Home > Black Diamond Savings Bank, FSB > Income and Expense
Black Diamond Savings Bank, FSB, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,313,000 | 3,129 |
| Total interest expense | $6,162,000 | 2,387 |
| Net interest income | $4,151,000 | 4,042 |
| Provision for loan and lease losses | $492,000 | 1,794 |
| Total noninterest income | $744,000 | 3,804 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $744,000 | 2,272 |
| Total noninterest expense | $3,210,000 | 3,987 |
| Salaries and employee benefits | $1,622,000 | 4,075 |
| Premises and equipment expense | $719,000 | 2,811 |
| Additional noninterest expense | $869,000 | 4,494 |
| Pre-tax net operating income | $1,193,000 | 4,781 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $429,000 | 3,982 |
| Income before extraordinary items | $764,000 | 5,217 |
| Extraordinary gains, net | $-260,000 | 10,209 |
| Net income | $504,000 | 6,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,094 |
| Cash dividends | $334,000 | 4,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $764,000 | 5,181 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,785,000 | 3,303 |
| Total interest expense | $5,900,000 | 2,565 |
| Net interest income | $3,885,000 | 4,222 |
| Provision for loan and lease losses | $82,000 | 5,540 |
| Total noninterest income | $704,000 | 3,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $704,000 | 2,379 |
| Total noninterest expense | $2,850,000 | 4,314 |
| Salaries and employee benefits | $1,484,000 | 4,283 |
| Premises and equipment expense | $707,000 | 2,744 |
| Additional noninterest expense | $659,000 | 5,393 |
| Pre-tax net operating income | $1,657,000 | 3,883 |
| Securities gains (losses) | $51,000 | 1,715 |
| Applicable income taxes | $533,000 | 3,691 |
| Income before extraordinary items | $1,175,000 | 3,995 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,175,000 | 3,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,524 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,139,810 | 4,000 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,270,000 | 3,488 |
| Total interest expense | $5,771,000 | 2,589 |
| Net interest income | $3,499,000 | 4,736 |
| Provision for loan and lease losses | $3,000 | 8,731 |
| Total noninterest income | $916,000 | 3,269 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $916,000 | 1,837 |
| Total noninterest expense | $2,867,000 | 4,256 |
| Salaries and employee benefits | $1,476,000 | 4,316 |
| Premises and equipment expense | $669,000 | 2,854 |
| Additional noninterest expense | $722,000 | 5,098 |
| Pre-tax net operating income | $1,545,000 | 4,383 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $508,000 | 4,170 |
| Income before extraordinary items | $1,040,000 | 4,558 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,040,000 | 4,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-135,000 | 10,766 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,037,990 | 4,506 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,499,000 | 3,430 |
| Total interest expense | $5,908,000 | 2,584 |
| Net interest income | $3,591,000 | 4,723 |
| Provision for loan and lease losses | $305,000 | 2,532 |
| Total noninterest income | $545,000 | 4,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $545,000 | 2,753 |
| Total noninterest expense | $3,372,000 | 3,916 |
| Salaries and employee benefits | $1,414,000 | 4,550 |
| Premises and equipment expense | $692,000 | 2,839 |
| Additional noninterest expense | $1,266,000 | 3,615 |
| Pre-tax net operating income | $459,000 | 8,170 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $105,000 | 8,669 |
| Income before extraordinary items | $352,000 | 7,990 |
| Extraordinary gains, net | $-107,000 | 11,436 |
| Net income | $245,000 | 8,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,833 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $353,540 | 7,915 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,754,000 | 3,705 |
| Total interest expense | $5,395,000 | 2,833 |
| Net interest income | $3,359,000 | 5,035 |
| Provision for loan and lease losses | $127,000 | 3,972 |
| Total noninterest income | $610,000 | 4,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $610,000 | 2,506 |
| Total noninterest expense | $2,473,000 | 5,044 |
| Salaries and employee benefits | $1,208,000 | 5,189 |
| Premises and equipment expense | $677,000 | 2,900 |
| Additional noninterest expense | $588,000 | 6,609 |
| Pre-tax net operating income | $1,369,000 | 4,779 |
| Securities gains (losses) | $-17,000 | 10,458 |
| Applicable income taxes | $449,000 | 4,533 |
| Income before extraordinary items | $903,000 | 4,979 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $903,000 | 4,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,931 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $914,390 | 4,925 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,174,000 | 4,127 |
| Total interest expense | $3,881,000 | 3,141 |
| Net interest income | $3,293,000 | 5,208 |
| Provision for loan and lease losses | $154,000 | 3,551 |
| Total noninterest income | $381,000 | 6,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-83,000 | 4,871 |
| Additional Noninterest Income | $464,000 | 3,096 |
| Total noninterest expense | $2,258,000 | 5,616 |
| Salaries and employee benefits | $1,089,000 | 5,684 |
| Premises and equipment expense | $669,000 | 2,944 |
| Additional noninterest expense | $500,000 | 7,854 |
| Pre-tax net operating income | $1,262,000 | 5,045 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $439,000 | 4,465 |
| Income before extraordinary items | $826,000 | 5,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $826,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,515 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $740,000 | 482 |
| Net operating income | $824,050 | 5,302 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,369,000 | 4,109 |
| Total interest expense | $3,812,000 | 3,304 |
| Net interest income | $3,557,000 | 4,888 |
| Provision for loan and lease losses | $418,000 | 2,393 |
| Total noninterest income | $450,000 | 5,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $33,000 | 351 |
| Additional Noninterest Income | $417,000 | 3,659 |
| Total noninterest expense | $2,467,000 | 5,338 |
| Salaries and employee benefits | $1,330,000 | 4,784 |
| Premises and equipment expense | $597,000 | 3,345 |
| Additional noninterest expense | $540,000 | 7,861 |
| Pre-tax net operating income | $1,122,000 | 5,442 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $395,000 | 5,055 |
| Income before extraordinary items | $734,000 | 5,913 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $734,000 | 6,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,789 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $749,000 | 526 |
| Net operating income | $728,800 | 5,671 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,960,000 | 4,304 |
| Total interest expense | $4,780,000 | 3,444 |
| Net interest income | $3,180,000 | 5,440 |
| Provision for loan and lease losses | $519,000 | 2,917 |
| Total noninterest income | $670,000 | 4,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $670,000 | 2,620 |
| Total noninterest expense | $2,369,000 | 5,549 |
| Salaries and employee benefits | $1,309,000 | 4,796 |
| Premises and equipment expense | $620,000 | 3,255 |
| Additional noninterest expense | $440,000 | 9,096 |
| Pre-tax net operating income | $962,000 | 5,797 |
| Securities gains (losses) | $96,000 | 3,079 |
| Applicable income taxes | $336,000 | 5,510 |
| Income before extraordinary items | $722,000 | 5,795 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $722,000 | 5,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 6,392 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 883 |
| Net operating income | $656,720 | 5,834 |
* 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.