Home > Charter Bank, S.B. > Income and Expense
Charter Bank, S.B., Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,479,000 | 1,849 |
| Total interest expense | $9,621,000 | 1,597 |
| Net interest income | $7,858,000 | 2,167 |
| Provision for loan and lease losses | $452,000 | 1,861 |
| Total noninterest income | $859,000 | 3,436 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $638,000 | 2,016 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $221,000 | 4,708 |
| Total noninterest expense | $5,931,000 | 2,203 |
| Salaries and employee benefits | $1,458,000 | 4,334 |
| Premises and equipment expense | $737,000 | 2,647 |
| Additional noninterest expense | $3,736,000 | 1,195 |
| Pre-tax net operating income | $2,334,000 | 2,956 |
| Securities gains (losses) | $146,000 | 1,066 |
| Applicable income taxes | $1,737,000 | 1,429 |
| Income before extraordinary items | $743,000 | 5,418 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $743,000 | 5,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,064,000 | 720 |
| Cash dividends | $33,937,000 | 189 |
| Sale, conversion, retirement of capital stock, net | $37,731,000 | 24 |
| Net operating income | $649,560 | 5,712 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $30,494,000 | 1,110 |
| Total interest expense | $16,031,000 | 1,018 |
| Net interest income | $14,463,000 | 1,212 |
| Provision for loan and lease losses | $285,000 | 2,727 |
| Total noninterest income | $2,743,000 | 1,370 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $981,000 | 1,315 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,762,000 | 1,191 |
| Total noninterest expense | $8,887,000 | 1,476 |
| Salaries and employee benefits | $4,130,000 | 1,577 |
| Premises and equipment expense | $1,437,000 | 1,365 |
| Additional noninterest expense | $3,320,000 | 1,322 |
| Pre-tax net operating income | $8,034,000 | 1,025 |
| Securities gains (losses) | $432,000 | 461 |
| Applicable income taxes | $3,403,000 | 838 |
| Income before extraordinary items | $5,063,000 | 1,092 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,063,000 | 1,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 1,179 |
| Cash dividends | $2,603,000 | 1,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,786,520 | 1,134 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $26,788,000 | 1,278 |
| Total interest expense | $13,700,000 | 1,196 |
| Net interest income | $13,088,000 | 1,369 |
| Provision for loan and lease losses | $251,000 | 2,925 |
| Total noninterest income | $1,417,000 | 2,394 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $855,000 | 1,565 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $562,000 | 2,697 |
| Total noninterest expense | $8,919,000 | 1,583 |
| Salaries and employee benefits | $3,400,000 | 1,935 |
| Premises and equipment expense | $1,185,000 | 1,713 |
| Additional noninterest expense | $4,334,000 | 1,278 |
| Pre-tax net operating income | $5,335,000 | 1,342 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $2,140,000 | 1,161 |
| Income before extraordinary items | $3,193,000 | 1,556 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,193,000 | 1,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,876 |
| Cash dividends | $3,000,000 | 948 |
| Sale, conversion, retirement of capital stock, net | $303,000 | 526 |
| Net operating income | $3,194,280 | 1,523 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,351,000 | 1,582 |
| Total interest expense | $10,975,000 | 1,485 |
| Net interest income | $10,376,000 | 1,722 |
| Provision for loan and lease losses | $360,000 | 2,012 |
| Total noninterest income | $1,084,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $704,000 | 1,924 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $380,000 | 3,421 |
| Total noninterest expense | $6,113,000 | 2,223 |
| Salaries and employee benefits | $2,932,000 | 2,251 |
| Premises and equipment expense | $605,000 | 3,189 |
| Additional noninterest expense | $2,576,000 | 1,950 |
| Pre-tax net operating income | $4,987,000 | 1,510 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $1,881,000 | 1,343 |
| Income before extraordinary items | $3,092,000 | 1,646 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,092,000 | 1,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $721,000 | 1,092 |
| Cash dividends | $528,000 | 3,200 |
| Sale, conversion, retirement of capital stock, net | $1,731,000 | 236 |
| Net operating income | $3,100,960 | 1,622 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,727,000 | 1,649 |
| Total interest expense | $8,551,000 | 1,511 |
| Net interest income | $10,176,000 | 1,774 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $1,000,000 | 3,117 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $609,000 | 2,239 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $391,000 | 3,464 |
| Total noninterest expense | $6,125,000 | 2,300 |
| Salaries and employee benefits | $2,601,000 | 2,561 |
| Premises and equipment expense | $483,000 | 3,914 |
| Additional noninterest expense | $3,041,000 | 1,784 |
| Pre-tax net operating income | $4,911,000 | 1,489 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,910,000 | 1,255 |
| Income before extraordinary items | $3,001,000 | 1,632 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,001,000 | 1,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,163 |
| Cash dividends | $1,790,000 | 1,234 |
| Sale, conversion, retirement of capital stock, net | $615,000 | 511 |
| Net operating income | $3,001,000 | 1,640 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,513,000 | 1,685 |
| Total interest expense | $8,504,000 | 1,570 |
| Net interest income | $10,009,000 | 1,795 |
| Provision for loan and lease losses | $881,000 | 1,426 |
| Total noninterest income | $962,000 | 3,445 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $557,000 | 2,477 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $405,000 | 3,720 |
| Total noninterest expense | $4,881,000 | 2,913 |
| Salaries and employee benefits | $2,200,000 | 2,981 |
| Premises and equipment expense | $478,000 | 4,039 |
| Additional noninterest expense | $2,203,000 | 2,518 |
| Pre-tax net operating income | $5,209,000 | 1,343 |
| Securities gains (losses) | $315,000 | 1,252 |
| Applicable income taxes | $2,204,000 | 1,108 |
| Income before extraordinary items | $3,320,000 | 1,532 |
| Extraordinary gains, net | $786,000 | 283 |
| Net income | $4,106,000 | 1,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 3,451 |
| Cash dividends | $103,000 | 6,810 |
| Sale, conversion, retirement of capital stock, net | $7,315,000 | 156 |
| Net operating income | $3,118,400 | 1,539 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,234,000 | 1,842 |
| Total interest expense | $10,442,000 | 1,657 |
| Net interest income | $8,792,000 | 2,072 |
| Provision for loan and lease losses | $662,000 | 2,465 |
| Total noninterest income | $852,000 | 3,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $852,000 | 2,228 |
| Total noninterest expense | $4,603,000 | 3,099 |
| Salaries and employee benefits | $2,036,000 | 3,169 |
| Premises and equipment expense | $853,000 | 2,419 |
| Additional noninterest expense | $1,714,000 | 3,189 |
| Pre-tax net operating income | $4,379,000 | 1,452 |
| Securities gains (losses) | $59,000 | 3,858 |
| Applicable income taxes | $1,752,000 | 1,262 |
| Income before extraordinary items | $2,686,000 | 1,707 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,686,000 | 1,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 4,263 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,648,240 | 1,593 |
* 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.