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Community Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $26,769,000 | 1,280 |
| Total interest expense | $14,980,000 | 1,094 |
| Net interest income | $11,789,000 | 1,513 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $8,156,000 | 676 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $701,000 | 1,936 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $7,455,000 | 512 |
| Total noninterest expense | $16,375,000 | 934 |
| Salaries and employee benefits | $5,854,000 | 1,153 |
| Premises and equipment expense | $1,424,000 | 1,428 |
| Additional noninterest expense | $9,097,000 | 722 |
| Pre-tax net operating income | $3,570,000 | 2,021 |
| Securities gains (losses) | $-129,000 | 11,249 |
| Applicable income taxes | $1,225,000 | 1,960 |
| Income before extraordinary items | $2,216,000 | 2,226 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,216,000 | 2,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,420 |
| Cash dividends | $1,985,000 | 1,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,298,560 | 2,108 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $26,294,000 | 1,299 |
| Total interest expense | $15,810,000 | 1,070 |
| Net interest income | $10,484,000 | 1,706 |
| Provision for loan and lease losses | $105,000 | 4,483 |
| Total noninterest income | $7,384,000 | 740 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $789,000 | 1,719 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $6,595,000 | 552 |
| Total noninterest expense | $14,124,000 | 1,060 |
| Salaries and employee benefits | $5,178,000 | 1,282 |
| Premises and equipment expense | $1,330,000 | 1,531 |
| Additional noninterest expense | $7,616,000 | 821 |
| Pre-tax net operating income | $3,639,000 | 2,017 |
| Securities gains (losses) | $247,000 | 595 |
| Applicable income taxes | $1,326,000 | 1,835 |
| Income before extraordinary items | $2,560,000 | 1,961 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,560,000 | 1,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 2,000 |
| Cash dividends | $1,522,000 | 1,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,396,980 | 2,073 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,569,000 | 1,178 |
| Total interest expense | $13,715,000 | 971 |
| Net interest income | $12,854,000 | 1,389 |
| Provision for loan and lease losses | $900,000 | 996 |
| Total noninterest income | $4,451,000 | 1,001 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $702,000 | 1,917 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,749,000 | 767 |
| Total noninterest expense | $11,785,000 | 1,259 |
| Salaries and employee benefits | $3,884,000 | 1,725 |
| Premises and equipment expense | $1,327,000 | 1,565 |
| Additional noninterest expense | $6,574,000 | 944 |
| Pre-tax net operating income | $4,620,000 | 1,561 |
| Securities gains (losses) | $238,000 | 445 |
| Applicable income taxes | $1,890,000 | 1,265 |
| Income before extraordinary items | $2,968,000 | 1,645 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,968,000 | 1,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,738 |
| Cash dividends | $1,065,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,815,680 | 1,743 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $27,617,000 | 1,149 |
| Total interest expense | $13,919,000 | 976 |
| Net interest income | $13,698,000 | 1,320 |
| Provision for loan and lease losses | $1,860,000 | 855 |
| Total noninterest income | $2,071,000 | 1,928 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $750,000 | 1,822 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,321,000 | 1,700 |
| Total noninterest expense | $8,762,000 | 1,733 |
| Salaries and employee benefits | $3,035,000 | 2,188 |
| Premises and equipment expense | $1,062,000 | 1,947 |
| Additional noninterest expense | $4,665,000 | 1,348 |
| Pre-tax net operating income | $5,147,000 | 1,361 |
| Securities gains (losses) | $403,000 | 1,042 |
| Applicable income taxes | $2,212,000 | 1,105 |
| Income before extraordinary items | $3,338,000 | 1,520 |
| Extraordinary gains, net | $600,000 | 372 |
| Net income | $3,938,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $668,000 | 1,477 |
| Cash dividends | $1,582,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,080,080 | 1,554 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,717,000 | 1,479 |
| Total interest expense | $13,058,000 | 1,357 |
| Net interest income | $11,659,000 | 1,587 |
| Provision for loan and lease losses | $1,316,000 | 1,543 |
| Total noninterest income | $1,445,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $373,000 | 3,712 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,072,000 | 1,895 |
| Total noninterest expense | $6,341,000 | 2,303 |
| Salaries and employee benefits | $2,447,000 | 2,649 |
| Premises and equipment expense | $545,000 | 3,675 |
| Additional noninterest expense | $3,349,000 | 1,812 |
| Pre-tax net operating income | $5,447,000 | 1,185 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $2,473,000 | 941 |
| Income before extraordinary items | $2,980,000 | 1,549 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,980,000 | 1,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,305,000 | 1,314 |
| Cash dividends | $2,611,000 | 671 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,976,160 | 1,438 |
* 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.