Home > Northbay Savings Bank, FSB > Income and Expense
Northbay Savings Bank, FSB, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $27,862,000 | 1,231 |
| Total interest expense | $16,830,000 | 1,009 |
| Net interest income | $11,032,000 | 1,630 |
| Provision for loan and lease losses | $360,000 | 2,012 |
| Total noninterest income | $1,033,000 | 3,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,033,000 | 1,766 |
| Total noninterest expense | $8,946,000 | 1,590 |
| Salaries and employee benefits | $4,232,000 | 1,573 |
| Premises and equipment expense | $1,666,000 | 1,251 |
| Additional noninterest expense | $3,048,000 | 1,677 |
| Pre-tax net operating income | $2,759,000 | 2,612 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $971,000 | 2,449 |
| Income before extraordinary items | $1,788,000 | 2,764 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,788,000 | 2,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,409 |
| Cash dividends | $1,200,000 | 1,763 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,788,000 | 2,727 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $24,184,000 | 1,299 |
| Total interest expense | $10,926,000 | 1,199 |
| Net interest income | $13,258,000 | 1,354 |
| Provision for loan and lease losses | $592,000 | 1,363 |
| Total noninterest income | $703,000 | 4,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $703,000 | 2,328 |
| Total noninterest expense | $9,235,000 | 1,590 |
| Salaries and employee benefits | $4,409,000 | 1,520 |
| Premises and equipment expense | $1,673,000 | 1,247 |
| Additional noninterest expense | $3,153,000 | 1,728 |
| Pre-tax net operating income | $4,134,000 | 1,715 |
| Securities gains (losses) | $447,000 | 293 |
| Applicable income taxes | $1,723,000 | 1,366 |
| Income before extraordinary items | $2,858,000 | 1,721 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,858,000 | 1,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $536,000 | 1,314 |
| Cash dividends | $1,200,000 | 1,639 |
| Sale, conversion, retirement of capital stock, net | $3,691,000 | 213 |
| Net operating income | $2,571,920 | 1,892 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $23,281,000 | 1,372 |
| Total interest expense | $9,167,000 | 1,460 |
| Net interest income | $14,114,000 | 1,276 |
| Provision for loan and lease losses | $680,000 | 1,698 |
| Total noninterest income | $861,000 | 3,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $861,000 | 2,270 |
| Total noninterest expense | $8,979,000 | 1,691 |
| Salaries and employee benefits | $4,163,000 | 1,614 |
| Premises and equipment expense | $1,596,000 | 1,336 |
| Additional noninterest expense | $3,220,000 | 1,810 |
| Pre-tax net operating income | $5,316,000 | 1,313 |
| Securities gains (losses) | $789,000 | 639 |
| Applicable income taxes | $2,459,000 | 1,021 |
| Income before extraordinary items | $3,646,000 | 1,397 |
| Extraordinary gains, net | $220,000 | 947 |
| Net income | $3,866,000 | 1,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 2,350 |
| Cash dividends | $860,000 | 2,015 |
| Sale, conversion, retirement of capital stock, net | $3,721,000 | 241 |
| Net operating income | $3,141,040 | 1,527 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $25,584,000 | 1,431 |
| Total interest expense | $11,286,000 | 1,551 |
| Net interest income | $14,298,000 | 1,302 |
| Provision for loan and lease losses | $648,000 | 2,498 |
| Total noninterest income | $1,481,000 | 2,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,481,000 | 1,539 |
| Total noninterest expense | $8,338,000 | 1,820 |
| Salaries and employee benefits | $3,668,000 | 1,809 |
| Premises and equipment expense | $1,271,000 | 1,669 |
| Additional noninterest expense | $3,399,000 | 1,793 |
| Pre-tax net operating income | $6,793,000 | 959 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $3,120,000 | 745 |
| Income before extraordinary items | $3,673,000 | 1,269 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,673,000 | 1,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 6,938 |
| Cash dividends | $550,000 | 2,567 |
| Sale, conversion, retirement of capital stock, net | $4,285,000 | 189 |
| Net operating income | $3,673,000 | 1,175 |
* 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.