Home > Bankers Savings Bank > Income and Expense
Bankers Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,687,000 | 6,053 |
| Total interest expense | $3,164,000 | 4,495 |
| Net interest income | $1,523,000 | 7,929 |
| Provision for loan and lease losses | $101,000 | 5,125 |
| Total noninterest income | $732,000 | 3,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $732,000 | 2,164 |
| Total noninterest expense | $2,577,000 | 4,671 |
| Salaries and employee benefits | $1,541,000 | 4,165 |
| Premises and equipment expense | $608,000 | 3,110 |
| Additional noninterest expense | $428,000 | 7,122 |
| Pre-tax net operating income | $-423,000 | 10,708 |
| Securities gains (losses) | $579,000 | 395 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $156,000 | 9,528 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $156,000 | 9,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-423,000 | 10,711 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,348,000 | 6,535 |
| Total interest expense | $2,913,000 | 4,917 |
| Net interest income | $1,435,000 | 8,422 |
| Provision for loan and lease losses | $234,000 | 3,091 |
| Total noninterest income | $668,000 | 4,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $668,000 | 2,383 |
| Total noninterest expense | $3,214,000 | 4,079 |
| Salaries and employee benefits | $1,603,000 | 4,061 |
| Premises and equipment expense | $602,000 | 3,201 |
| Additional noninterest expense | $1,009,000 | 4,378 |
| Pre-tax net operating income | $-1,345,000 | 11,374 |
| Securities gains (losses) | $558,000 | 391 |
| Applicable income taxes | $-53,000 | 11,079 |
| Income before extraordinary items | $-734,000 | 11,320 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-734,000 | 11,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,758 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-1,252,940 | 11,368 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,142,000 | 5,865 |
| Total interest expense | $3,656,000 | 3,996 |
| Net interest income | $1,486,000 | 8,570 |
| Provision for loan and lease losses | $222,000 | 2,832 |
| Total noninterest income | $490,000 | 5,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $490,000 | 2,916 |
| Total noninterest expense | $2,763,000 | 4,577 |
| Salaries and employee benefits | $1,566,000 | 4,131 |
| Premises and equipment expense | $669,000 | 2,924 |
| Additional noninterest expense | $528,000 | 7,049 |
| Pre-tax net operating income | $-1,009,000 | 11,876 |
| Securities gains (losses) | $167,000 | 745 |
| Applicable income taxes | $-286,000 | 11,831 |
| Income before extraordinary items | $-556,000 | 11,810 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-556,000 | 11,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-666,220 | 11,816 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,130,000 | 5,557 |
| Total interest expense | $3,013,000 | 3,944 |
| Net interest income | $2,117,000 | 7,279 |
| Provision for loan and lease losses | $-132,000 | 12,236 |
| Total noninterest income | $853,000 | 3,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $853,000 | 2,053 |
| Total noninterest expense | $3,512,000 | 3,837 |
| Salaries and employee benefits | $2,050,000 | 3,214 |
| Premises and equipment expense | $885,000 | 2,279 |
| Additional noninterest expense | $577,000 | 7,202 |
| Pre-tax net operating income | $-410,000 | 12,351 |
| Securities gains (losses) | $599,000 | 242 |
| Applicable income taxes | $-20,000 | 12,127 |
| Income before extraordinary items | $209,000 | 10,175 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $209,000 | 10,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 12,000 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-390,000 | 12,324 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,784,000 | 7,138 |
| Total interest expense | $1,916,000 | 6,054 |
| Net interest income | $1,868,000 | 8,045 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $655,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $655,000 | 2,714 |
| Total noninterest expense | $3,053,000 | 4,440 |
| Salaries and employee benefits | $1,966,000 | 3,345 |
| Premises and equipment expense | $633,000 | 3,159 |
| Additional noninterest expense | $454,000 | 8,683 |
| Pre-tax net operating income | $-610,000 | 12,889 |
| Securities gains (losses) | $948,000 | 559 |
| Applicable income taxes | $136,000 | 8,950 |
| Income before extraordinary items | $202,000 | 10,630 |
| Extraordinary gains, net | $54,000 | 2,110 |
| Net income | $256,000 | 10,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-404,720 | 12,802 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,509,000 | 8,171 |
| Total interest expense | $1,923,000 | 7,292 |
| Net interest income | $1,586,000 | 8,994 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $477,000 | 5,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $477,000 | 3,280 |
| Total noninterest expense | $2,135,000 | 6,075 |
| Salaries and employee benefits | $1,230,000 | 5,047 |
| Premises and equipment expense | $588,000 | 3,423 |
| Additional noninterest expense | $317,000 | 10,589 |
| Pre-tax net operating income | $-132,000 | 12,998 |
| Securities gains (losses) | $1,237,000 | 557 |
| Applicable income taxes | $401,000 | 4,787 |
| Income before extraordinary items | $704,000 | 5,891 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $704,000 | 5,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $473,000 | 576 |
| Net operating income | $-87,680 | 12,889 |
* 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.