Home > Charter Bank > Income and Expense
Charter Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,290,000 | 1,953 |
| Total interest expense | $10,491,000 | 1,527 |
| Net interest income | $6,799,000 | 2,589 |
| Provision for loan and lease losses | $79,000 | 5,643 |
| Total noninterest income | $1,915,000 | 1,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,915,000 | 1,187 |
| Total noninterest expense | $5,443,000 | 2,512 |
| Salaries and employee benefits | $2,021,000 | 3,304 |
| Premises and equipment expense | $1,128,000 | 1,783 |
| Additional noninterest expense | $2,294,000 | 2,178 |
| Pre-tax net operating income | $3,192,000 | 2,240 |
| Securities gains (losses) | $263,000 | 594 |
| Applicable income taxes | $1,177,000 | 2,027 |
| Income before extraordinary items | $2,278,000 | 2,172 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,278,000 | 2,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,104,420 | 2,290 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,162,000 | 2,082 |
| Total interest expense | $10,201,000 | 1,564 |
| Net interest income | $5,961,000 | 2,990 |
| Provision for loan and lease losses | $85,000 | 4,951 |
| Total noninterest income | $792,000 | 3,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $792,000 | 2,122 |
| Total noninterest expense | $4,041,000 | 3,296 |
| Salaries and employee benefits | $1,881,000 | 3,508 |
| Premises and equipment expense | $1,078,000 | 1,875 |
| Additional noninterest expense | $1,082,000 | 4,079 |
| Pre-tax net operating income | $2,627,000 | 2,709 |
| Securities gains (losses) | $188,000 | 699 |
| Applicable income taxes | $1,043,000 | 2,291 |
| Income before extraordinary items | $1,772,000 | 2,785 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,772,000 | 2,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,173 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,651,680 | 2,944 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,176,000 | 2,313 |
| Total interest expense | $7,199,000 | 1,752 |
| Net interest income | $5,977,000 | 3,003 |
| Provision for loan and lease losses | $104,000 | 4,473 |
| Total noninterest income | $679,000 | 4,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $679,000 | 2,382 |
| Total noninterest expense | $4,205,000 | 3,263 |
| Salaries and employee benefits | $1,929,000 | 3,402 |
| Premises and equipment expense | $1,112,000 | 1,839 |
| Additional noninterest expense | $1,164,000 | 4,165 |
| Pre-tax net operating income | $2,347,000 | 3,001 |
| Securities gains (losses) | $137,000 | 641 |
| Applicable income taxes | $932,000 | 2,395 |
| Income before extraordinary items | $1,552,000 | 3,084 |
| Extraordinary gains, net | $193,000 | 68 |
| Net income | $1,745,000 | 2,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,618 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,464,320 | 3,276 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,108,000 | 2,359 |
| Total interest expense | $6,568,000 | 1,968 |
| Net interest income | $6,540,000 | 2,761 |
| Provision for loan and lease losses | $407,000 | 2,432 |
| Total noninterest income | $555,000 | 5,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $555,000 | 3,035 |
| Total noninterest expense | $4,299,000 | 3,261 |
| Salaries and employee benefits | $2,034,000 | 3,230 |
| Premises and equipment expense | $1,091,000 | 1,902 |
| Additional noninterest expense | $1,174,000 | 4,274 |
| Pre-tax net operating income | $2,389,000 | 2,826 |
| Securities gains (losses) | $670,000 | 735 |
| Applicable income taxes | $1,153,000 | 1,985 |
| Income before extraordinary items | $1,906,000 | 2,642 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,906,000 | 2,725 |
| 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 | $0 | 1,223 |
| Net operating income | $1,477,200 | 3,114 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,895,000 | 2,532 |
| Total interest expense | $7,608,000 | 2,233 |
| Net interest income | $6,287,000 | 2,900 |
| Provision for loan and lease losses | $578,000 | 2,699 |
| Total noninterest income | $263,000 | 8,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $263,000 | 4,807 |
| Total noninterest expense | $3,660,000 | 3,783 |
| Salaries and employee benefits | $1,705,000 | 3,757 |
| Premises and equipment expense | $925,000 | 2,249 |
| Additional noninterest expense | $1,030,000 | 4,938 |
| Pre-tax net operating income | $2,312,000 | 2,701 |
| Securities gains (losses) | $405,000 | 1,267 |
| Applicable income taxes | $1,070,000 | 1,986 |
| Income before extraordinary items | $1,647,000 | 2,794 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,647,000 | 2,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,387,800 | 3,071 |
* 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.