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Concord Savings Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$33,396,0001,044
Total interest expense$17,207,000965
Net interest income$16,189,0001,125
Provision for loan and lease losses$1,050,000982
Total noninterest income$4,109,0001,088
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$716,0001,902
Trading account gains and fees$0262
Additional Noninterest Income$3,393,000818
Total noninterest expense$13,948,0001,071
Salaries and employee benefits$6,594,0001,014
Premises and equipment expense$2,180,000974
Additional noninterest expense$5,174,0001,106
Pre-tax net operating income$5,300,0001,353
Securities gains (losses)$538,000402
Applicable income taxes$1,939,0001,272
Income before extraordinary items$3,899,0001,275
Extraordinary gains, net$053
Net income$3,899,0001,277
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,033,000883
Cash dividends$1,264,0001,796
Sale, conversion, retirement of capital stock, net$50,000723
Net operating income$3,538,5401,361
1995-12-31 (YTD Data)Rank
Total interest income$31,435,0001,122
Total interest expense$17,021,000997
Net interest income$14,414,0001,252
Provision for loan and lease losses$650,0001,267
Total noninterest income$2,261,0001,661
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$550,0002,453
Trading account gains and fees$0522
Additional Noninterest Income$1,711,0001,258
Total noninterest expense$11,339,0001,271
Salaries and employee benefits$5,624,0001,192
Premises and equipment expense$1,663,0001,252
Additional noninterest expense$4,052,0001,324
Pre-tax net operating income$4,686,0001,582
Securities gains (losses)$343,000467
Applicable income taxes$1,711,0001,460
Income before extraordinary items$3,318,0001,534
Extraordinary gains, net$065
Net income$3,318,0001,532
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$738,0001,080
Cash dividends$957,0002,139
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,091,6201,628
1994-12-31 (YTD Data)Rank
Total interest income$24,719,0001,270
Total interest expense$11,550,0001,138
Net interest income$13,169,0001,360
Provision for loan and lease losses$350,0002,026
Total noninterest income$1,742,0002,041
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$444,0003,082
Trading account gains and fees$0475
Additional Noninterest Income$1,298,0001,541
Total noninterest expense$10,611,0001,378
Salaries and employee benefits$5,166,0001,308
Premises and equipment expense$1,396,0001,490
Additional noninterest expense$4,049,0001,401
Pre-tax net operating income$3,950,0001,806
Securities gains (losses)$230,000453
Applicable income taxes$1,105,0002,039
Income before extraordinary items$3,075,0001,592
Extraordinary gains, net$0249
Net income$3,075,0001,592
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$957,000890
Cash dividends$766,0002,369
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,904,8001,688
1993-12-31 (YTD Data)Rank
Total interest income$23,649,0001,338
Total interest expense$11,056,0001,232
Net interest income$12,593,0001,442
Provision for loan and lease losses$1,525,000986
Total noninterest income$2,472,0001,692
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$335,0004,029
Trading account gains and fees$0532
Additional Noninterest Income$2,137,0001,200
Total noninterest expense$10,775,0001,428
Salaries and employee benefits$4,832,0001,390
Premises and equipment expense$1,358,0001,552
Additional noninterest expense$4,585,0001,363
Pre-tax net operating income$2,765,0002,484
Securities gains (losses)$567,000822
Applicable income taxes$447,0004,608
Income before extraordinary items$2,885,0001,741
Extraordinary gains, net$03,149
Net income$2,885,0001,807
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,899,000747
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,391,7101,962
1992-12-31 (YTD Data)Rank
Total interest income$25,581,0001,432
Total interest expense$13,677,0001,292
Net interest income$11,904,0001,548
Provision for loan and lease losses$2,400,0001,002
Total noninterest income$1,349,0002,598
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$288,0004,598
Trading account gains and fees$0504
Additional Noninterest Income$1,061,0001,916
Total noninterest expense$10,921,0001,423
Salaries and employee benefits$4,027,0001,645
Premises and equipment expense$1,171,0001,806
Additional noninterest expense$5,723,0001,173
Pre-tax net operating income$-68,00012,889
Securities gains (losses)$1,109,000598
Applicable income taxes$401,0004,787
Income before extraordinary items$640,0006,293
Extraordinary gains, net$316,000297
Net income$956,0004,737
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,264,000893
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-69,76012,853

* 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.