Home > International Savings Bank, F.S.B. > Income and Expense
International Savings Bank, F.S.B., Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,389,000 | 1,765 |
| Total interest expense | $12,261,000 | 1,077 |
| Net interest income | $5,128,000 | 3,477 |
| Provision for loan and lease losses | $2,723,000 | 464 |
| Total noninterest income | $694,000 | 4,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $694,000 | 2,349 |
| Total noninterest expense | $8,397,000 | 1,740 |
| Salaries and employee benefits | $3,364,000 | 1,982 |
| Premises and equipment expense | $1,350,000 | 1,542 |
| Additional noninterest expense | $3,683,000 | 1,513 |
| Pre-tax net operating income | $-5,298,000 | 12,579 |
| Securities gains (losses) | $123,000 | 689 |
| Applicable income taxes | $-1,257,000 | 12,535 |
| Income before extraordinary items | $-3,918,000 | 12,542 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-3,918,000 | 12,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,199,000 | 782 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 906 |
| Net operating income | $-4,011,480 | 12,539 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,659,000 | 1,519 |
| Total interest expense | $13,534,000 | 999 |
| Net interest income | $7,125,000 | 2,518 |
| Provision for loan and lease losses | $3,121,000 | 593 |
| Total noninterest income | $683,000 | 4,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $683,000 | 2,640 |
| Total noninterest expense | $7,413,000 | 1,985 |
| Salaries and employee benefits | $3,224,000 | 2,053 |
| Premises and equipment expense | $1,235,000 | 1,698 |
| Additional noninterest expense | $2,954,000 | 1,939 |
| Pre-tax net operating income | $-2,726,000 | 13,122 |
| Securities gains (losses) | $397,000 | 1,057 |
| Applicable income taxes | $-960,000 | 13,175 |
| Income before extraordinary items | $-1,369,000 | 13,042 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,369,000 | 13,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,635,000 | 374 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 915 |
| Net operating income | $-1,623,080 | 13,034 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,725,000 | 1,477 |
| Total interest expense | $16,325,000 | 1,100 |
| Net interest income | $8,400,000 | 2,166 |
| Provision for loan and lease losses | $4,810,000 | 609 |
| Total noninterest income | $764,000 | 4,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $764,000 | 2,369 |
| Total noninterest expense | $6,409,000 | 2,282 |
| Salaries and employee benefits | $2,823,000 | 2,305 |
| Premises and equipment expense | $1,139,000 | 1,854 |
| Additional noninterest expense | $2,447,000 | 2,362 |
| Pre-tax net operating income | $-2,055,000 | 13,643 |
| Securities gains (losses) | $282,000 | 1,595 |
| Applicable income taxes | $-736,000 | 13,799 |
| Income before extraordinary items | $-1,037,000 | 13,563 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,037,000 | 13,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $545,000 | 2,604 |
| Sale, conversion, retirement of capital stock, net | $-25,000 | 13,794 |
| Net operating income | $-1,217,480 | 13,526 |
* 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.