income before extraordinary items | $2,579,000 | 2,028 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,579,000 | 2,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,926 |
| Cash dividends | $2,360,000 | 1,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,566,580 | 1,957 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,683,000 | 2,223 |
| Total interest expense | $6,883,000 | 2,197 |
| Net interest income | $7,800,000 | 2,260 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,552,000 | 2,136 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $982,000 | 1,312 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $570,000 | 2,585 |
| Total noninterest expense | $5,729,000 | 2,253 |
| Salaries and employee benefits | $2,612,000 | 2,533 |
| Premises and equipment expense | $1,151,000 | 1,701 |
| Additional noninterest expense | $1,966,000 | 2,123 |
| Pre-tax net operating income | $3,503,000 | 2,149 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,150,000 | 2,170 |
| Income before extraordinary items | $2,353,000 | 2,237 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,353,000 | 2,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 10,540 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,353,000 | 2,179 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,394,000 | 2,903 |
| Total interest expense | $5,167,000 | 2,907 |
| Net interest income | $6,227,000 | 2,850 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $1,299,000 | 2,541 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $908,000 | 1,477 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $391,000 | 3,450 |
| Total noninterest expense | $4,783,000 | 2,856 |
| Salaries and employee benefits | $2,304,000 | 2,900 |
| Premises and equipment expense | $910,000 | 2,185 |
| Additional noninterest expense | $1,569,000 | 3,006 |
| Pre-tax net operating income | $2,623,000 | 2,664 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $837,000 | 2,735 |
| Income before extraordinary items | $1,787,000 | 2,719 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,787,000 | 2,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 10,811 |
| Cash dividends | $1,639,000 | 1,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,786,320 | 2,672 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,780,000 | 3,075 |
| Total interest expense | $4,646,000 | 3,225 |
| Net interest income | $6,134,000 | 2,898 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $1,214,000 | 2,693 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $865,000 | 1,566 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $349,000 | 3,620 |
| Total noninterest expense | $4,910,000 | 2,766 |
| Salaries and employee benefits | $2,204,000 | 3,019 |
| Premises and equipment expense | $865,000 | 2,316 |
| Additional noninterest expense | $1,841,000 | 2,591 |
| Pre-tax net operating income | $2,318,000 | 3,056 |
| Securities gains (losses) | $47,000 | 1,345 |
| Applicable income taxes | $787,000 | 2,912 |
| Income before extraordinary items | $1,578,000 | 3,099 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,578,000 | 3,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $1,402,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,546,510 | 3,136 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,796,000 | 3,412 |
| Total interest expense | $3,073,000 | 3,876 |
| Net interest income | $5,723,000 | 3,133 |
| Provision for loan and lease losses | $200,000 | 3,000 |
| Total noninterest income | $1,233,000 | 2,685 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $874,000 | 1,551 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $359,000 | 3,660 |
| Total noninterest expense | $4,785,000 | 2,881 |
| Salaries and employee benefits | $2,101,000 | 3,135 |
| Premises and equipment expense | $836,000 | 2,422 |
| Additional noninterest expense | $1,848,000 | 2,759 |
| Pre-tax net operating income | $1,971,000 | 3,472 |
| Securities gains (losses) | $60,000 | 1,045 |
| Applicable income taxes | $684,000 | 3,147 |
| Income before extraordinary items | $1,347,000 | 3,487 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,347,000 | 3,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,717 |
| Cash dividends | $519,000 | 3,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,307,400 | 3,613 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,223,000 | 3,716 |
| Total interest expense | $2,888,000 | 4,259 |
| Net interest income | $5,335,000 | 3,360 |
| Provision for loan and lease losses | $285,000 | 3,115 |
| Total noninterest income | $1,231,000 | 2,852 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $902,000 | 1,507 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $329,000 | 4,242 |
| Total noninterest expense | $5,051,000 | 2,838 |
| Salaries and employee benefits | $2,053,000 | 3,203 |
| Premises and equipment expense | $826,000 | 2,478 |
| Additional noninterest expense | $2,172,000 | 2,548 |
| Pre-tax net operating income | $1,230,000 | 5,098 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $185,000 | 7,907 |
| Income before extraordinary items | $1,045,000 | 4,533 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,045,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 5,154 |
| Cash dividends | $345,000 | 4,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,045,000 | 4,291 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,052,000 | 3,837 |
| Total interest expense | $3,771,000 | 4,276 |
| Net interest income | $5,281,000 | 3,451 |
| Provision for loan and lease losses | $314,000 | 4,015 |
| Total noninterest income | $1,247,000 | 2,784 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $934,000 | 1,437 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $313,000 | 4,318 |
| Total noninterest expense | $4,348,000 | 3,263 |
| Salaries and employee benefits | $1,594,000 | 4,001 |
| Premises and equipment expense | $534,000 | 3,755 |
| Additional noninterest expense | $2,220,000 | 2,566 |
| Pre-tax net operating income | $1,866,000 | 3,318 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $419,000 | 4,617 |
| Income before extraordinary items | $1,460,000 | 3,160 |
| Extraordinary gains, net | $433,000 | 230 |
| Net income | $1,893,000 | 2,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $900,000 | 1,668 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,449,860 | 2,945 |
* 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.