Home > Capital Savings Bank, F.S.B. > Income and Expense
Capital Savings Bank, F.S.B., Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,036,000 | 1,834 |
| Total interest expense | $10,668,000 | 1,463 |
| Net interest income | $7,368,000 | 2,373 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,569,000 | 2,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,569,000 | 1,286 |
| Total noninterest expense | $4,978,000 | 2,576 |
| Salaries and employee benefits | $2,453,000 | 2,700 |
| Premises and equipment expense | $977,000 | 2,031 |
| Additional noninterest expense | $1,548,000 | 2,656 |
| Pre-tax net operating income | $3,839,000 | 1,953 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,513,000 | 1,696 |
| Income before extraordinary items | $2,326,000 | 2,262 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,326,000 | 2,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $607,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,326,000 | 2,200 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,201,000 | 2,084 |
| Total interest expense | $9,582,000 | 1,653 |
| Net interest income | $6,619,000 | 2,674 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $1,078,000 | 2,947 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,078,000 | 1,719 |
| Total noninterest expense | $5,390,000 | 2,531 |
| Salaries and employee benefits | $2,005,000 | 3,326 |
| Premises and equipment expense | $813,000 | 2,413 |
| Additional noninterest expense | $2,572,000 | 1,962 |
| Pre-tax net operating income | $2,187,000 | 3,179 |
| Securities gains (losses) | $15,000 | 2,201 |
| Applicable income taxes | $836,000 | 2,737 |
| Income before extraordinary items | $1,366,000 | 3,481 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,366,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,356,400 | 3,456 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,721,000 | 2,435 |
| Total interest expense | $7,756,000 | 2,013 |
| Net interest income | $5,965,000 | 2,989 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $872,000 | 3,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $872,000 | 1,982 |
| Total noninterest expense | $3,696,000 | 3,559 |
| Salaries and employee benefits | $1,790,000 | 3,662 |
| Premises and equipment expense | $667,000 | 2,932 |
| Additional noninterest expense | $1,239,000 | 3,645 |
| Pre-tax net operating income | $3,021,000 | 2,417 |
| Securities gains (losses) | $-37,000 | 10,982 |
| Applicable income taxes | $1,099,000 | 2,189 |
| Income before extraordinary items | $1,885,000 | 2,636 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,885,000 | 2,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,908,680 | 2,586 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,225,000 | 2,706 |
| Total interest expense | $5,740,000 | 2,175 |
| Net interest income | $5,485,000 | 3,264 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $698,000 | 4,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $698,000 | 2,337 |
| Total noninterest expense | $3,511,000 | 3,839 |
| Salaries and employee benefits | $1,798,000 | 3,618 |
| Premises and equipment expense | $628,000 | 3,138 |
| Additional noninterest expense | $1,085,000 | 4,404 |
| Pre-tax net operating income | $2,662,000 | 2,668 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $900,000 | 2,482 |
| Income before extraordinary items | $1,762,000 | 2,748 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,762,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $155,000 | 730 |
| Net operating income | $1,762,000 | 2,767 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,764,000 | 2,622 |
| Total interest expense | $6,258,000 | 2,068 |
| Net interest income | $5,506,000 | 3,265 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $1,405,000 | 2,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,405,000 | 1,632 |
| Total noninterest expense | $3,581,000 | 3,836 |
| Salaries and employee benefits | $1,694,000 | 3,836 |
| Premises and equipment expense | $648,000 | 3,094 |
| Additional noninterest expense | $1,239,000 | 4,082 |
| Pre-tax net operating income | $3,300,000 | 2,061 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $1,081,000 | 2,098 |
| Income before extraordinary items | $2,236,000 | 2,238 |
| Extraordinary gains, net | $-32,000 | 12,575 |
| Net income | $2,204,000 | 2,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $4,685,000 | 207 |
| Net operating income | $2,224,610 | 2,115 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,603,000 | 2,593 |
| Total interest expense | $8,316,000 | 2,053 |
| Net interest income | $5,287,000 | 3,445 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $882,000 | 3,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $882,000 | 2,170 |
| Total noninterest expense | $3,793,000 | 3,666 |
| Salaries and employee benefits | $1,538,000 | 4,137 |
| Premises and equipment expense | $560,000 | 3,593 |
| Additional noninterest expense | $1,695,000 | 3,221 |
| Pre-tax net operating income | $2,376,000 | 2,624 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $624,000 | 3,320 |
| Income before extraordinary items | $1,752,000 | 2,627 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,752,000 | 2,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,752,000 | 2,431 |
* 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.