Home > Benchmark Federal Savings Bank > Income and Expense
Benchmark Federal Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,723,000 | 6,732 |
| Total interest expense | $2,437,000 | 5,461 |
| Net interest income | $1,286,000 | 8,156 |
| Provision for loan and lease losses | $26,000 | 7,477 |
| Total noninterest income | $102,000 | 8,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $102,000 | 6,589 |
| Total noninterest expense | $1,216,000 | 7,502 |
| Salaries and employee benefits | $653,000 | 7,459 |
| Premises and equipment expense | $295,000 | 5,428 |
| Additional noninterest expense | $268,000 | 8,417 |
| Pre-tax net operating income | $146,000 | 9,188 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $38,000 | 8,546 |
| Income before extraordinary items | $108,000 | 9,290 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $108,000 | 9,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,026 |
| Cash dividends | $56,000 | 6,802 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 800 |
| Net operating income | $108,000 | 9,214 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,423,000 | 7,251 |
| Total interest expense | $2,190,000 | 5,897 |
| Net interest income | $1,233,000 | 8,617 |
| Provision for loan and lease losses | $3,000 | 8,731 |
| Total noninterest income | $174,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $174,000 | 5,301 |
| Total noninterest expense | $1,232,000 | 7,563 |
| Salaries and employee benefits | $690,000 | 7,373 |
| Premises and equipment expense | $313,000 | 5,314 |
| Additional noninterest expense | $229,000 | 9,081 |
| Pre-tax net operating income | $172,000 | 9,726 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $27,000 | 9,605 |
| Income before extraordinary items | $145,000 | 9,627 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $145,000 | 9,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,638 |
| Cash dividends | $53,000 | 7,140 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 773 |
| Net operating income | $145,000 | 9,581 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,330,000 | 7,577 |
| Total interest expense | $2,164,000 | 6,100 |
| Net interest income | $1,166,000 | 9,112 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $213,000 | 8,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $213,000 | 5,002 |
| Total noninterest expense | $1,549,000 | 6,976 |
| Salaries and employee benefits | $697,000 | 7,554 |
| Premises and equipment expense | $246,000 | 6,302 |
| Additional noninterest expense | $606,000 | 6,314 |
| Pre-tax net operating income | $-170,000 | 11,039 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-170,000 | 11,081 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-170,000 | 11,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,379 |
| Cash dividends | $52,000 | 7,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-170,000 | 11,040 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 8,127 |
| Total interest expense | $1,889,000 | 6,702 |
| Net interest income | $1,168,000 | 9,429 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $155,000 | 9,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $155,000 | 5,887 |
| Total noninterest expense | $1,205,000 | 8,189 |
| Salaries and employee benefits | $679,000 | 7,867 |
| Premises and equipment expense | $188,000 | 7,429 |
| Additional noninterest expense | $338,000 | 8,818 |
| Pre-tax net operating income | $109,000 | 11,034 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $25,000 | 10,670 |
| Income before extraordinary items | $84,000 | 11,068 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $84,000 | 11,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $51,000 | 7,725 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $84,000 | 11,044 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,877,000 | 8,278 |
| Total interest expense | $1,698,000 | 6,333 |
| Net interest income | $1,179,000 | 9,812 |
| Provision for loan and lease losses | $-11,000 | 11,773 |
| Total noninterest income | $139,000 | 9,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $1,171,000 | 8,722 |
| Salaries and employee benefits | $653,000 | 8,252 |
| Premises and equipment expense | $165,000 | 8,185 |
| Additional noninterest expense | $353,000 | 9,309 |
| Pre-tax net operating income | $158,000 | 11,202 |
| Securities gains (losses) | $-93,000 | 11,484 |
| Applicable income taxes | $11,000 | 11,350 |
| Income before extraordinary items | $54,000 | 11,776 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $54,000 | 11,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,022 |
| Net operating income | $131,190 | 11,099 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,979,000 | 8,372 |
| Total interest expense | $1,903,000 | 6,084 |
| Net interest income | $1,076,000 | 10,499 |
| Provision for loan and lease losses | $68,000 | 6,717 |
| Total noninterest income | $303,000 | 7,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $303,000 | 4,437 |
| Total noninterest expense | $1,140,000 | 9,159 |
| Salaries and employee benefits | $592,000 | 8,868 |
| Premises and equipment expense | $173,000 | 8,305 |
| Additional noninterest expense | $375,000 | 9,539 |
| Pre-tax net operating income | $171,000 | 11,309 |
| Securities gains (losses) | $43,000 | 3,630 |
| Applicable income taxes | $73,000 | 10,384 |
| Income before extraordinary items | $141,000 | 11,312 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $141,000 | 11,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,830 |
| Cash dividends | $51,000 | 7,904 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,090 |
| Net operating income | $112,620 | 11,473 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,484,000 | 8,209 |
| Total interest expense | $2,290,000 | 6,426 |
| Net interest income | $1,194,000 | 10,347 |
| Provision for loan and lease losses | $87,000 | 7,678 |
| Total noninterest income | $193,000 | 9,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $193,000 | 5,787 |
| Total noninterest expense | $1,068,000 | 9,677 |
| Salaries and employee benefits | $508,000 | 9,707 |
| Premises and equipment expense | $173,000 | 8,493 |
| Additional noninterest expense | $387,000 | 9,726 |
| Pre-tax net operating income | $232,000 | 10,777 |
| Securities gains (losses) | $53,000 | 4,016 |
| Applicable income taxes | $92,000 | 10,116 |
| Income before extraordinary items | $193,000 | 10,690 |
| Extraordinary gains, net | $-68,000 | 13,612 |
| Net income | $125,000 | 11,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 4,732 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,018 |
| Net operating income | $156,960 | 10,836 |
* 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.