Home > Charter Bank, S.S.B. > Income and Expense
Charter Bank, S.S.B., Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,245,000 | 2,522 |
| Total interest expense | $7,410,000 | 2,111 |
| Net interest income | $5,835,000 | 3,050 |
| Provision for loan and lease losses | $250,000 | 2,552 |
| Total noninterest income | $42,000 | 11,486 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $35,000 | 9,675 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $7,000 | 11,654 |
| Total noninterest expense | $2,883,000 | 4,433 |
| Salaries and employee benefits | $1,187,000 | 5,265 |
| Premises and equipment expense | $484,000 | 3,864 |
| Additional noninterest expense | $1,212,000 | 3,704 |
| Pre-tax net operating income | $2,744,000 | 2,624 |
| Securities gains (losses) | $477,000 | 370 |
| Applicable income taxes | $1,148,000 | 2,103 |
| Income before extraordinary items | $2,073,000 | 2,422 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,073,000 | 2,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,579 |
| Cash dividends | $1,670,000 | 1,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,767,720 | 2,753 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,281,000 | 2,143 |
| Total interest expense | $5,936,000 | 2,103 |
| Net interest income | $8,345,000 | 2,167 |
| Provision for loan and lease losses | $-111,000 | 12,200 |
| Total noninterest income | $79,000 | 11,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $3,624,000 | 3,735 |
| Salaries and employee benefits | $1,668,000 | 3,893 |
| Premises and equipment expense | $629,000 | 3,133 |
| Additional noninterest expense | $1,327,000 | 3,711 |
| Pre-tax net operating income | $4,911,000 | 1,489 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,677,000 | 1,401 |
| Income before extraordinary items | $3,234,000 | 1,524 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,234,000 | 1,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,234,000 | 1,532 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,576,000 | 2,679 |
| Total interest expense | $4,609,000 | 2,798 |
| Net interest income | $6,967,000 | 2,592 |
| Provision for loan and lease losses | $414,000 | 2,403 |
| Total noninterest income | $623,000 | 4,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $623,000 | 2,812 |
| Total noninterest expense | $3,080,000 | 4,406 |
| Salaries and employee benefits | $1,739,000 | 3,744 |
| Premises and equipment expense | $439,000 | 4,349 |
| Additional noninterest expense | $902,000 | 5,354 |
| Pre-tax net operating income | $4,096,000 | 1,689 |
| Securities gains (losses) | $163,000 | 1,907 |
| Applicable income taxes | $1,453,000 | 1,612 |
| Income before extraordinary items | $2,806,000 | 1,784 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,806,000 | 1,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $525,000 | 2,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,698,420 | 1,741 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,336,000 | 3,743 |
| Total interest expense | $3,981,000 | 4,099 |
| Net interest income | $5,355,000 | 3,408 |
| Provision for loan and lease losses | $209,000 | 5,111 |
| Total noninterest income | $241,000 | 8,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $241,000 | 5,087 |
| Total noninterest expense | $3,011,000 | 4,518 |
| Salaries and employee benefits | $1,257,000 | 4,953 |
| Premises and equipment expense | $380,000 | 4,992 |
| Additional noninterest expense | $1,374,000 | 3,862 |
| Pre-tax net operating income | $2,376,000 | 2,624 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $807,000 | 2,596 |
| Income before extraordinary items | $1,569,000 | 2,934 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,569,000 | 2,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 2,788 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,569,000 | 2,710 |
* 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.