Home > Atlantic Savings Bank, F.S.B. > Income and Expense
Atlantic Savings Bank, F.S.B., Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,513,000 | 1,511 |
| Total interest expense | $9,266,000 | 741 |
| Net interest income | $5,247,000 | 2,776 |
| Provision for loan and lease losses | $107,000 | 4,561 |
| Total noninterest income | $2,316,000 | 1,692 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,316,000 | 1,114 |
| Total noninterest expense | $5,224,000 | 2,265 |
| Salaries and employee benefits | $2,815,000 | 2,257 |
| Premises and equipment expense | $865,000 | 1,977 |
| Additional noninterest expense | $1,544,000 | 2,324 |
| Pre-tax net operating income | $2,232,000 | 2,615 |
| Securities gains (losses) | $626,000 | 599 |
| Applicable income taxes | $1,087,000 | 1,731 |
| Income before extraordinary items | $1,771,000 | 2,600 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,771,000 | 2,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,889 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,370,360 | 3,021 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,183,000 | 1,442 |
| Total interest expense | $6,307,000 | 758 |
| Net interest income | $3,876,000 | 2,507 |
| Provision for loan and lease losses | $-2,000 | 9,071 |
| Total noninterest income | $1,816,000 | 1,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,816,000 | 976 |
| Total noninterest expense | $3,720,000 | 2,115 |
| Salaries and employee benefits | $2,054,000 | 2,068 |
| Premises and equipment expense | $616,000 | 1,856 |
| Additional noninterest expense | $1,050,000 | 2,262 |
| Pre-tax net operating income | $1,974,000 | 2,063 |
| Securities gains (losses) | $355,000 | 720 |
| Applicable income taxes | $887,000 | 1,497 |
| Income before extraordinary items | $1,442,000 | 2,181 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,442,000 | 2,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-148,000 | 9,176 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,214,800 | 2,394 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,295,000 | 1,389 |
| Total interest expense | $3,301,000 | 736 |
| Net interest income | $1,994,000 | 2,438 |
| Provision for loan and lease losses | $27,000 | 4,866 |
| Total noninterest income | $890,000 | 1,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $890,000 | 971 |
| Total noninterest expense | $1,846,000 | 2,123 |
| Salaries and employee benefits | $998,000 | 2,117 |
| Premises and equipment expense | $355,000 | 1,621 |
| Additional noninterest expense | $493,000 | 2,360 |
| Pre-tax net operating income | $1,011,000 | 2,019 |
| Securities gains (losses) | $178,000 | 704 |
| Applicable income taxes | $453,000 | 1,488 |
| Income before extraordinary items | $736,000 | 2,118 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $736,000 | 2,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,880 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $622,080 | 2,313 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,762,000 | 1,241 |
| Total interest expense | $17,519,000 | 643 |
| Net interest income | $7,243,000 | 2,634 |
| Provision for loan and lease losses | $-1,239,000 | 9,347 |
| Total noninterest income | $2,238,000 | 1,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,238,000 | 1,211 |
| Total noninterest expense | $6,651,000 | 2,240 |
| Salaries and employee benefits | $3,725,000 | 2,147 |
| Premises and equipment expense | $1,041,000 | 2,103 |
| Additional noninterest expense | $1,885,000 | 2,446 |
| Pre-tax net operating income | $4,069,000 | 1,964 |
| Securities gains (losses) | $837,000 | 478 |
| Applicable income taxes | $1,869,000 | 1,362 |
| Income before extraordinary items | $3,037,000 | 1,975 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,037,000 | 1,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,186 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,501,320 | 2,271 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $34,508,000 | 987 |
| Total interest expense | $25,641,000 | 655 |
| Net interest income | $8,867,000 | 2,013 |
| Provision for loan and lease losses | $78,000 | 6,034 |
| Total noninterest income | $2,557,000 | 1,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,557,000 | 1,055 |
| Total noninterest expense | $5,810,000 | 2,451 |
| Salaries and employee benefits | $3,423,000 | 2,188 |
| Premises and equipment expense | $1,084,000 | 1,971 |
| Additional noninterest expense | $1,303,000 | 3,247 |
| Pre-tax net operating income | $5,536,000 | 1,331 |
| Securities gains (losses) | $1,482,000 | 310 |
| Applicable income taxes | $2,700,000 | 910 |
| Income before extraordinary items | $4,318,000 | 1,256 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,318,000 | 1,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,369,520 | 1,504 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $34,554,000 | 1,031 |
| Total interest expense | $25,708,000 | 707 |
| Net interest income | $8,846,000 | 2,005 |
| Provision for loan and lease losses | $35,000 | 7,078 |
| Total noninterest income | $1,670,000 | 2,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,670,000 | 1,271 |
| Total noninterest expense | $5,360,000 | 2,541 |
| Salaries and employee benefits | $3,392,000 | 2,108 |
| Premises and equipment expense | $947,000 | 2,186 |
| Additional noninterest expense | $1,021,000 | 3,927 |
| Pre-tax net operating income | $5,121,000 | 1,443 |
| Securities gains (losses) | $98,000 | 572 |
| Applicable income taxes | $2,013,000 | 1,147 |
| Income before extraordinary items | $3,206,000 | 1,637 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,206,000 | 1,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,101 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,143,280 | 1,666 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $25,285,000 | 1,285 |
| Total interest expense | $17,213,000 | 911 |
| Net interest income | $8,072,000 | 2,174 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,898,000 | 1,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,898,000 | 1,196 |
| Total noninterest expense | $4,955,000 | 2,723 |
| Salaries and employee benefits | $3,039,000 | 2,310 |
| Premises and equipment expense | $959,000 | 2,130 |
| Additional noninterest expense | $957,000 | 4,158 |
| Pre-tax net operating income | $5,015,000 | 1,505 |
| Securities gains (losses) | $183,000 | 572 |
| Applicable income taxes | $2,020,000 | 1,221 |
| Income before extraordinary items | $3,178,000 | 1,681 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,178,000 | 1,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-129,000 | 10,080 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,060,880 | 1,709 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,504,000 | 1,317 |
| Total interest expense | $16,687,000 | 949 |
| Net interest income | $7,817,000 | 2,187 |
| Provision for loan and lease losses | $140,000 | 4,320 |
| Total noninterest income | $1,804,000 | 1,981 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,804,000 | 1,242 |
| Total noninterest expense | $4,715,000 | 2,754 |
| Salaries and employee benefits | $2,798,000 | 2,414 |
| Premises and equipment expense | $836,000 | 2,334 |
| Additional noninterest expense | $1,081,000 | 3,683 |
| Pre-tax net operating income | $4,766,000 | 1,549 |
| Securities gains (losses) | $82,000 | 1,406 |
| Applicable income taxes | $2,011,000 | 1,262 |
| Income before extraordinary items | $2,837,000 | 1,855 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,837,000 | 1,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,129 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,784,520 | 1,809 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,731,000 | 1,386 |
| Total interest expense | $15,897,000 | 1,029 |
| Net interest income | $7,834,000 | 2,242 |
| Provision for loan and lease losses | $220,000 | 3,234 |
| Total noninterest income | $1,524,000 | 2,169 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,524,000 | 1,310 |
| Total noninterest expense | $4,197,000 | 3,040 |
| Salaries and employee benefits | $2,373,000 | 2,788 |
| Premises and equipment expense | $788,000 | 2,455 |
| Additional noninterest expense | $1,036,000 | 3,772 |
| Pre-tax net operating income | $4,941,000 | 1,567 |
| Securities gains (losses) | $36,000 | 1,535 |
| Applicable income taxes | $1,853,000 | 1,417 |
| Income before extraordinary items | $3,124,000 | 1,709 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,124,000 | 1,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,100,960 | 1,678 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,491,000 | 1,636 |
| Total interest expense | $13,229,000 | 1,236 |
| Net interest income | $7,262,000 | 2,466 |
| Provision for loan and lease losses | $295,000 | 2,626 |
| Total noninterest income | $1,133,000 | 2,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,133,000 | 1,661 |
| Total noninterest expense | $4,578,000 | 2,968 |
| Salaries and employee benefits | $2,005,000 | 3,326 |
| Premises and equipment expense | $626,000 | 3,075 |
| Additional noninterest expense | $1,947,000 | 2,517 |
| Pre-tax net operating income | $3,522,000 | 2,044 |
| Securities gains (losses) | $34,000 | 1,599 |
| Applicable income taxes | $1,325,000 | 1,821 |
| Income before extraordinary items | $2,231,000 | 2,212 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,231,000 | 2,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,209,240 | 2,181 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,909,000 | 1,895 |
| Total interest expense | $11,282,000 | 1,444 |
| Net interest income | $6,627,000 | 2,686 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $2,224,000 | 1,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,224,000 | 1,064 |
| Total noninterest expense | $4,616,000 | 2,914 |
| Salaries and employee benefits | $1,728,000 | 3,776 |
| Premises and equipment expense | $656,000 | 2,982 |
| Additional noninterest expense | $2,232,000 | 2,203 |
| Pre-tax net operating income | $3,995,000 | 1,852 |
| Securities gains (losses) | $27,000 | 1,701 |
| Applicable income taxes | $1,489,000 | 1,653 |
| Income before extraordinary items | $2,533,000 | 1,986 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,533,000 | 1,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,435 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,515,720 | 1,983 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,370,000 | 2,285 |
| Total interest expense | $7,686,000 | 1,640 |
| Net interest income | $5,684,000 | 3,149 |
| Provision for loan and lease losses | $440,000 | 1,701 |
| Total noninterest income | $1,324,000 | 2,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,324,000 | 1,517 |
| Total noninterest expense | $3,428,000 | 3,923 |
| Salaries and employee benefits | $1,802,000 | 3,613 |
| Premises and equipment expense | $660,000 | 2,988 |
| Additional noninterest expense | $966,000 | 4,849 |
| Pre-tax net operating income | $3,140,000 | 2,255 |
| Securities gains (losses) | $121,000 | 698 |
| Applicable income taxes | $1,233,000 | 1,838 |
| Income before extraordinary items | $2,028,000 | 2,395 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,028,000 | 2,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $487,000 | 1,403 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 642 |
| Net operating income | $1,950,560 | 2,500 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,153,000 | 2,538 |
| Total interest expense | $6,069,000 | 2,143 |
| Net interest income | $6,084,000 | 2,985 |
| Provision for loan and lease losses | $318,000 | 2,879 |
| Total noninterest income | $2,897,000 | 1,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,897,000 | 983 |
| Total noninterest expense | $3,445,000 | 3,966 |
| Salaries and employee benefits | $1,729,000 | 3,762 |
| Premises and equipment expense | $641,000 | 3,125 |
| Additional noninterest expense | $1,075,000 | 4,628 |
| Pre-tax net operating income | $5,218,000 | 1,339 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,743,000 | 1,364 |
| Income before extraordinary items | $3,475,000 | 1,459 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,475,000 | 1,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 5,402 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 965 |
| Net operating income | $3,475,000 | 1,372 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,684,000 | 2,772 |
| Total interest expense | $6,469,000 | 2,607 |
| Net interest income | $6,215,000 | 2,928 |
| Provision for loan and lease losses | $705,000 | 2,359 |
| Total noninterest income | $2,110,000 | 1,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,110,000 | 1,198 |
| Total noninterest expense | $3,929,000 | 3,562 |
| Salaries and employee benefits | $1,690,000 | 3,788 |
| Premises and equipment expense | $591,000 | 3,412 |
| Additional noninterest expense | $1,648,000 | 3,320 |
| Pre-tax net operating income | $3,691,000 | 1,676 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,548,000 | 1,417 |
| Income before extraordinary items | $2,143,000 | 2,143 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,143,000 | 2,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 4,683 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $898,000 | 441 |
| Net operating income | $2,143,000 | 1,973 |
* 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.