Home > First Savings Bank of New Jersey SLA > Income and Expense
First Savings Bank of New Jersey SLA, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $41,549,000 | 801 |
| Total interest expense | $25,700,000 | 652 |
| Net interest income | $15,849,000 | 1,064 |
| Provision for loan and lease losses | $245,000 | 3,032 |
| Total noninterest income | $2,082,000 | 1,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,082,000 | 1,129 |
| Total noninterest expense | $9,997,000 | 1,317 |
| Salaries and employee benefits | $5,267,000 | 1,251 |
| Premises and equipment expense | $1,989,000 | 974 |
| Additional noninterest expense | $2,741,000 | 1,571 |
| Pre-tax net operating income | $7,689,000 | 999 |
| Securities gains (losses) | $97,000 | 1,291 |
| Applicable income taxes | $2,881,000 | 906 |
| Income before extraordinary items | $4,905,000 | 1,100 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,905,000 | 1,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,568 |
| Cash dividends | $568,000 | 3,250 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,842,920 | 1,077 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $39,595,000 | 866 |
| Total interest expense | $24,965,000 | 674 |
| Net interest income | $14,630,000 | 1,202 |
| Provision for loan and lease losses | $365,000 | 2,234 |
| Total noninterest income | $1,716,000 | 1,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,716,000 | 1,215 |
| Total noninterest expense | $12,202,000 | 1,093 |
| Salaries and employee benefits | $7,736,000 | 855 |
| Premises and equipment expense | $2,028,000 | 980 |
| Additional noninterest expense | $2,438,000 | 1,740 |
| Pre-tax net operating income | $3,779,000 | 1,992 |
| Securities gains (losses) | $-71,000 | 10,709 |
| Applicable income taxes | $1,372,000 | 1,851 |
| Income before extraordinary items | $2,336,000 | 2,254 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,336,000 | 2,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,883 |
| Cash dividends | $1,124,000 | 1,981 |
| Sale, conversion, retirement of capital stock, net | $23,025,000 | 40 |
| Net operating income | $2,381,440 | 2,153 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $41,746,000 | 840 |
| Total interest expense | $28,782,000 | 641 |
| Net interest income | $12,964,000 | 1,383 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $-1,601,000 | 11,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $-1,601,000 | 11,478 |
| Total noninterest expense | $13,132,000 | 1,123 |
| Salaries and employee benefits | $6,114,000 | 1,099 |
| Premises and equipment expense | $1,878,000 | 1,116 |
| Additional noninterest expense | $5,140,000 | 1,109 |
| Pre-tax net operating income | $-2,009,000 | 11,402 |
| Securities gains (losses) | $649,000 | 354 |
| Applicable income taxes | $785,000 | 2,893 |
| Income before extraordinary items | $-2,145,000 | 11,404 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-2,145,000 | 11,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $701,000 | 2,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-2,794,000 | 11,410 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $36,102,000 | 989 |
| Total interest expense | $21,267,000 | 840 |
| Net interest income | $14,835,000 | 1,215 |
| Provision for loan and lease losses | $451,000 | 1,708 |
| Total noninterest income | $1,056,000 | 2,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,056,000 | 1,743 |
| Total noninterest expense | $11,000,000 | 1,299 |
| Salaries and employee benefits | $6,368,000 | 1,081 |
| Premises and equipment expense | $1,926,000 | 1,095 |
| Additional noninterest expense | $2,706,000 | 1,845 |
| Pre-tax net operating income | $4,440,000 | 1,656 |
| Securities gains (losses) | $-3,719,000 | 11,929 |
| Applicable income taxes | $378,000 | 5,146 |
| Income before extraordinary items | $343,000 | 8,545 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $343,000 | 8,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,817 |
| Cash dividends | $345,000 | 4,234 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,723,160 | 1,830 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $33,841,000 | 942 |
| Total interest expense | $19,238,000 | 742 |
| Net interest income | $14,603,000 | 1,244 |
| Provision for loan and lease losses | $500,000 | 1,533 |
| Total noninterest income | $2,943,000 | 1,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,943,000 | 885 |
| Total noninterest expense | $10,036,000 | 1,462 |
| Salaries and employee benefits | $5,628,000 | 1,202 |
| Premises and equipment expense | $1,739,000 | 1,207 |
| Additional noninterest expense | $2,669,000 | 2,027 |
| Pre-tax net operating income | $7,010,000 | 1,082 |
| Securities gains (losses) | $-1,273,000 | 12,430 |
| Applicable income taxes | $2,221,000 | 1,093 |
| Income before extraordinary items | $3,516,000 | 1,412 |
| Extraordinary gains, net | $-448,000 | 12,575 |
| Net income | $3,068,000 | 1,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,330,720 | 1,186 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $36,261,000 | 907 |
| Total interest expense | $21,493,000 | 671 |
| Net interest income | $14,768,000 | 1,232 |
| Provision for loan and lease losses | $103,000 | 5,680 |
| Total noninterest income | $1,422,000 | 2,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,422,000 | 1,615 |
| Total noninterest expense | $9,100,000 | 1,660 |
| Salaries and employee benefits | $4,964,000 | 1,355 |
| Premises and equipment expense | $1,635,000 | 1,306 |
| Additional noninterest expense | $2,501,000 | 2,229 |
| Pre-tax net operating income | $6,987,000 | 1,014 |
| Securities gains (losses) | $2,112,000 | 302 |
| Applicable income taxes | $2,559,000 | 982 |
| Income before extraordinary items | $6,540,000 | 798 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $6,540,000 | 830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,019,360 | 964 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $38,807,000 | 972 |
| Total interest expense | $25,445,000 | 740 |
| Net interest income | $13,362,000 | 1,385 |
| Provision for loan and lease losses | $1,959,000 | 1,169 |
| Total noninterest income | $1,150,000 | 2,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,150,000 | 1,818 |
| Total noninterest expense | $9,246,000 | 1,644 |
| Salaries and employee benefits | $4,466,000 | 1,484 |
| Premises and equipment expense | $1,562,000 | 1,390 |
| Additional noninterest expense | $3,218,000 | 1,886 |
| Pre-tax net operating income | $3,307,000 | 1,873 |
| Securities gains (losses) | $4,117,000 | 245 |
| Applicable income taxes | $2,119,000 | 1,066 |
| Income before extraordinary items | $5,305,000 | 902 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,305,000 | 905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 5,100 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,381,930 | 1,756 |
* 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.