Home > Goshen Savings Bank > Income and Expense
Goshen Savings Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,641,000 | 2,758 |
| Total interest expense | $7,139,000 | 2,371 |
| Net interest income | $5,502,000 | 3,202 |
| Provision for loan and lease losses | $135,000 | 4,606 |
| Total noninterest income | $714,000 | 3,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $714,000 | 2,323 |
| Total noninterest expense | $3,276,000 | 3,935 |
| Salaries and employee benefits | $1,724,000 | 3,907 |
| Premises and equipment expense | $438,000 | 4,212 |
| Additional noninterest expense | $1,114,000 | 3,664 |
| Pre-tax net operating income | $2,805,000 | 2,522 |
| Securities gains (losses) | $138,000 | 494 |
| Applicable income taxes | $1,207,000 | 1,817 |
| Income before extraordinary items | $1,736,000 | 2,881 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,736,000 | 2,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,819 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,647,680 | 2,998 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,310,000 | 3,131 |
| Total interest expense | $5,211,000 | 2,802 |
| Net interest income | $5,099,000 | 3,398 |
| Provision for loan and lease losses | $140,000 | 4,418 |
| Total noninterest income | $718,000 | 3,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $718,000 | 2,333 |
| Total noninterest expense | $2,846,000 | 4,404 |
| Salaries and employee benefits | $1,386,000 | 4,626 |
| Premises and equipment expense | $391,000 | 4,622 |
| Additional noninterest expense | $1,069,000 | 3,794 |
| Pre-tax net operating income | $2,831,000 | 2,530 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,067,000 | 2,115 |
| Income before extraordinary items | $1,764,000 | 2,856 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,764,000 | 2,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,764,000 | 2,828 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,089,000 | 3,899 |
| Total interest expense | $3,766,000 | 3,869 |
| Net interest income | $4,323,000 | 3,867 |
| Provision for loan and lease losses | $110,000 | 4,906 |
| Total noninterest income | $496,000 | 4,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $496,000 | 2,997 |
| Total noninterest expense | $3,896,000 | 3,287 |
| Salaries and employee benefits | $1,862,000 | 3,566 |
| Premises and equipment expense | $362,000 | 4,769 |
| Additional noninterest expense | $1,672,000 | 2,493 |
| Pre-tax net operating income | $813,000 | 6,044 |
| Securities gains (losses) | $157,000 | 1,028 |
| Applicable income taxes | $388,000 | 4,507 |
| Income before extraordinary items | $582,000 | 6,144 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $582,000 | 6,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,851 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $481,520 | 6,615 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,569,000 | 5,362 |
| Total interest expense | $2,451,000 | 5,497 |
| Net interest income | $3,118,000 | 5,142 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $304,000 | 6,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $304,000 | 3,901 |
| Total noninterest expense | $2,384,000 | 4,976 |
| Salaries and employee benefits | $1,477,000 | 4,314 |
| Premises and equipment expense | $317,000 | 5,258 |
| Additional noninterest expense | $590,000 | 5,872 |
| Pre-tax net operating income | $998,000 | 5,838 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $404,000 | 4,858 |
| Income before extraordinary items | $594,000 | 6,406 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $594,000 | 6,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $10,723,000 | 80 |
| Net operating income | $594,000 | 6,353 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,481,000 | 4,873 |
| Total interest expense | $3,311,000 | 4,392 |
| Net interest income | $3,170,000 | 5,226 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $458,000 | 5,472 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $147,000 | 6,520 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $311,000 | 3,987 |
| Total noninterest expense | $2,565,000 | 4,904 |
| Salaries and employee benefits | $1,446,000 | 4,466 |
| Premises and equipment expense | $411,000 | 4,445 |
| Additional noninterest expense | $708,000 | 5,698 |
| Pre-tax net operating income | $1,053,000 | 5,558 |
| Securities gains (losses) | $115,000 | 893 |
| Applicable income taxes | $473,000 | 4,334 |
| Income before extraordinary items | $695,000 | 5,780 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $695,000 | 5,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $621,400 | 6,091 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,997,000 | 5,215 |
| Total interest expense | $3,486,000 | 4,175 |
| Net interest income | $2,511,000 | 6,293 |
| Provision for loan and lease losses | $33,000 | 6,978 |
| Total noninterest income | $200,000 | 8,426 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $147,000 | 6,741 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $53,000 | 9,088 |
| Total noninterest expense | $3,547,000 | 3,699 |
| Salaries and employee benefits | $2,085,000 | 3,177 |
| Premises and equipment expense | $400,000 | 4,538 |
| Additional noninterest expense | $1,062,000 | 4,149 |
| Pre-tax net operating income | $-869,000 | 11,858 |
| Securities gains (losses) | $14,000 | 2,143 |
| Applicable income taxes | $-342,000 | 11,848 |
| Income before extraordinary items | $-513,000 | 11,798 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-513,000 | 11,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-521,960 | 11,795 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,860,000 | 4,972 |
| Total interest expense | $2,715,000 | 4,320 |
| Net interest income | $3,145,000 | 5,410 |
| Provision for loan and lease losses | $35,000 | 6,861 |
| Total noninterest income | $189,000 | 8,934 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $106,000 | 7,946 |
| Trading account gains and fees | $-13,000 | 4,820 |
| Additional Noninterest Income | $96,000 | 7,636 |
| Total noninterest expense | $2,743,000 | 4,771 |
| Salaries and employee benefits | $1,443,000 | 4,432 |
| Premises and equipment expense | $417,000 | 4,424 |
| Additional noninterest expense | $883,000 | 5,259 |
| Pre-tax net operating income | $556,000 | 8,272 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $241,000 | 6,672 |
| Income before extraordinary items | $327,000 | 8,851 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $327,000 | 8,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $319,320 | 9,005 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,519,000 | 4,603 |
| Total interest expense | $2,905,000 | 4,233 |
| Net interest income | $3,614,000 | 4,819 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $233,000 | 8,661 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 6,291 |
| Total noninterest expense | $2,713,000 | 4,907 |
| Salaries and employee benefits | $1,356,000 | 4,704 |
| Premises and equipment expense | $394,000 | 4,776 |
| Additional noninterest expense | $963,000 | 5,083 |
| Pre-tax net operating income | $1,124,000 | 5,428 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $420,000 | 4,830 |
| Income before extraordinary items | $709,000 | 6,064 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $709,000 | 6,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $705,800 | 5,810 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,066,000 | 4,792 |
| Total interest expense | $3,691,000 | 4,365 |
| Net interest income | $3,375,000 | 5,171 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $270,000 | 8,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 9,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 5,639 |
| Total noninterest expense | $2,486,000 | 5,336 |
| Salaries and employee benefits | $1,218,000 | 5,093 |
| Premises and equipment expense | $361,000 | 5,234 |
| Additional noninterest expense | $907,000 | 5,487 |
| Pre-tax net operating income | $1,123,000 | 5,173 |
| Securities gains (losses) | $-27,000 | 13,553 |
| Applicable income taxes | $450,000 | 4,365 |
| Income before extraordinary items | $646,000 | 6,252 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $646,000 | 6,323 |
| 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 | $663,280 | 5,799 |
* 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.