Home > Beneficial Savings Bank, F.S.B. > Income and Expense
Beneficial Savings Bank, F.S.B., Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,331,000 | 7,373 |
| Total interest expense | $1,211,000 | 8,081 |
| Net interest income | $2,120,000 | 6,680 |
| Provision for loan and lease losses | $153,000 | 4,084 |
| Total noninterest income | $238,000 | 7,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $238,000 | 4,505 |
| Total noninterest expense | $1,787,000 | 6,093 |
| Salaries and employee benefits | $950,000 | 6,052 |
| Premises and equipment expense | $594,000 | 3,184 |
| Additional noninterest expense | $243,000 | 8,929 |
| Pre-tax net operating income | $418,000 | 8,345 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $162,000 | 7,431 |
| Income before extraordinary items | $256,000 | 8,699 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $256,000 | 8,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,116 |
| Cash dividends | $253,000 | 4,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $256,000 | 8,658 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,473,000 | 7,435 |
| Total interest expense | $1,184,000 | 8,424 |
| Net interest income | $2,289,000 | 6,574 |
| Provision for loan and lease losses | $131,000 | 4,409 |
| Total noninterest income | $237,000 | 7,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $237,000 | 4,689 |
| Total noninterest expense | $1,578,000 | 6,897 |
| Salaries and employee benefits | $778,000 | 7,097 |
| Premises and equipment expense | $613,000 | 3,139 |
| Additional noninterest expense | $187,000 | 10,089 |
| Pre-tax net operating income | $817,000 | 6,444 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $310,000 | 5,727 |
| Income before extraordinary items | $507,000 | 6,854 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $507,000 | 6,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,848 |
| Cash dividends | $334,000 | 4,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $507,000 | 6,792 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 6,891 |
| Total interest expense | $1,633,000 | 7,321 |
| Net interest income | $2,459,000 | 6,377 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $364,000 | 6,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $364,000 | 3,514 |
| Total noninterest expense | $1,607,000 | 6,960 |
| Salaries and employee benefits | $729,000 | 7,541 |
| Premises and equipment expense | $602,000 | 3,201 |
| Additional noninterest expense | $276,000 | 9,533 |
| Pre-tax net operating income | $1,096,000 | 5,612 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $420,000 | 4,777 |
| Income before extraordinary items | $676,000 | 6,142 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $676,000 | 6,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,500 |
| Cash dividends | $342,000 | 4,248 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $676,000 | 6,119 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,992,000 | 6,702 |
| Total interest expense | $1,241,000 | 7,747 |
| Net interest income | $2,751,000 | 6,000 |
| Provision for loan and lease losses | $96,000 | 4,659 |
| Total noninterest income | $289,000 | 7,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $289,000 | 4,192 |
| Total noninterest expense | $1,832,000 | 6,613 |
| Salaries and employee benefits | $766,000 | 7,414 |
| Premises and equipment expense | $614,000 | 3,203 |
| Additional noninterest expense | $452,000 | 8,294 |
| Pre-tax net operating income | $1,112,000 | 5,529 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $419,000 | 4,595 |
| Income before extraordinary items | $693,000 | 5,962 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $693,000 | 5,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,986 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $693,000 | 6,020 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,134,000 | 6,715 |
| Total interest expense | $1,354,000 | 7,697 |
| Net interest income | $2,780,000 | 6,010 |
| Provision for loan and lease losses | $137,000 | 4,886 |
| Total noninterest income | $259,000 | 8,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $259,000 | 4,909 |
| Total noninterest expense | $1,741,000 | 7,069 |
| Salaries and employee benefits | $724,000 | 7,834 |
| Premises and equipment expense | $674,000 | 2,989 |
| Additional noninterest expense | $343,000 | 9,921 |
| Pre-tax net operating income | $1,161,000 | 5,297 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $415,000 | 4,873 |
| Income before extraordinary items | $746,000 | 5,850 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $746,000 | 6,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 3,099 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $746,000 | 5,595 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,366,000 | 4,615 |
| Total interest expense | $3,067,000 | 5,063 |
| Net interest income | $4,299,000 | 4,179 |
| Provision for loan and lease losses | $96,000 | 7,391 |
| Total noninterest income | $1,708,000 | 2,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,708,000 | 1,392 |
| Total noninterest expense | $3,212,000 | 4,253 |
| Salaries and employee benefits | $1,349,000 | 4,667 |
| Premises and equipment expense | $982,000 | 2,123 |
| Additional noninterest expense | $881,000 | 5,624 |
| Pre-tax net operating income | $2,699,000 | 2,291 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,000,000 | 2,115 |
| Income before extraordinary items | $1,699,000 | 2,710 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,699,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,940,000 | 978 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-9,880,000 | 13,916 |
| Net operating income | $1,699,000 | 2,508 |
* 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.