Home > BayBank FSB > Income and Expense
BayBank FSB, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,646,000 | 1,456 |
| Total interest expense | $11,490,000 | 1,414 |
| Net interest income | $12,156,000 | 1,481 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $1,311,000 | 2,527 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,311,000 | 1,494 |
| Total noninterest expense | $14,999,000 | 1,007 |
| Salaries and employee benefits | $3,311,000 | 2,001 |
| Premises and equipment expense | $2,132,000 | 1,006 |
| Additional noninterest expense | $9,556,000 | 712 |
| Pre-tax net operating income | $-1,682,000 | 11,915 |
| Securities gains (losses) | $174,000 | 726 |
| Applicable income taxes | $-137,000 | 11,746 |
| Income before extraordinary items | $-1,371,000 | 11,878 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-1,371,000 | 11,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-288,000 | 11,895 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-1,529,340 | 11,888 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $34,433,000 | 930 |
| Total interest expense | $15,406,000 | 883 |
| Net interest income | $19,027,000 | 973 |
| Provision for loan and lease losses | $1,600,000 | 668 |
| Total noninterest income | $3,407,000 | 1,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,407,000 | 812 |
| Total noninterest expense | $12,859,000 | 1,166 |
| Salaries and employee benefits | $7,135,000 | 959 |
| Premises and equipment expense | $2,125,000 | 1,005 |
| Additional noninterest expense | $3,599,000 | 1,543 |
| Pre-tax net operating income | $7,975,000 | 966 |
| Securities gains (losses) | $142,000 | 623 |
| Applicable income taxes | $2,062,000 | 1,182 |
| Income before extraordinary items | $6,055,000 | 858 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,055,000 | 858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,219,000 | 524 |
| Cash dividends | $3,124,000 | 782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,948,500 | 885 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $34,582,000 | 932 |
| Total interest expense | $16,697,000 | 854 |
| Net interest income | $17,885,000 | 1,026 |
| Provision for loan and lease losses | $1,950,000 | 831 |
| Total noninterest income | $3,128,000 | 1,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,128,000 | 934 |
| Total noninterest expense | $13,822,000 | 1,134 |
| Salaries and employee benefits | $6,794,000 | 1,005 |
| Premises and equipment expense | $2,137,000 | 1,022 |
| Additional noninterest expense | $4,891,000 | 1,296 |
| Pre-tax net operating income | $5,241,000 | 1,335 |
| Securities gains (losses) | $792,000 | 636 |
| Applicable income taxes | $1,334,000 | 1,746 |
| Income before extraordinary items | $4,699,000 | 1,106 |
| Extraordinary gains, net | $4,473,000 | 74 |
| Net income | $9,172,000 | 594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,659,000 | 610 |
| Cash dividends | $4,575,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,081,240 | 1,161 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $39,060,000 | 968 |
| Total interest expense | $22,322,000 | 834 |
| Net interest income | $16,738,000 | 1,114 |
| Provision for loan and lease losses | $2,600,000 | 939 |
| Total noninterest income | $2,409,000 | 1,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,409,000 | 1,106 |
| Total noninterest expense | $12,641,000 | 1,252 |
| Salaries and employee benefits | $5,965,000 | 1,123 |
| Premises and equipment expense | $2,096,000 | 1,073 |
| Additional noninterest expense | $4,580,000 | 1,436 |
| Pre-tax net operating income | $3,906,000 | 1,588 |
| Securities gains (losses) | $1,073,000 | 616 |
| Applicable income taxes | $1,614,000 | 1,365 |
| Income before extraordinary items | $3,365,000 | 1,382 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,365,000 | 1,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,448,000 | 572 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,635,360 | 1,604 |
* 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.