Home > Bay Savings Bank FSB > Income and Expense
Bay Savings Bank FSB, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $22,771,000 | 1,397 |
| Total interest expense | $10,629,000 | 1,270 |
| Net interest income | $12,142,000 | 1,491 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $2,298,000 | 1,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,298,000 | 1,154 |
| Total noninterest expense | $11,807,000 | 1,302 |
| Salaries and employee benefits | $2,281,000 | 2,898 |
| Premises and equipment expense | $1,316,000 | 1,600 |
| Additional noninterest expense | $8,210,000 | 877 |
| Pre-tax net operating income | $2,633,000 | 2,591 |
| Securities gains (losses) | $195,000 | 1,730 |
| Applicable income taxes | $3,299,000 | 782 |
| Income before extraordinary items | $-471,000 | 12,885 |
| Extraordinary gains, net | $295,000 | 737 |
| Net income | $-176,000 | 12,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 5,605 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-595,800 | 12,870 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,889,000 | 1,778 |
| Total interest expense | $12,178,000 | 1,453 |
| Net interest income | $7,711,000 | 2,337 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,255,000 | 2,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,255,000 | 1,719 |
| Total noninterest expense | $4,165,000 | 3,379 |
| Salaries and employee benefits | $1,560,000 | 4,071 |
| Premises and equipment expense | $1,078,000 | 1,963 |
| Additional noninterest expense | $1,527,000 | 3,547 |
| Pre-tax net operating income | $4,801,000 | 1,327 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,591,000 | 1,380 |
| Income before extraordinary items | $3,210,000 | 1,452 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,210,000 | 1,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $10,800,000 | 197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,210,000 | 1,340 |
* 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.