Home > Jamestown Savings Bank > Income and Expense
Jamestown Savings Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,363,000 | 1,438 |
| Total interest expense | $2,283,000 | 1,024 |
| Net interest income | $3,080,000 | 1,736 |
| Provision for loan and lease losses | $170,000 | 1,280 |
| Total noninterest income | $316,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $222,000 | 1,826 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,848 |
| Total noninterest expense | $1,945,000 | 2,125 |
| Salaries and employee benefits | $1,061,000 | 2,148 |
| Premises and equipment expense | $352,000 | 1,702 |
| Additional noninterest expense | $532,000 | 2,291 |
| Pre-tax net operating income | $1,281,000 | 1,776 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $361,000 | 1,728 |
| Income before extraordinary items | $920,000 | 1,840 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $920,000 | 1,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 1,310 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $920,000 | 1,796 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,245,000 | 1,503 |
| Total interest expense | $8,021,000 | 1,009 |
| Net interest income | $11,224,000 | 1,801 |
| Provision for loan and lease losses | $575,000 | 1,740 |
| Total noninterest income | $1,344,000 | 2,893 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $873,000 | 1,979 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $471,000 | 3,426 |
| Total noninterest expense | $7,404,000 | 2,151 |
| Salaries and employee benefits | $3,954,000 | 2,204 |
| Premises and equipment expense | $1,260,000 | 1,825 |
| Additional noninterest expense | $2,190,000 | 2,220 |
| Pre-tax net operating income | $4,589,000 | 1,827 |
| Securities gains (losses) | $250,000 | 719 |
| Applicable income taxes | $1,514,000 | 1,593 |
| Income before extraordinary items | $3,325,000 | 1,900 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,325,000 | 1,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,768 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,152,500 | 1,942 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,013,000 | 1,530 |
| Total interest expense | $5,817,000 | 1,022 |
| Net interest income | $8,196,000 | 1,838 |
| Provision for loan and lease losses | $395,000 | 1,804 |
| Total noninterest income | $997,000 | 2,938 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $645,000 | 2,028 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $352,000 | 3,426 |
| Total noninterest expense | $5,505,000 | 2,158 |
| Salaries and employee benefits | $2,936,000 | 2,213 |
| Premises and equipment expense | $927,000 | 1,863 |
| Additional noninterest expense | $1,642,000 | 2,203 |
| Pre-tax net operating income | $3,293,000 | 1,906 |
| Securities gains (losses) | $250,000 | 672 |
| Applicable income taxes | $1,107,000 | 1,642 |
| Income before extraordinary items | $2,436,000 | 1,949 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,436,000 | 1,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,941 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,263,500 | 2,018 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,101,000 | 1,551 |
| Total interest expense | $3,812,000 | 1,029 |
| Net interest income | $5,289,000 | 1,891 |
| Provision for loan and lease losses | $215,000 | 2,073 |
| Total noninterest income | $621,000 | 3,101 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $396,000 | 2,164 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $225,000 | 3,524 |
| Total noninterest expense | $3,579,000 | 2,205 |
| Salaries and employee benefits | $1,911,000 | 2,258 |
| Premises and equipment expense | $592,000 | 1,935 |
| Additional noninterest expense | $1,076,000 | 2,245 |
| Pre-tax net operating income | $2,116,000 | 1,949 |
| Securities gains (losses) | $250,000 | 555 |
| Applicable income taxes | $742,000 | 1,622 |
| Income before extraordinary items | $1,624,000 | 1,927 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,624,000 | 1,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,451,500 | 2,080 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,422,000 | 1,597 |
| Total interest expense | $1,846,000 | 1,078 |
| Net interest income | $2,576,000 | 1,936 |
| Provision for loan and lease losses | $110,000 | 1,956 |
| Total noninterest income | $296,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $184,000 | 2,241 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $112,000 | 3,473 |
| Total noninterest expense | $1,704,000 | 2,336 |
| Salaries and employee benefits | $934,000 | 2,330 |
| Premises and equipment expense | $294,000 | 1,968 |
| Additional noninterest expense | $476,000 | 2,485 |
| Pre-tax net operating income | $1,058,000 | 1,910 |
| Securities gains (losses) | $257,000 | 420 |
| Applicable income taxes | $442,000 | 1,434 |
| Income before extraordinary items | $873,000 | 1,797 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $873,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $703,380 | 2,090 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,102,000 | 1,769 |
| Total interest expense | $8,012,000 | 1,121 |
| Net interest income | $8,090,000 | 2,407 |
| Provision for loan and lease losses | $680,000 | 1,655 |
| Total noninterest income | $1,239,000 | 3,234 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $826,000 | 2,075 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $413,000 | 3,925 |
| Total noninterest expense | $6,470,000 | 2,427 |
| Salaries and employee benefits | $3,435,000 | 2,452 |
| Premises and equipment expense | $1,007,000 | 2,249 |
| Additional noninterest expense | $2,028,000 | 2,372 |
| Pre-tax net operating income | $2,179,000 | 3,195 |
| Securities gains (losses) | $130,000 | 1,670 |
| Applicable income taxes | $688,000 | 2,834 |
| Income before extraordinary items | $1,621,000 | 3,356 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,621,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,961 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,530,000 | 3,343 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,721,000 | 1,858 |
| Total interest expense | $5,993,000 | 1,170 |
| Net interest income | $5,728,000 | 2,540 |
| Provision for loan and lease losses | $540,000 | 1,554 |
| Total noninterest income | $939,000 | 3,262 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $636,000 | 2,025 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $303,000 | 4,029 |
| Total noninterest expense | $4,758,000 | 2,471 |
| Salaries and employee benefits | $2,531,000 | 2,492 |
| Premises and equipment expense | $729,000 | 2,322 |
| Additional noninterest expense | $1,498,000 | 2,401 |
| Pre-tax net operating income | $1,369,000 | 3,718 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $374,000 | 3,524 |
| Income before extraordinary items | $1,001,000 | 3,972 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,001,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $996,620 | 3,826 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,697,000 | 1,897 |
| Total interest expense | $3,921,000 | 1,224 |
| Net interest income | $3,776,000 | 2,565 |
| Provision for loan and lease losses | $375,000 | 1,474 |
| Total noninterest income | $609,000 | 3,308 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $418,000 | 2,009 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $191,000 | 4,126 |
| Total noninterest expense | $3,085,000 | 2,525 |
| Salaries and employee benefits | $1,645,000 | 2,552 |
| Premises and equipment expense | $465,000 | 2,402 |
| Additional noninterest expense | $975,000 | 2,422 |
| Pre-tax net operating income | $925,000 | 3,689 |
| Securities gains (losses) | $238,000 | 940 |
| Applicable income taxes | $321,000 | 3,108 |
| Income before extraordinary items | $842,000 | 3,364 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $842,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $670,640 | 3,805 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,829,000 | 1,919 |
| Total interest expense | $1,910,000 | 1,276 |
| Net interest income | $1,919,000 | 2,525 |
| Provision for loan and lease losses | $195,000 | 1,399 |
| Total noninterest income | $294,000 | 3,286 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $199,000 | 2,027 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $95,000 | 4,025 |
| Total noninterest expense | $1,547,000 | 2,502 |
| Salaries and employee benefits | $817,000 | 2,566 |
| Premises and equipment expense | $238,000 | 2,339 |
| Additional noninterest expense | $492,000 | 2,365 |
| Pre-tax net operating income | $471,000 | 3,641 |
| Securities gains (losses) | $204,000 | 646 |
| Applicable income taxes | $300,000 | 2,054 |
| Income before extraordinary items | $375,000 | 3,637 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $375,000 | 3,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $244,440 | 4,581 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,968,000 | 2,204 |
| Total interest expense | $6,895,000 | 1,654 |
| Net interest income | $7,073,000 | 2,703 |
| Provision for loan and lease losses | $535,000 | 2,276 |
| Total noninterest income | $1,091,000 | 3,287 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $775,000 | 2,062 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $316,000 | 4,145 |
| Total noninterest expense | $5,376,000 | 2,739 |
| Salaries and employee benefits | $2,881,000 | 2,735 |
| Premises and equipment expense | $763,000 | 2,782 |
| Additional noninterest expense | $1,732,000 | 2,627 |
| Pre-tax net operating income | $2,253,000 | 3,128 |
| Securities gains (losses) | $365,000 | 791 |
| Applicable income taxes | $723,000 | 2,779 |
| Income before extraordinary items | $1,895,000 | 2,926 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,895,000 | 2,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,898 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,632,200 | 3,184 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,222,000 | 3,551 |
| Total interest expense | $5,134,000 | 3,087 |
| Net interest income | $4,088,000 | 4,058 |
| Provision for loan and lease losses | $220,000 | 3,917 |
| Total noninterest income | $885,000 | 3,611 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $533,000 | 2,688 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $352,000 | 3,809 |
| Total noninterest expense | $4,431,000 | 3,120 |
| Salaries and employee benefits | $2,398,000 | 3,058 |
| Premises and equipment expense | $615,000 | 3,296 |
| Additional noninterest expense | $1,418,000 | 3,019 |
| Pre-tax net operating income | $322,000 | 7,309 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $324,000 | 6,991 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $324,000 | 6,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,877 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $322,000 | 6,879 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,025,000 | 4,574 |
| Total interest expense | $3,654,000 | 4,259 |
| Net interest income | $3,371,000 | 4,744 |
| Provision for loan and lease losses | $168,000 | 4,178 |
| Total noninterest income | $547,000 | 4,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 4,831 |
| Total noninterest expense | $3,522,000 | 3,686 |
| Salaries and employee benefits | $1,881,000 | 3,645 |
| Premises and equipment expense | $381,000 | 4,658 |
| Additional noninterest expense | $1,260,000 | 3,264 |
| Pre-tax net operating income | $228,000 | 8,243 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $228,000 | 7,908 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $228,000 | 7,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $228,000 | 7,913 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,516,000 | 5,220 |
| Total interest expense | $2,893,000 | 4,724 |
| Net interest income | $2,623,000 | 5,639 |
| Provision for loan and lease losses | $99,000 | 5,293 |
| Total noninterest income | $447,000 | 5,292 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 3,761 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,135 |
| Total noninterest expense | $3,105,000 | 4,097 |
| Salaries and employee benefits | $1,546,000 | 4,228 |
| Premises and equipment expense | $366,000 | 4,819 |
| Additional noninterest expense | $1,193,000 | 3,440 |
| Pre-tax net operating income | $-134,000 | 9,562 |
| Securities gains (losses) | $90,000 | 777 |
| Applicable income taxes | $-267,000 | 10,077 |
| Income before extraordinary items | $223,000 | 8,129 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $223,000 | 8,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $165,400 | 8,503 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,991,000 | 6,489 |
| Total interest expense | $2,274,000 | 5,704 |
| Net interest income | $1,717,000 | 7,249 |
| Provision for loan and lease losses | $103,000 | 5,042 |
| Total noninterest income | $262,000 | 6,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,095 |
| Total noninterest expense | $2,693,000 | 4,512 |
| Salaries and employee benefits | $1,465,000 | 4,317 |
| Premises and equipment expense | $267,000 | 5,734 |
| Additional noninterest expense | $961,000 | 4,087 |
| Pre-tax net operating income | $-817,000 | 10,307 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-817,000 | 10,337 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-817,000 | 10,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-817,000 | 10,314 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,806,000 | 7,996 |
| Total interest expense | $1,568,000 | 7,188 |
| Net interest income | $1,238,000 | 8,605 |
| Provision for loan and lease losses | $125,000 | 4,524 |
| Total noninterest income | $110,000 | 9,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,710 |
| Total noninterest expense | $1,620,000 | 6,489 |
| Salaries and employee benefits | $744,000 | 7,056 |
| Premises and equipment expense | $192,000 | 6,989 |
| Additional noninterest expense | $684,000 | 5,310 |
| Pre-tax net operating income | $-397,000 | 10,697 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-397,000 | 10,724 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-397,000 | 10,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-397,000 | 10,704 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,473,000 | 10,152 |
| Total interest expense | $727,000 | 9,889 |
| Net interest income | $746,000 | 10,262 |
| Provision for loan and lease losses | $95,000 | 5,238 |
| Total noninterest income | $101,000 | 9,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $1,697,000 | 6,614 |
| Salaries and employee benefits | $524,000 | 8,685 |
| Premises and equipment expense | $123,000 | 8,728 |
| Additional noninterest expense | $1,050,000 | 4,233 |
| Pre-tax net operating income | $-945,000 | 11,333 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-945,000 | 11,361 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-945,000 | 11,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $179,000 | 593 |
| Net operating income | $-945,000 | 11,338 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $78,000 | 11,946 |
| Total interest expense | $20,000 | 11,929 |
| Net interest income | $58,000 | 11,942 |
| Provision for loan and lease losses | $1,000 | 8,909 |
| Total noninterest income | $1,000 | 11,930 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,898 |
| Total noninterest expense | $195,000 | 11,878 |
| Salaries and employee benefits | $65,000 | 11,927 |
| Premises and equipment expense | $25,000 | 11,720 |
| Additional noninterest expense | $105,000 | 11,565 |
| Pre-tax net operating income | $-137,000 | 11,623 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-137,000 | 11,634 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-137,000 | 11,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $7,259,000 | 69 |
| Net operating income | $-137,000 | 11,618 |
* 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.