Home > Enfield Savings Bank, Inc., SSB > Income and Expense
Enfield Savings Bank, Inc., SSB, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,135,000 | 8,853 |
| Total interest expense | $1,061,000 | 8,520 |
| Net interest income | $1,074,000 | 9,007 |
| Provision for loan and lease losses | $-67,000 | 10,740 |
| Total noninterest income | $15,000 | 10,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,198 |
| Total noninterest expense | $590,000 | 9,789 |
| Salaries and employee benefits | $341,000 | 9,654 |
| Premises and equipment expense | $40,000 | 10,440 |
| Additional noninterest expense | $209,000 | 9,284 |
| Pre-tax net operating income | $566,000 | 7,576 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $192,000 | 6,988 |
| Income before extraordinary items | $374,000 | 7,821 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $374,000 | 7,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 10,281 |
| Cash dividends | $120,000 | 6,224 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 895 |
| Net operating income | $374,000 | 7,764 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,102,000 | 9,250 |
| Total interest expense | $1,091,000 | 8,725 |
| Net interest income | $1,011,000 | 9,527 |
| Provision for loan and lease losses | $-28,000 | 11,152 |
| Total noninterest income | $63,000 | 10,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,398 |
| Total noninterest expense | $733,000 | 9,698 |
| Salaries and employee benefits | $333,000 | 10,091 |
| Premises and equipment expense | $39,000 | 10,933 |
| Additional noninterest expense | $361,000 | 8,252 |
| Pre-tax net operating income | $369,000 | 8,694 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $125,000 | 8,311 |
| Income before extraordinary items | $244,000 | 8,885 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $244,000 | 8,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $139,000 | 6,195 |
| Sale, conversion, retirement of capital stock, net | $-121,000 | 11,359 |
| Net operating income | $244,000 | 8,826 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,201,000 | 9,413 |
| Total interest expense | $1,259,000 | 8,410 |
| Net interest income | $942,000 | 10,116 |
| Provision for loan and lease losses | $47,000 | 6,364 |
| Total noninterest income | $58,000 | 11,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,889 |
| Total noninterest expense | $523,000 | 10,921 |
| Salaries and employee benefits | $236,000 | 11,259 |
| Premises and equipment expense | $38,000 | 11,427 |
| Additional noninterest expense | $249,000 | 9,832 |
| Pre-tax net operating income | $430,000 | 8,871 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $146,000 | 8,329 |
| Income before extraordinary items | $284,000 | 9,094 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $284,000 | 9,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,295 |
| Cash dividends | $27,000 | 8,247 |
| Sale, conversion, retirement of capital stock, net | $1,764,000 | 235 |
| Net operating income | $284,000 | 9,068 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,885,000 | 10,017 |
| Total interest expense | $927,000 | 9,008 |
| Net interest income | $958,000 | 10,529 |
| Provision for loan and lease losses | $56,000 | 5,901 |
| Total noninterest income | $35,000 | 12,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $529,000 | 11,457 |
| Salaries and employee benefits | $280,000 | 11,389 |
| Premises and equipment expense | $34,000 | 12,133 |
| Additional noninterest expense | $215,000 | 10,959 |
| Pre-tax net operating income | $408,000 | 9,303 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $149,000 | 8,321 |
| Income before extraordinary items | $259,000 | 9,596 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $259,000 | 9,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $259,000 | 9,655 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,999,000 | 10,180 |
| Total interest expense | $975,000 | 9,233 |
| Net interest income | $1,024,000 | 10,701 |
| Provision for loan and lease losses | $-4,000 | 12,450 |
| Total noninterest income | $55,000 | 12,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 11,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,919 |
| Total noninterest expense | $559,000 | 11,855 |
| Salaries and employee benefits | $242,000 | 12,267 |
| Premises and equipment expense | $33,000 | 12,758 |
| Additional noninterest expense | $284,000 | 10,641 |
| Pre-tax net operating income | $524,000 | 8,499 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $197,000 | 7,680 |
| Income before extraordinary items | $327,000 | 9,158 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $327,000 | 9,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $327,000 | 8,901 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,240,000 | 10,400 |
| Total interest expense | $1,236,000 | 9,467 |
| Net interest income | $1,004,000 | 11,088 |
| Provision for loan and lease losses | $107,000 | 7,099 |
| Total noninterest income | $21,000 | 13,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 11,715 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $467,000 | 12,819 |
| Salaries and employee benefits | $219,000 | 12,944 |
| Premises and equipment expense | $33,000 | 13,314 |
| Additional noninterest expense | $215,000 | 12,028 |
| Pre-tax net operating income | $451,000 | 8,794 |
| Securities gains (losses) | $-18,000 | 13,448 |
| Applicable income taxes | $189,000 | 7,777 |
| Income before extraordinary items | $244,000 | 9,998 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $244,000 | 10,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $255,520 | 9,481 |
* 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.