Home > Fairfield County Savings Bank > Income and Expense
Fairfield County Savings Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,103,000 | 1,768 |
| Total interest expense | $5,609,000 | 1,605 |
| Net interest income | $10,494,000 | 1,862 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,158,000 | 3,382 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $239,000 | 4,852 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $919,000 | 2,518 |
| Total noninterest expense | $9,124,000 | 1,746 |
| Salaries and employee benefits | $4,514,000 | 1,908 |
| Premises and equipment expense | $1,090,000 | 2,089 |
| Additional noninterest expense | $3,520,000 | 1,390 |
| Pre-tax net operating income | $2,528,000 | 2,853 |
| Securities gains (losses) | $-279,000 | 9,104 |
| Applicable income taxes | $470,000 | 3,477 |
| Income before extraordinary items | $1,779,000 | 3,132 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,779,000 | 3,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,999,410 | 2,743 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,340,000 | 1,759 |
| Total interest expense | $4,211,000 | 1,683 |
| Net interest income | $8,129,000 | 1,807 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $848,000 | 3,508 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $183,000 | 4,842 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $665,000 | 2,660 |
| Total noninterest expense | $6,097,000 | 1,959 |
| Salaries and employee benefits | $3,293,000 | 1,957 |
| Premises and equipment expense | $642,000 | 2,600 |
| Additional noninterest expense | $2,162,000 | 1,678 |
| Pre-tax net operating income | $2,880,000 | 2,109 |
| Securities gains (losses) | $-100,000 | 9,118 |
| Applicable income taxes | $796,000 | 2,209 |
| Income before extraordinary items | $1,984,000 | 2,357 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,984,000 | 2,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,382 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,055,000 | 2,159 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,310,000 | 1,760 |
| Total interest expense | $2,857,000 | 1,706 |
| Net interest income | $5,453,000 | 1,791 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $764,000 | 2,849 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $122,000 | 4,816 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $642,000 | 2,099 |
| Total noninterest expense | $3,963,000 | 1,993 |
| Salaries and employee benefits | $2,161,000 | 1,977 |
| Premises and equipment expense | $420,000 | 2,653 |
| Additional noninterest expense | $1,382,000 | 1,740 |
| Pre-tax net operating income | $2,254,000 | 1,841 |
| Securities gains (losses) | $-55,000 | 9,165 |
| Applicable income taxes | $671,000 | 1,878 |
| Income before extraordinary items | $1,528,000 | 2,076 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,528,000 | 2,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,565,950 | 1,916 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,254,000 | 1,736 |
| Total interest expense | $1,497,000 | 1,667 |
| Net interest income | $2,757,000 | 1,764 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $280,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $61,000 | 4,717 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $219,000 | 2,564 |
| Total noninterest expense | $2,012,000 | 1,947 |
| Salaries and employee benefits | $1,091,000 | 1,951 |
| Premises and equipment expense | $226,000 | 2,471 |
| Additional noninterest expense | $695,000 | 1,695 |
| Pre-tax net operating income | $1,025,000 | 1,990 |
| Securities gains (losses) | $-90,000 | 9,257 |
| Applicable income taxes | $273,000 | 2,181 |
| Income before extraordinary items | $662,000 | 2,315 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $662,000 | 2,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $725,900 | 2,026 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,668,000 | 1,738 |
| Total interest expense | $6,668,000 | 1,713 |
| Net interest income | $11,000,000 | 1,755 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,424,000 | 2,718 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $285,000 | 4,343 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,139,000 | 2,003 |
| Total noninterest expense | $7,832,000 | 1,931 |
| Salaries and employee benefits | $4,129,000 | 1,944 |
| Premises and equipment expense | $799,000 | 2,688 |
| Additional noninterest expense | $2,904,000 | 1,628 |
| Pre-tax net operating income | $4,592,000 | 1,766 |
| Securities gains (losses) | $-258,000 | 9,213 |
| Applicable income taxes | $1,355,000 | 1,796 |
| Income before extraordinary items | $2,979,000 | 2,017 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,979,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 9,008 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,157,020 | 1,842 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,065,000 | 1,787 |
| Total interest expense | $9,951,000 | 1,625 |
| Net interest income | $9,114,000 | 1,953 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,154,000 | 3,009 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $264,000 | 4,497 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $890,000 | 2,222 |
| Total noninterest expense | $7,398,000 | 1,943 |
| Salaries and employee benefits | $3,889,000 | 1,933 |
| Premises and equipment expense | $787,000 | 2,671 |
| Additional noninterest expense | $2,722,000 | 1,691 |
| Pre-tax net operating income | $2,870,000 | 2,365 |
| Securities gains (losses) | $60,000 | 2,191 |
| Applicable income taxes | $713,000 | 2,630 |
| Income before extraordinary items | $2,217,000 | 2,323 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,217,000 | 2,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,677 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,171,400 | 2,285 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,206,000 | 1,808 |
| Total interest expense | $10,288,000 | 1,671 |
| Net interest income | $8,918,000 | 1,983 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $905,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $335,000 | 3,725 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $570,000 | 2,712 |
| Total noninterest expense | $6,919,000 | 2,001 |
| Salaries and employee benefits | $3,685,000 | 1,948 |
| Premises and equipment expense | $797,000 | 2,575 |
| Additional noninterest expense | $2,437,000 | 1,817 |
| Pre-tax net operating income | $2,904,000 | 2,453 |
| Securities gains (losses) | $28,000 | 862 |
| Applicable income taxes | $802,000 | 2,518 |
| Income before extraordinary items | $2,130,000 | 2,404 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,130,000 | 2,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,109,560 | 2,436 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,247,000 | 1,886 |
| Total interest expense | $9,277,000 | 1,621 |
| Net interest income | $7,970,000 | 2,203 |
| Provision for loan and lease losses | $-30,000 | 10,026 |
| Total noninterest income | $754,000 | 3,767 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $292,000 | 4,065 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $462,000 | 3,109 |
| Total noninterest expense | $6,429,000 | 2,117 |
| Salaries and employee benefits | $3,285,000 | 2,142 |
| Premises and equipment expense | $705,000 | 2,850 |
| Additional noninterest expense | $2,439,000 | 1,810 |
| Pre-tax net operating income | $2,325,000 | 2,962 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $657,000 | 3,027 |
| Income before extraordinary items | $1,666,000 | 2,986 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,666,000 | 2,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,636 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,667,440 | 2,946 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,506,000 | 2,102 |
| Total interest expense | $8,599,000 | 1,776 |
| Net interest income | $6,907,000 | 2,453 |
| Provision for loan and lease losses | $138,000 | 4,359 |
| Total noninterest income | $780,000 | 3,695 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $315,000 | 3,792 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $465,000 | 3,113 |
| Total noninterest expense | $5,309,000 | 2,451 |
| Salaries and employee benefits | $3,056,000 | 2,213 |
| Premises and equipment expense | $673,000 | 2,865 |
| Additional noninterest expense | $1,580,000 | 2,645 |
| Pre-tax net operating income | $2,240,000 | 3,043 |
| Securities gains (losses) | $349,000 | 688 |
| Applicable income taxes | $876,000 | 2,545 |
| Income before extraordinary items | $1,713,000 | 2,909 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,713,000 | 2,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 10,177 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,482,660 | 3,208 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,014,000 | 2,174 |
| Total interest expense | $8,051,000 | 1,922 |
| Net interest income | $6,963,000 | 2,492 |
| Provision for loan and lease losses | $149,000 | 4,180 |
| Total noninterest income | $717,000 | 3,911 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $348,000 | 3,630 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $369,000 | 3,461 |
| Total noninterest expense | $5,900,000 | 2,178 |
| Salaries and employee benefits | $3,095,000 | 2,136 |
| Premises and equipment expense | $641,000 | 2,974 |
| Additional noninterest expense | $2,164,000 | 1,957 |
| Pre-tax net operating income | $1,631,000 | 4,165 |
| Securities gains (losses) | $236,000 | 639 |
| Applicable income taxes | $553,000 | 3,923 |
| Income before extraordinary items | $1,314,000 | 3,766 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,314,000 | 3,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,915 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,148,800 | 4,146 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,720,000 | 2,437 |
| Total interest expense | $7,256,000 | 2,154 |
| Net interest income | $6,464,000 | 2,742 |
| Provision for loan and lease losses | $486,000 | 1,772 |
| Total noninterest income | $541,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $272,000 | 4,529 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $269,000 | 4,342 |
| Total noninterest expense | $4,442,000 | 3,052 |
| Salaries and employee benefits | $2,141,000 | 3,125 |
| Premises and equipment expense | $704,000 | 2,778 |
| Additional noninterest expense | $1,597,000 | 2,971 |
| Pre-tax net operating income | $2,077,000 | 3,312 |
| Securities gains (losses) | $1,328,000 | 210 |
| Applicable income taxes | $1,319,000 | 1,826 |
| Income before extraordinary items | $2,086,000 | 2,366 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,086,000 | 2,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 3,041 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,236,080 | 3,732 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,631,000 | 2,857 |
| Total interest expense | $5,362,000 | 2,849 |
| Net interest income | $6,269,000 | 2,845 |
| Provision for loan and lease losses | $333,000 | 2,126 |
| Total noninterest income | $415,000 | 5,851 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $271,000 | 4,662 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $144,000 | 6,108 |
| Total noninterest expense | $6,224,000 | 2,193 |
| Salaries and employee benefits | $2,403,000 | 2,777 |
| Premises and equipment expense | $683,000 | 2,878 |
| Additional noninterest expense | $3,138,000 | 1,639 |
| Pre-tax net operating income | $127,000 | 10,928 |
| Securities gains (losses) | $48,000 | 1,329 |
| Applicable income taxes | $30,000 | 10,584 |
| Income before extraordinary items | $145,000 | 10,511 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $145,000 | 10,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,360 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $105,160 | 10,862 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,921,000 | 3,054 |
| Total interest expense | $4,071,000 | 2,990 |
| Net interest income | $5,850,000 | 3,070 |
| Provision for loan and lease losses | $601,000 | 1,323 |
| Total noninterest income | $424,000 | 5,911 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $276,000 | 4,674 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $148,000 | 6,243 |
| Total noninterest expense | $5,071,000 | 2,742 |
| Salaries and employee benefits | $2,178,000 | 3,037 |
| Premises and equipment expense | $684,000 | 2,877 |
| Additional noninterest expense | $2,209,000 | 2,378 |
| Pre-tax net operating income | $602,000 | 7,980 |
| Securities gains (losses) | $58,000 | 1,066 |
| Applicable income taxes | $232,000 | 6,800 |
| Income before extraordinary items | $428,000 | 7,918 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $428,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,383 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $390,300 | 8,327 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,437,000 | 3,275 |
| Total interest expense | $4,321,000 | 2,954 |
| Net interest income | $5,116,000 | 3,492 |
| Provision for loan and lease losses | $158,000 | 4,517 |
| Total noninterest income | $452,000 | 5,980 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $237,000 | 5,305 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $215,000 | 5,444 |
| Total noninterest expense | $4,574,000 | 3,071 |
| Salaries and employee benefits | $2,289,000 | 2,890 |
| Premises and equipment expense | $695,000 | 2,901 |
| Additional noninterest expense | $1,590,000 | 3,334 |
| Pre-tax net operating income | $836,000 | 6,638 |
| Securities gains (losses) | $127,000 | 2,182 |
| Applicable income taxes | $225,000 | 7,177 |
| Income before extraordinary items | $738,000 | 5,894 |
| Extraordinary gains, net | $482,000 | 486 |
| Net income | $1,220,000 | 4,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,789 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $640,210 | 6,246 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,097,000 | 3,164 |
| Total interest expense | $6,191,000 | 2,696 |
| Net interest income | $4,906,000 | 3,716 |
| Provision for loan and lease losses | $250,000 | 4,577 |
| Total noninterest income | $348,000 | 7,143 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $240,000 | 5,272 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $108,000 | 7,800 |
| Total noninterest expense | $4,386,000 | 3,233 |
| Salaries and employee benefits | $2,136,000 | 3,022 |
| Premises and equipment expense | $679,000 | 2,998 |
| Additional noninterest expense | $1,571,000 | 3,457 |
| Pre-tax net operating income | $618,000 | 7,587 |
| Securities gains (losses) | $30,000 | 4,989 |
| Applicable income taxes | $368,000 | 5,114 |
| Income before extraordinary items | $280,000 | 9,540 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $280,000 | 9,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 2,698 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $260,800 | 9,406 |
* 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.