Home > Jacksonville Savings Bank, SSB > Income and Expense
Jacksonville Savings Bank, SSB, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $19,866,000 | 1,084 |
| Total interest expense | $8,583,000 | 810 |
| Net interest income | $11,283,000 | 1,302 |
| Provision for loan and lease losses | $132,000 | 4,199 |
| Total noninterest income | $2,176,000 | 1,778 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,052,000 | 1,250 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,124,000 | 1,891 |
| Total noninterest expense | $6,156,000 | 1,929 |
| Salaries and employee benefits | $3,757,000 | 1,730 |
| Premises and equipment expense | $666,000 | 2,529 |
| Additional noninterest expense | $1,733,000 | 2,073 |
| Pre-tax net operating income | $7,171,000 | 920 |
| Securities gains (losses) | $-1,000 | 8,731 |
| Applicable income taxes | $2,448,000 | 909 |
| Income before extraordinary items | $4,722,000 | 1,069 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,722,000 | 1,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,518 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 482 |
| Net operating income | $4,722,660 | 997 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,305,000 | 1,094 |
| Total interest expense | $5,782,000 | 833 |
| Net interest income | $7,523,000 | 1,300 |
| Provision for loan and lease losses | $87,000 | 4,198 |
| Total noninterest income | $1,413,000 | 1,807 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $695,000 | 1,240 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $718,000 | 1,931 |
| Total noninterest expense | $4,088,000 | 1,926 |
| Salaries and employee benefits | $2,494,000 | 1,720 |
| Premises and equipment expense | $447,000 | 2,500 |
| Additional noninterest expense | $1,147,000 | 2,084 |
| Pre-tax net operating income | $4,761,000 | 926 |
| Securities gains (losses) | $-1,000 | 8,850 |
| Applicable income taxes | $1,626,000 | 927 |
| Income before extraordinary items | $3,134,000 | 1,066 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,134,000 | 1,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,066 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 399 |
| Net operating income | $3,134,660 | 985 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,637,000 | 1,105 |
| Total interest expense | $2,911,000 | 850 |
| Net interest income | $3,726,000 | 1,312 |
| Provision for loan and lease losses | $42,000 | 4,061 |
| Total noninterest income | $691,000 | 1,794 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $335,000 | 1,249 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $356,000 | 1,879 |
| Total noninterest expense | $2,026,000 | 1,931 |
| Salaries and employee benefits | $1,228,000 | 1,734 |
| Premises and equipment expense | $232,000 | 2,397 |
| Additional noninterest expense | $566,000 | 2,081 |
| Pre-tax net operating income | $2,349,000 | 945 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $796,000 | 964 |
| Income before extraordinary items | $1,553,000 | 1,067 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,553,000 | 1,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 269 |
| Net operating income | $1,553,000 | 994 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $28,001,000 | 1,103 |
| Total interest expense | $13,320,000 | 855 |
| Net interest income | $14,681,000 | 1,320 |
| Provision for loan and lease losses | $109,000 | 5,586 |
| Total noninterest income | $2,567,000 | 1,767 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,222,000 | 1,336 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,345,000 | 1,796 |
| Total noninterest expense | $7,497,000 | 2,005 |
| Salaries and employee benefits | $4,486,000 | 1,788 |
| Premises and equipment expense | $855,000 | 2,529 |
| Additional noninterest expense | $2,156,000 | 2,153 |
| Pre-tax net operating income | $9,642,000 | 901 |
| Securities gains (losses) | $-8,000 | 8,882 |
| Applicable income taxes | $3,290,000 | 857 |
| Income before extraordinary items | $6,344,000 | 985 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,344,000 | 987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,987 |
| Cash dividends | $3,000,000 | 917 |
| Sale, conversion, retirement of capital stock, net | $154,000 | 593 |
| Net operating income | $6,349,280 | 944 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,395,000 | 1,339 |
| Total interest expense | $14,357,000 | 1,117 |
| Net interest income | $11,038,000 | 1,614 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $2,004,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,002,000 | 1,469 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,002,000 | 2,040 |
| Total noninterest expense | $6,451,000 | 2,221 |
| Salaries and employee benefits | $4,042,000 | 1,852 |
| Premises and equipment expense | $778,000 | 2,703 |
| Additional noninterest expense | $1,631,000 | 2,669 |
| Pre-tax net operating income | $6,501,000 | 1,147 |
| Securities gains (losses) | $42,000 | 2,526 |
| Applicable income taxes | $2,286,000 | 1,055 |
| Income before extraordinary items | $4,257,000 | 1,282 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,257,000 | 1,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,426 |
| Cash dividends | $3,250,000 | 859 |
| Sale, conversion, retirement of capital stock, net | $255,000 | 557 |
| Net operating income | $4,229,700 | 1,237 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,037,000 | 1,497 |
| Total interest expense | $12,838,000 | 1,353 |
| Net interest income | $10,199,000 | 1,729 |
| Provision for loan and lease losses | $72,000 | 5,921 |
| Total noninterest income | $1,280,000 | 2,632 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $607,000 | 2,267 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $673,000 | 2,440 |
| Total noninterest expense | $6,021,000 | 2,273 |
| Salaries and employee benefits | $3,754,000 | 1,916 |
| Premises and equipment expense | $708,000 | 2,852 |
| Additional noninterest expense | $1,559,000 | 2,714 |
| Pre-tax net operating income | $5,386,000 | 1,372 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,738,000 | 1,325 |
| Income before extraordinary items | $3,648,000 | 1,449 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,648,000 | 1,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,349 |
| Cash dividends | $3,250,000 | 894 |
| Sale, conversion, retirement of capital stock, net | $249,000 | 615 |
| Net operating income | $3,648,000 | 1,443 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,347,000 | 1,533 |
| Total interest expense | $11,153,000 | 1,341 |
| Net interest income | $10,194,000 | 1,708 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $1,271,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $517,000 | 2,553 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $754,000 | 2,252 |
| Total noninterest expense | $5,719,000 | 2,372 |
| Salaries and employee benefits | $3,612,000 | 1,941 |
| Premises and equipment expense | $609,000 | 3,205 |
| Additional noninterest expense | $1,498,000 | 2,867 |
| Pre-tax net operating income | $5,686,000 | 1,341 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,018,000 | 1,222 |
| Income before extraordinary items | $3,668,000 | 1,471 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,668,000 | 1,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $5,325,000 | 619 |
| Sale, conversion, retirement of capital stock, net | $301,000 | 674 |
| Net operating income | $3,668,000 | 1,446 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,199,000 | 1,690 |
| Total interest expense | $9,959,000 | 1,530 |
| Net interest income | $9,240,000 | 1,848 |
| Provision for loan and lease losses | $50,000 | 6,568 |
| Total noninterest income | $1,244,000 | 2,615 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $371,000 | 3,347 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $873,000 | 2,040 |
| Total noninterest expense | $5,422,000 | 2,406 |
| Salaries and employee benefits | $3,518,000 | 1,887 |
| Premises and equipment expense | $491,000 | 3,759 |
| Additional noninterest expense | $1,413,000 | 2,927 |
| Pre-tax net operating income | $5,012,000 | 1,474 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,642,000 | 1,488 |
| Income before extraordinary items | $3,370,000 | 1,565 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,370,000 | 1,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $2,309,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $479,000 | 572 |
| Net operating income | $3,370,000 | 1,504 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,832,000 | 1,851 |
| Total interest expense | $9,143,000 | 1,702 |
| Net interest income | $8,689,000 | 2,000 |
| Provision for loan and lease losses | $105,000 | 5,052 |
| Total noninterest income | $1,174,000 | 2,678 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $264,000 | 4,473 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $910,000 | 1,849 |
| Total noninterest expense | $4,916,000 | 2,610 |
| Salaries and employee benefits | $3,081,000 | 2,148 |
| Premises and equipment expense | $476,000 | 3,877 |
| Additional noninterest expense | $1,359,000 | 2,985 |
| Pre-tax net operating income | $4,842,000 | 1,593 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,539,000 | 1,679 |
| Income before extraordinary items | $3,303,000 | 1,637 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,303,000 | 1,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $665,000 | 2,878 |
| Sale, conversion, retirement of capital stock, net | $439,000 | 570 |
| Net operating income | $3,303,000 | 1,599 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,897,000 | 2,120 |
| Total interest expense | $8,473,000 | 1,858 |
| Net interest income | $7,424,000 | 2,423 |
| Provision for loan and lease losses | $105,000 | 4,971 |
| Total noninterest income | $1,064,000 | 2,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,064,000 | 1,736 |
| Total noninterest expense | $5,922,000 | 2,327 |
| Salaries and employee benefits | $3,165,000 | 2,113 |
| Premises and equipment expense | $927,000 | 2,150 |
| Additional noninterest expense | $1,830,000 | 2,657 |
| Pre-tax net operating income | $2,461,000 | 2,809 |
| Securities gains (losses) | $134,000 | 841 |
| Applicable income taxes | $834,000 | 2,743 |
| Income before extraordinary items | $1,761,000 | 2,758 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,761,000 | 2,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $111,000 | 6,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,669,880 | 2,852 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,566,000 | 2,464 |
| Total interest expense | $7,677,000 | 2,039 |
| Net interest income | $5,889,000 | 3,023 |
| Provision for loan and lease losses | $26,000 | 7,298 |
| Total noninterest income | $827,000 | 3,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $827,000 | 2,053 |
| Total noninterest expense | $4,807,000 | 2,819 |
| Salaries and employee benefits | $2,906,000 | 2,280 |
| Premises and equipment expense | $901,000 | 2,225 |
| Additional noninterest expense | $1,000,000 | 4,348 |
| Pre-tax net operating income | $1,883,000 | 3,688 |
| Securities gains (losses) | $145,000 | 792 |
| Applicable income taxes | $550,000 | 3,907 |
| Income before extraordinary items | $1,478,000 | 3,287 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,478,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,894 |
| Cash dividends | $550,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,372,150 | 3,504 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,339,000 | 2,464 |
| Total interest expense | $5,604,000 | 2,217 |
| Net interest income | $6,735,000 | 2,691 |
| Provision for loan and lease losses | $-46,000 | 11,975 |
| Total noninterest income | $712,000 | 4,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $712,000 | 2,304 |
| Total noninterest expense | $4,530,000 | 3,040 |
| Salaries and employee benefits | $2,774,000 | 2,417 |
| Premises and equipment expense | $813,000 | 2,496 |
| Additional noninterest expense | $943,000 | 4,962 |
| Pre-tax net operating income | $2,963,000 | 2,405 |
| Securities gains (losses) | $251,000 | 429 |
| Applicable income taxes | $1,158,000 | 1,950 |
| Income before extraordinary items | $2,056,000 | 2,363 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,056,000 | 2,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-138,000 | 12,321 |
| Cash dividends | $215,000 | 5,286 |
| Sale, conversion, retirement of capital stock, net | $6,277,000 | 144 |
| Net operating income | $1,895,360 | 2,579 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,698,000 | 2,266 |
| Total interest expense | $6,523,000 | 1,986 |
| Net interest income | $7,175,000 | 2,502 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $765,000 | 4,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $765,000 | 2,456 |
| Total noninterest expense | $4,622,000 | 3,050 |
| Salaries and employee benefits | $2,280,000 | 2,901 |
| Premises and equipment expense | $707,000 | 2,849 |
| Additional noninterest expense | $1,635,000 | 3,254 |
| Pre-tax net operating income | $3,168,000 | 2,150 |
| Securities gains (losses) | $629,000 | 776 |
| Applicable income taxes | $1,655,000 | 1,436 |
| Income before extraordinary items | $2,142,000 | 2,332 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,142,000 | 2,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 3,162 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,739,440 | 2,692 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,428,000 | 2,287 |
| Total interest expense | $8,617,000 | 1,974 |
| Net interest income | $6,811,000 | 2,673 |
| Provision for loan and lease losses | $675,000 | 2,435 |
| Total noninterest income | $637,000 | 4,745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $637,000 | 2,717 |
| Total noninterest expense | $3,474,000 | 3,958 |
| Salaries and employee benefits | $1,896,000 | 3,368 |
| Premises and equipment expense | $698,000 | 2,930 |
| Additional noninterest expense | $880,000 | 5,629 |
| Pre-tax net operating income | $3,299,000 | 1,878 |
| Securities gains (losses) | $137,000 | 2,533 |
| Applicable income taxes | $1,224,000 | 1,722 |
| Income before extraordinary items | $2,212,000 | 2,078 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,212,000 | 2,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,124,320 | 1,988 |
* 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.