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Carnegie Savings Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$1,884,0008,341
Total interest expense$1,071,0007,875
Net interest income$813,0008,639
Provision for loan and lease losses$7,0008,027
Total noninterest income$122,0008,206
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0177
Additional Noninterest Income$122,0005,970
Total noninterest expense$726,0008,617
Salaries and employee benefits$413,0008,564
Premises and equipment expense$147,0007,577
Additional noninterest expense$166,0008,934
Pre-tax net operating income$202,0007,872
Securities gains (losses)$31,0002,791
Applicable income taxes$71,0006,391
Income before extraordinary items$162,0007,953
Extraordinary gains, net$0105
Net income$162,0007,956
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,710
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$140,3007,980
2000-12-31 (YTD Data)Rank
Total interest income$1,973,0008,432
Total interest expense$1,186,0007,829
Net interest income$787,0008,928
Provision for loan and lease losses$69,0006,019
Total noninterest income$149,0007,905
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$149,0005,494
Total noninterest expense$771,0008,644
Salaries and employee benefits$410,0008,693
Premises and equipment expense$130,0007,919
Additional noninterest expense$231,0008,494
Pre-tax net operating income$96,0008,809
Securities gains (losses)$-266,0009,623
Applicable income taxes$-67,0009,529
Income before extraordinary items$-103,0009,273
Extraordinary gains, net$038
Net income$-103,0009,272
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,301
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$67,2408,876
1999-12-31 (YTD Data)Rank
Total interest income$1,813,0008,704
Total interest expense$1,011,0008,152
Net interest income$802,0009,064
Provision for loan and lease losses$65,0006,026
Total noninterest income$193,0007,575
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$193,0005,023
Total noninterest expense$714,0008,991
Salaries and employee benefits$396,0008,909
Premises and equipment expense$144,0007,771
Additional noninterest expense$174,0009,289
Pre-tax net operating income$216,0008,498
Securities gains (losses)$-22,0009,580
Applicable income taxes$70,0007,338
Income before extraordinary items$124,0008,811
Extraordinary gains, net$035
Net income$124,0008,808
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0006,980
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$138,0808,683
1998-12-31 (YTD Data)Rank
Total interest income$1,332,0009,497
Total interest expense$696,0009,203
Net interest income$636,0009,645
Provision for loan and lease losses$44,0006,827
Total noninterest income$18,00010,229
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$5,0008,960
Trading account gains and fees$0224
Additional Noninterest Income$13,0009,838
Total noninterest expense$670,0009,195
Salaries and employee benefits$383,0009,072
Premises and equipment expense$130,0008,067
Additional noninterest expense$157,0009,594
Pre-tax net operating income$-60,0009,881
Securities gains (losses)$-8,00010,162
Applicable income taxes$-27,00010,079
Income before extraordinary items$-41,0009,895
Extraordinary gains, net$032
Net income$-41,0009,894
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,450
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$1,060,000455
Net operating income$-35,8809,851
1997-12-31 (YTD Data)Rank
Total interest income$1,246,0009,996
Total interest expense$669,0009,630
Net interest income$577,00010,228
Provision for loan and lease losses$73,0005,838
Total noninterest income$36,00010,494
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$23,0009,059
Trading account gains and feesNANA
Additional Noninterest Income$13,00010,252
Total noninterest expense$649,0009,556
Salaries and employee benefits$259,00010,216
Premises and equipment expense$35,00010,527
Additional noninterest expense$355,0007,755
Pre-tax net operating income$-110,00010,495
Securities gains (losses)$2,0003,292
Applicable income taxes$-54,00010,633
Income before extraordinary items$-54,00010,473
Extraordinary gains, net$044
Net income$-54,00010,475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0009,638
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-55,28010,436
1996-12-31 (YTD Data)Rank
Total interest income$1,099,00010,676
Total interest expense$544,00010,461
Net interest income$555,00010,762
Provision for loan and lease losses$2,0008,964
Total noninterest income$87,00010,143
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$20,0009,580
Trading account gains and feesNANA
Additional Noninterest Income$67,0008,207
Total noninterest expense$502,00010,581
Salaries and employee benefits$231,00010,830
Premises and equipment expense$33,00011,075
Additional noninterest expense$238,0009,527
Pre-tax net operating income$138,00010,155
Securities gains (losses)$8,0002,673
Applicable income taxes$30,00010,034
Income before extraordinary items$116,00010,084
Extraordinary gains, net$053
Net income$116,00010,083
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,00010,018
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$109,68010,087
1995-12-31 (YTD Data)Rank
Total interest income$1,033,00011,223
Total interest expense$537,00010,894
Net interest income$496,00011,409
Provision for loan and lease losses$31,0007,042
Total noninterest income$87,00010,576
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$23,0009,934
Trading account gains and feesNANA
Additional Noninterest Income$64,0008,581
Total noninterest expense$459,00011,197
Salaries and employee benefits$237,00011,253
Premises and equipment expense$31,00011,596
Additional noninterest expense$191,00010,529
Pre-tax net operating income$93,00011,122
Securities gains (losses)$6,0002,714
Applicable income taxes$22,00010,722
Income before extraordinary items$77,00011,122
Extraordinary gains, net$065
Net income$77,00011,120
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,475
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$72,32011,133

* 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.