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East Bridgewater Co-operative Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$662,00010,121
Total interest expense$284,00010,088
Net interest income$378,00010,105
Provision for loan and lease losses$1,0008,622
Total noninterest income$20,00010,209
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$12,0008,845
Trading account gains and feesNANA
Additional Noninterest Income$8,00010,056
Total noninterest expense$376,00010,114
Salaries and employee benefits$217,00010,033
Premises and equipment expense$61,0009,545
Additional noninterest expense$98,00010,142
Pre-tax net operating income$21,0009,717
Securities gains (losses)$04,449
Applicable income taxes$11,0009,059
Income before extraordinary items$10,0009,796
Extraordinary gains, net$032
Net income$10,0009,793
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-7,0009,508
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$10,0009,744
1997-12-31 (YTD Data)Rank
Total interest income$659,00010,609
Total interest expense$296,00010,518
Net interest income$363,00010,605
Provision for loan and lease losses$16,0008,073
Total noninterest income$33,00010,531
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$16,0009,200
Trading account gains and feesNANA
Additional Noninterest Income$17,00010,015
Total noninterest expense$385,00010,515
Salaries and employee benefits$226,00010,410
Premises and equipment expense$42,00010,388
Additional noninterest expense$117,00010,374
Pre-tax net operating income$-5,00010,390
Securities gains (losses)$-22,00010,409
Applicable income taxes$-23,00010,562
Income before extraordinary items$-4,00010,409
Extraordinary gains, net$044
Net income$-4,00010,411
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0007,643
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$10,08010,339
1996-12-31 (YTD Data)Rank
Total interest income$625,00011,171
Total interest expense$297,00011,083
Net interest income$328,00011,196
Provision for loan and lease losses$56,0006,391
Total noninterest income$20,00011,238
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$17,0009,636
Trading account gains and feesNANA
Additional Noninterest Income$3,00011,282
Total noninterest expense$413,00010,927
Salaries and employee benefits$217,00010,923
Premises and equipment expense$42,00010,856
Additional noninterest expense$154,00010,503
Pre-tax net operating income$-121,00010,988
Securities gains (losses)$04,148
Applicable income taxes$-45,00011,061
Income before extraordinary items$-76,00010,965
Extraordinary gains, net$053
Net income$-76,00010,963
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0006,379
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-76,00010,917
1995-12-31 (YTD Data)Rank
Total interest income$655,00011,670
Total interest expense$278,00011,620
Net interest income$377,00011,650
Provision for loan and lease losses$12,0008,132
Total noninterest income$31,00011,641
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$14,00010,123
Trading account gains and feesNANA
Additional Noninterest Income$17,00011,076
Total noninterest expense$318,00011,668
Salaries and employee benefits$214,00011,408
Premises and equipment expense$19,00011,813
Additional noninterest expense$85,00011,738
Pre-tax net operating income$78,00011,191
Securities gains (losses)$03,831
Applicable income taxes$30,00010,584
Income before extraordinary items$48,00011,296
Extraordinary gains, net$065
Net income$48,00011,295
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0007,374
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$48,00011,260
1994-12-31 (YTD Data)Rank
Total interest income$653,00012,251
Total interest expense$246,00012,217
Net interest income$407,00012,213
Provision for loan and lease losses$23,0007,639
Total noninterest income$26,00012,324
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$14,00010,657
Trading account gains and feesNANA
Additional Noninterest Income$12,00011,965
Total noninterest expense$319,00012,301
Salaries and employee benefits$198,00012,080
Premises and equipment expense$22,00012,402
Additional noninterest expense$99,00012,293
Pre-tax net operating income$91,00011,682
Securities gains (losses)$03,600
Applicable income taxes$30,00010,923
Income before extraordinary items$61,00011,725
Extraordinary gains, net$0249
Net income$61,00011,733
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,270
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$-65,00012,496
Net operating income$61,00011,769
1993-12-31 (YTD Data)Rank
Total interest income$712,00012,793
Total interest expense$264,00012,799
Net interest income$448,00012,693
Provision for loan and lease losses$16,0009,322
Total noninterest income$30,00012,933
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$12,00011,170
Trading account gains and feesNANA
Additional Noninterest Income$18,00012,177
Total noninterest expense$276,00013,041
Salaries and employee benefits$157,00012,940
Premises and equipment expense$20,00013,077
Additional noninterest expense$99,00012,946
Pre-tax net operating income$186,00011,165
Securities gains (losses)$07,477
Applicable income taxes$70,00010,475
Income before extraordinary items$116,00011,627
Extraordinary gains, net$03,149
Net income$116,00011,679
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0008,222
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$116,00011,421
1992-12-31 (YTD Data)Rank
Total interest income$736,00013,440
Total interest expense$397,00013,192
Net interest income$336,00013,545
Provision for loan and lease losses$25,00010,242
Total noninterest income$66,00012,680
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$11,00011,579
Trading account gains and feesNANA
Additional Noninterest Income$55,00010,088
Total noninterest expense$264,00013,669
Salaries and employee benefits$156,00013,514
Premises and equipment expense$17,00013,728
Additional noninterest expense$91,00013,600
Pre-tax net operating income$113,00011,886
Securities gains (losses)$08,369
Applicable income taxes$21,00012,079
Income before extraordinary items$92,00012,035
Extraordinary gains, net$01,422
Net income$92,00012,095
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0009,510
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$92,00011,739

* 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.