Home > First Savings Bank of Rockingham County, SSB > Income and Expense

First Savings Bank of Rockingham County, SSB, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,830,000	7,020
Total interest expense	$2,465,000	5,565
Net interest income	$1,365,000	8,598
Provision for loan and lease losses	$8,000	8,671
Total noninterest income	$16,000	11,266
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	10,642
Total noninterest expense	$1,750,000	6,501
Salaries and employee benefits	$731,000	7,352
Premises and equipment expense	$43,000	10,829
Additional noninterest expense	$976,000	4,496
Pre-tax net operating income	$-377,000	11,184
Securities gains (losses)	$-8,000	10,177
Applicable income taxes	$-26,000	11,012
Income before extraordinary items	$-359,000	11,215
Extraordinary gains, net	$0	53
Net income	$-359,000	11,214
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	10,875
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$352,000	509
Net operating income	$-351,560	11,183
1995-12-31 (YTD Data)		Rank
Total interest income	$3,860,000	7,150
Total interest expense	$2,591,000	5,408
Net interest income	$1,269,000	9,162
Provision for loan and lease losses	$105,000	4,483
Total noninterest income	$19,000	11,786
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	10,339
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	10,950
Total noninterest expense	$1,086,000	8,629
Salaries and employee benefits	$511,000	9,014
Premises and equipment expense	$44,000	11,264
Additional noninterest expense	$531,000	7,024
Pre-tax net operating income	$97,000	11,103
Securities gains (losses)	$45,000	1,385
Applicable income taxes	$29,000	10,603
Income before extraordinary items	$113,000	10,810
Extraordinary gains, net	$0	65
Net income	$113,000	10,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,802
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$3,734,000	140
Net operating income	$77,000	11,100
1994-12-31 (YTD Data)		Rank
Total interest income	$3,774,000	6,971
Total interest expense	$2,281,000	5,017
Net interest income	$1,493,000	8,908
Provision for loan and lease losses	$75,000	5,153
Total noninterest income	$16,000	12,418
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	10,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	11,718
Total noninterest expense	$984,000	9,414
Salaries and employee benefits	$379,000	10,473
Premises and equipment expense	$47,000	11,731
Additional noninterest expense	$558,000	7,362
Pre-tax net operating income	$450,000	8,995
Securities gains (losses)	$0	3,600
Applicable income taxes	$190,000	7,515
Income before extraordinary items	$260,000	9,586
Extraordinary gains, net	$0	249
Net income	$260,000	9,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$260,000	9,642
1993-12-31 (YTD Data)		Rank
Total interest income	$3,940,000	6,938
Total interest expense	$2,224,000	5,331
Net interest income	$1,716,000	8,451
Provision for loan and lease losses	$25,000	8,682
Total noninterest income	$16,000	13,103
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	11,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,333
Total noninterest expense	$989,000	9,782
Salaries and employee benefits	$408,000	10,552
Premises and equipment expense	$27,000	12,925
Additional noninterest expense	$554,000	7,731
Pre-tax net operating income	$718,000	7,267
Securities gains (losses)	$0	7,477
Applicable income taxes	$269,000	6,503
Income before extraordinary items	$449,000	7,976
Extraordinary gains, net	$0	3,149
Net income	$449,000	8,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$449,000	7,718
1992-12-31 (YTD Data)		Rank
Total interest income	$4,330,000	7,101
Total interest expense	$2,514,000	5,969
Net interest income	$1,816,000	8,294
Provision for loan and lease losses	$85,000	7,723
Total noninterest income	$19,000	13,699
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	11,764
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$884,000	10,583
Salaries and employee benefits	$383,000	11,059
Premises and equipment expense	$63,000	12,143
Additional noninterest expense	$438,000	9,115
Pre-tax net operating income	$866,000	6,264
Securities gains (losses)	$0	8,369
Applicable income taxes	$348,000	5,383
Income before extraordinary items	$518,000	7,175
Extraordinary gains, net	$0	1,422
Net income	$518,000	7,269
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$518,000	6,800

* 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.