Home > Consumers Savings Bank > Income and Expense
Consumers Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,494,000 | 4,240 |
| Total interest expense | $4,696,000 | 3,163 |
| Net interest income | $2,798,000 | 5,583 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $233,000 | 7,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $233,000 | 4,566 |
| Total noninterest expense | $2,955,000 | 4,143 |
| Salaries and employee benefits | $1,446,000 | 4,382 |
| Premises and equipment expense | $639,000 | 2,982 |
| Additional noninterest expense | $870,000 | 4,439 |
| Pre-tax net operating income | $26,000 | 10,309 |
| Securities gains (losses) | $254,000 | 615 |
| Applicable income taxes | $196,000 | 6,931 |
| Income before extraordinary items | $84,000 | 10,055 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $84,000 | 10,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-78,560 | 10,470 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,591,000 | 4,812 |
| Total interest expense | $4,047,000 | 3,669 |
| Net interest income | $2,544,000 | 6,122 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $641,000 | 4,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $641,000 | 2,447 |
| Total noninterest expense | $3,207,000 | 4,089 |
| Salaries and employee benefits | $1,444,000 | 4,469 |
| Premises and equipment expense | $666,000 | 2,923 |
| Additional noninterest expense | $1,097,000 | 4,067 |
| Pre-tax net operating income | $-22,000 | 10,848 |
| Securities gains (losses) | $146,000 | 805 |
| Applicable income taxes | $66,000 | 9,389 |
| Income before extraordinary items | $58,000 | 10,532 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $58,000 | 10,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-35,440 | 10,859 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,251,000 | 5,022 |
| Total interest expense | $3,942,000 | 3,727 |
| Net interest income | $2,309,000 | 6,664 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $569,000 | 4,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $569,000 | 2,634 |
| Total noninterest expense | $2,559,000 | 4,897 |
| Salaries and employee benefits | $1,294,000 | 4,876 |
| Premises and equipment expense | $605,000 | 3,189 |
| Additional noninterest expense | $660,000 | 6,125 |
| Pre-tax net operating income | $319,000 | 9,608 |
| Securities gains (losses) | $192,000 | 687 |
| Applicable income taxes | $210,000 | 7,262 |
| Income before extraordinary items | $301,000 | 8,928 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $301,000 | 8,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $178,120 | 10,153 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,449,000 | 6,195 |
| Total interest expense | $2,086,000 | 5,426 |
| Net interest income | $2,363,000 | 6,732 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $240,000 | 8,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $240,000 | 4,702 |
| Total noninterest expense | $2,382,000 | 5,383 |
| Salaries and employee benefits | $1,127,000 | 5,538 |
| Premises and equipment expense | $572,000 | 3,413 |
| Additional noninterest expense | $683,000 | 6,446 |
| Pre-tax net operating income | $197,000 | 10,915 |
| Securities gains (losses) | $787,000 | 195 |
| Applicable income taxes | $376,000 | 4,992 |
| Income before extraordinary items | $608,000 | 6,482 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $608,000 | 6,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $124,000 | 6,480 |
| Sale, conversion, retirement of capital stock, net | $-450,000 | 12,554 |
| Net operating income | $104,320 | 11,384 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,351,000 | 6,469 |
| Total interest expense | $1,872,000 | 6,151 |
| Net interest income | $2,479,000 | 6,586 |
| Provision for loan and lease losses | $47,000 | 7,653 |
| Total noninterest income | $234,000 | 8,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $234,000 | 5,192 |
| Total noninterest expense | $2,365,000 | 5,531 |
| Salaries and employee benefits | $1,211,000 | 5,196 |
| Premises and equipment expense | $531,000 | 3,682 |
| Additional noninterest expense | $623,000 | 7,147 |
| Pre-tax net operating income | $301,000 | 10,232 |
| Securities gains (losses) | $1,489,000 | 393 |
| Applicable income taxes | $691,000 | 3,156 |
| Income before extraordinary items | $1,099,000 | 4,332 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,099,000 | 4,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $128,000 | 6,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $146,040 | 11,044 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,692,000 | 6,684 |
| Total interest expense | $2,466,000 | 6,056 |
| Net interest income | $2,226,000 | 7,185 |
| Provision for loan and lease losses | $179,000 | 5,591 |
| Total noninterest income | $248,000 | 8,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $248,000 | 4,980 |
| Total noninterest expense | $1,972,000 | 6,452 |
| Salaries and employee benefits | $958,000 | 6,275 |
| Premises and equipment expense | $494,000 | 4,018 |
| Additional noninterest expense | $520,000 | 8,271 |
| Pre-tax net operating income | $323,000 | 9,920 |
| Securities gains (losses) | $1,377,000 | 521 |
| Applicable income taxes | $729,000 | 2,846 |
| Income before extraordinary items | $971,000 | 4,618 |
| Extraordinary gains, net | $270,000 | 333 |
| Net income | $1,241,000 | 3,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $89,720 | 11,776 |
* 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.