Home > Fort Thomas Savings Bank, F.S.B. > Income and Expense
Fort Thomas Savings Bank, F.S.B., Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,045,000 | 3,884 |
| Total interest expense | $4,336,000 | 3,351 |
| Net interest income | $3,709,000 | 4,450 |
| Provision for loan and lease losses | $68,000 | 5,976 |
| Total noninterest income | $271,000 | 6,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $271,000 | 4,257 |
| Total noninterest expense | $2,204,000 | 5,321 |
| Salaries and employee benefits | $1,280,000 | 4,923 |
| Premises and equipment expense | $197,000 | 6,860 |
| Additional noninterest expense | $727,000 | 5,124 |
| Pre-tax net operating income | $1,708,000 | 3,762 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $558,000 | 3,387 |
| Income before extraordinary items | $1,150,000 | 4,001 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,150,000 | 4,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,295 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,150,000 | 3,966 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,469,000 | 3,725 |
| Total interest expense | $4,539,000 | 3,268 |
| Net interest income | $3,930,000 | 4,182 |
| Provision for loan and lease losses | $284,000 | 2,751 |
| Total noninterest income | $230,000 | 7,214 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $230,000 | 4,619 |
| Total noninterest expense | $1,965,000 | 5,662 |
| Salaries and employee benefits | $1,104,000 | 5,387 |
| Premises and equipment expense | $179,000 | 7,070 |
| Additional noninterest expense | $682,000 | 5,265 |
| Pre-tax net operating income | $1,911,000 | 3,455 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $696,000 | 3,040 |
| Income before extraordinary items | $1,215,000 | 3,889 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,215,000 | 3,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,378 |
| Cash dividends | $4,200,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,215,000 | 3,800 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,009,000 | 3,964 |
| Total interest expense | $4,251,000 | 3,459 |
| Net interest income | $3,758,000 | 4,464 |
| Provision for loan and lease losses | $137,000 | 4,339 |
| Total noninterest income | $236,000 | 7,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $236,000 | 4,529 |
| Total noninterest expense | $1,880,000 | 5,895 |
| Salaries and employee benefits | $995,000 | 5,893 |
| Premises and equipment expense | $354,000 | 4,848 |
| Additional noninterest expense | $531,000 | 6,270 |
| Pre-tax net operating income | $1,977,000 | 3,572 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $715,000 | 3,188 |
| Income before extraordinary items | $1,262,000 | 3,889 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,262,000 | 3,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,380 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,262,000 | 3,819 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,035,000 | 4,556 |
| Total interest expense | $3,576,000 | 4,107 |
| Net interest income | $3,459,000 | 4,863 |
| Provision for loan and lease losses | $132,000 | 4,386 |
| Total noninterest income | $274,000 | 7,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $274,000 | 4,293 |
| Total noninterest expense | $2,354,000 | 5,256 |
| Salaries and employee benefits | $1,055,000 | 5,768 |
| Premises and equipment expense | $275,000 | 5,903 |
| Additional noninterest expense | $1,024,000 | 4,323 |
| Pre-tax net operating income | $1,247,000 | 4,995 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $402,000 | 4,875 |
| Income before extraordinary items | $845,000 | 5,094 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $845,000 | 5,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $3,000,000 | 948 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $845,000 | 5,041 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,351,000 | 4,947 |
| Total interest expense | $3,364,000 | 4,311 |
| Net interest income | $2,987,000 | 5,511 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $217,000 | 8,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $217,000 | 4,883 |
| Total noninterest expense | $1,770,000 | 6,545 |
| Salaries and employee benefits | $960,000 | 6,248 |
| Premises and equipment expense | $215,000 | 6,926 |
| Additional noninterest expense | $595,000 | 6,569 |
| Pre-tax net operating income | $1,410,000 | 4,665 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $491,000 | 4,256 |
| Income before extraordinary items | $922,000 | 4,897 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $922,000 | 4,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $98,000 | 6,903 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $920,050 | 4,899 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,398,000 | 5,322 |
| Total interest expense | $2,627,000 | 4,444 |
| Net interest income | $2,771,000 | 5,968 |
| Provision for loan and lease losses | $126,000 | 3,941 |
| Total noninterest income | $195,000 | 8,813 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $195,000 | 5,356 |
| Total noninterest expense | $1,624,000 | 7,218 |
| Salaries and employee benefits | $835,000 | 7,011 |
| Premises and equipment expense | $168,000 | 8,131 |
| Additional noninterest expense | $621,000 | 6,882 |
| Pre-tax net operating income | $1,216,000 | 5,195 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $427,000 | 4,546 |
| Income before extraordinary items | $789,000 | 5,415 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $789,000 | 5,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $789,000 | 5,479 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,613,000 | 5,237 |
| Total interest expense | $2,667,000 | 4,552 |
| Net interest income | $2,946,000 | 5,737 |
| Provision for loan and lease losses | $37,000 | 8,073 |
| Total noninterest income | $143,000 | 10,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $143,000 | 6,719 |
| Total noninterest expense | $1,456,000 | 7,981 |
| Salaries and employee benefits | $783,000 | 7,421 |
| Premises and equipment expense | $164,000 | 8,533 |
| Additional noninterest expense | $509,000 | 8,119 |
| Pre-tax net operating income | $1,596,000 | 4,095 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $531,000 | 3,970 |
| Income before extraordinary items | $1,065,000 | 4,439 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,065,000 | 4,566 |
| 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 | $1,065,000 | 4,214 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,689,000 | 5,734 |
| Total interest expense | $3,227,000 | 4,865 |
| Net interest income | $2,462,000 | 6,674 |
| Provision for loan and lease losses | $34,000 | 9,820 |
| Total noninterest income | $136,000 | 10,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $136,000 | 6,990 |
| Total noninterest expense | $1,269,000 | 8,768 |
| Salaries and employee benefits | $566,000 | 9,121 |
| Premises and equipment expense | $127,000 | 9,784 |
| Additional noninterest expense | $576,000 | 7,725 |
| Pre-tax net operating income | $1,295,000 | 4,620 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $397,000 | 4,820 |
| Income before extraordinary items | $898,000 | 4,941 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $898,000 | 4,993 |
| 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 | $898,000 | 4,628 |
* 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.