Home > Marshall Savings Bank, F.S.B. > Income and Expense
Marshall Savings Bank, F.S.B., Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 5,043 |
| Total interest expense | $374,000 | 4,513 |
| Net interest income | $810,000 | 5,160 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $275,000 | 3,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $275,000 | 1,989 |
| Total noninterest expense | $744,000 | 4,715 |
| Salaries and employee benefits | $396,000 | 4,776 |
| Premises and equipment expense | $165,000 | 3,314 |
| Additional noninterest expense | $183,000 | 5,379 |
| Pre-tax net operating income | $311,000 | 4,732 |
| Securities gains (losses) | $57,000 | 1,119 |
| Applicable income taxes | $122,000 | 3,464 |
| Income before extraordinary items | $246,000 | 4,798 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $246,000 | 4,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $207,810 | 5,126 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,254,000 | 4,723 |
| Total interest expense | $1,811,000 | 4,335 |
| Net interest income | $3,443,000 | 4,855 |
| Provision for loan and lease losses | $175,000 | 4,313 |
| Total noninterest income | $1,185,000 | 3,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,185,000 | 2,140 |
| Total noninterest expense | $3,047,000 | 4,563 |
| Salaries and employee benefits | $1,628,000 | 4,576 |
| Premises and equipment expense | $642,000 | 3,327 |
| Additional noninterest expense | $777,000 | 5,150 |
| Pre-tax net operating income | $1,406,000 | 4,298 |
| Securities gains (losses) | $1,179,000 | 424 |
| Applicable income taxes | $968,000 | 2,230 |
| Income before extraordinary items | $1,617,000 | 3,366 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,617,000 | 3,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,797 |
| Cash dividends | $973,000 | 2,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $862,440 | 4,888 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,066,000 | 4,673 |
| Total interest expense | $1,404,000 | 4,349 |
| Net interest income | $2,662,000 | 4,760 |
| Provision for loan and lease losses | $155,000 | 3,838 |
| Total noninterest income | $800,000 | 3,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $800,000 | 2,371 |
| Total noninterest expense | $2,271,000 | 4,564 |
| Salaries and employee benefits | $1,204,000 | 4,606 |
| Premises and equipment expense | $484,000 | 3,306 |
| Additional noninterest expense | $583,000 | 5,110 |
| Pre-tax net operating income | $1,036,000 | 4,460 |
| Securities gains (losses) | $1,118,000 | 407 |
| Applicable income taxes | $789,000 | 2,224 |
| Income before extraordinary items | $1,365,000 | 3,184 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,365,000 | 3,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,128 |
| Cash dividends | $973,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $649,480 | 5,002 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,820,000 | 4,579 |
| Total interest expense | $962,000 | 4,376 |
| Net interest income | $1,858,000 | 4,614 |
| Provision for loan and lease losses | $125,000 | 3,389 |
| Total noninterest income | $531,000 | 3,618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $531,000 | 2,366 |
| Total noninterest expense | $1,506,000 | 4,577 |
| Salaries and employee benefits | $790,000 | 4,657 |
| Premises and equipment expense | $336,000 | 3,188 |
| Additional noninterest expense | $380,000 | 5,197 |
| Pre-tax net operating income | $758,000 | 4,208 |
| Securities gains (losses) | $785,000 | 430 |
| Applicable income taxes | $565,000 | 2,137 |
| Income before extraordinary items | $978,000 | 3,031 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $978,000 | 3,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $973,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $475,600 | 4,719 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,395,000 | 4,640 |
| Total interest expense | $492,000 | 4,391 |
| Net interest income | $903,000 | 4,701 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $288,000 | 3,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $288,000 | 2,167 |
| Total noninterest expense | $757,000 | 4,541 |
| Salaries and employee benefits | $384,000 | 4,751 |
| Premises and equipment expense | $174,000 | 3,100 |
| Additional noninterest expense | $199,000 | 4,978 |
| Pre-tax net operating income | $389,000 | 4,096 |
| Securities gains (losses) | $365,000 | 445 |
| Applicable income taxes | $270,000 | 2,196 |
| Income before extraordinary items | $484,000 | 3,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $484,000 | 3,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $250,400 | 4,514 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,238,000 | 4,438 |
| Total interest expense | $2,563,000 | 4,022 |
| Net interest income | $3,675,000 | 4,609 |
| Provision for loan and lease losses | $89,000 | 5,940 |
| Total noninterest income | $1,147,000 | 3,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,147,000 | 1,994 |
| Total noninterest expense | $3,199,000 | 4,251 |
| Salaries and employee benefits | $1,549,000 | 4,574 |
| Premises and equipment expense | $613,000 | 3,352 |
| Additional noninterest expense | $1,037,000 | 4,054 |
| Pre-tax net operating income | $1,534,000 | 4,046 |
| Securities gains (losses) | $993,000 | 426 |
| Applicable income taxes | $928,000 | 2,336 |
| Income before extraordinary items | $1,599,000 | 3,332 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,599,000 | 3,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,978 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $963,480 | 4,576 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,904,000 | 4,476 |
| Total interest expense | $3,422,000 | 4,279 |
| Net interest income | $3,482,000 | 4,572 |
| Provision for loan and lease losses | $105,000 | 5,502 |
| Total noninterest income | $1,084,000 | 3,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,084,000 | 1,926 |
| Total noninterest expense | $2,226,000 | 5,349 |
| Salaries and employee benefits | $1,210,000 | 5,295 |
| Premises and equipment expense | $454,000 | 4,209 |
| Additional noninterest expense | $562,000 | 6,082 |
| Pre-tax net operating income | $2,235,000 | 2,917 |
| Securities gains (losses) | $559,000 | 572 |
| Applicable income taxes | $1,002,000 | 2,063 |
| Income before extraordinary items | $1,792,000 | 2,798 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,792,000 | 2,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,710 |
| Cash dividends | $817,000 | 2,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,434,240 | 3,238 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,087,000 | 4,537 |
| Total interest expense | $3,674,000 | 4,245 |
| Net interest income | $3,413,000 | 4,696 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $781,000 | 3,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $781,000 | 2,184 |
| Total noninterest expense | $1,963,000 | 5,749 |
| Salaries and employee benefits | $1,040,000 | 5,768 |
| Premises and equipment expense | $447,000 | 4,161 |
| Additional noninterest expense | $476,000 | 6,608 |
| Pre-tax net operating income | $2,195,000 | 3,089 |
| Securities gains (losses) | $77,000 | 619 |
| Applicable income taxes | $827,000 | 2,455 |
| Income before extraordinary items | $1,445,000 | 3,351 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,445,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-133,000 | 9,787 |
| Cash dividends | $741,000 | 2,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,395,720 | 3,431 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,319,000 | 4,784 |
| Total interest expense | $3,231,000 | 4,326 |
| Net interest income | $3,088,000 | 5,037 |
| Provision for loan and lease losses | $72,000 | 5,852 |
| Total noninterest income | $529,000 | 4,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $529,000 | 2,855 |
| Total noninterest expense | $2,028,000 | 5,640 |
| Salaries and employee benefits | $1,107,000 | 5,460 |
| Premises and equipment expense | $443,000 | 4,184 |
| Additional noninterest expense | $478,000 | 6,687 |
| Pre-tax net operating income | $1,517,000 | 4,060 |
| Securities gains (losses) | $149,000 | 613 |
| Applicable income taxes | $646,000 | 3,064 |
| Income before extraordinary items | $1,020,000 | 4,368 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,020,000 | 4,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,057 |
| Cash dividends | $516,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $924,640 | 4,631 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,208,000 | 4,869 |
| Total interest expense | $3,091,000 | 4,609 |
| Net interest income | $3,117,000 | 4,998 |
| Provision for loan and lease losses | $91,000 | 5,294 |
| Total noninterest income | $769,000 | 3,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $769,000 | 2,233 |
| Total noninterest expense | $2,093,000 | 5,420 |
| Salaries and employee benefits | $1,133,000 | 5,288 |
| Premises and equipment expense | $457,000 | 3,959 |
| Additional noninterest expense | $503,000 | 6,413 |
| Pre-tax net operating income | $1,702,000 | 3,795 |
| Securities gains (losses) | $442,000 | 596 |
| Applicable income taxes | $814,000 | 2,705 |
| Income before extraordinary items | $1,330,000 | 3,606 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,330,000 | 3,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $1,328,000 | 1,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,047,120 | 4,249 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,871,000 | 5,152 |
| Total interest expense | $2,746,000 | 5,049 |
| Net interest income | $3,125,000 | 5,133 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $596,000 | 4,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $596,000 | 2,486 |
| Total noninterest expense | $1,811,000 | 6,046 |
| Salaries and employee benefits | $1,032,000 | 5,738 |
| Premises and equipment expense | $370,000 | 4,710 |
| Additional noninterest expense | $409,000 | 7,266 |
| Pre-tax net operating income | $1,840,000 | 3,795 |
| Securities gains (losses) | $166,000 | 793 |
| Applicable income taxes | $761,000 | 3,041 |
| Income before extraordinary items | $1,245,000 | 3,930 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,245,000 | 3,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,010 |
| Cash dividends | $1,245,000 | 1,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,138,760 | 4,186 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,791,000 | 6,124 |
| Total interest expense | $1,920,000 | 6,582 |
| Net interest income | $2,871,000 | 5,630 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $491,000 | 5,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $491,000 | 2,961 |
| Total noninterest expense | $1,943,000 | 6,060 |
| Salaries and employee benefits | $902,000 | 6,458 |
| Premises and equipment expense | $345,000 | 5,056 |
| Additional noninterest expense | $696,000 | 5,768 |
| Pre-tax net operating income | $1,389,000 | 4,603 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $513,000 | 4,074 |
| Income before extraordinary items | $892,000 | 4,904 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $892,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $893,000 | 2,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $881,760 | 4,896 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,215,000 | 6,783 |
| Total interest expense | $1,576,000 | 7,491 |
| Net interest income | $2,639,000 | 6,070 |
| Provision for loan and lease losses | $79,000 | 5,161 |
| Total noninterest income | $632,000 | 4,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $632,000 | 2,452 |
| Total noninterest expense | $1,480,000 | 7,332 |
| Salaries and employee benefits | $763,000 | 7,329 |
| Premises and equipment expense | $298,000 | 5,659 |
| Additional noninterest expense | $419,000 | 8,014 |
| Pre-tax net operating income | $1,712,000 | 4,006 |
| Securities gains (losses) | $71,000 | 1,109 |
| Applicable income taxes | $646,000 | 3,465 |
| Income before extraordinary items | $1,137,000 | 4,129 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,137,000 | 4,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $855,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,091,560 | 4,267 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,223,000 | 7,726 |
| Total interest expense | $1,468,000 | 6,982 |
| Net interest income | $1,755,000 | 8,165 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $152,000 | 9,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $152,000 | 6,177 |
| Total noninterest expense | $1,348,000 | 8,088 |
| Salaries and employee benefits | $698,000 | 7,898 |
| Premises and equipment expense | $289,000 | 5,879 |
| Additional noninterest expense | $361,000 | 9,229 |
| Pre-tax net operating income | $553,000 | 8,289 |
| Securities gains (losses) | $88,000 | 828 |
| Applicable income taxes | $220,000 | 7,005 |
| Income before extraordinary items | $421,000 | 7,982 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $421,000 | 7,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $362,920 | 8,571 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 8,112 |
| Total interest expense | $1,644,000 | 6,756 |
| Net interest income | $1,496,000 | 9,121 |
| Provision for loan and lease losses | $106,000 | 5,611 |
| Total noninterest income | $447,000 | 6,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $447,000 | 3,505 |
| Total noninterest expense | $1,226,000 | 8,792 |
| Salaries and employee benefits | $591,000 | 8,879 |
| Premises and equipment expense | $268,000 | 6,364 |
| Additional noninterest expense | $367,000 | 9,644 |
| Pre-tax net operating income | $611,000 | 7,872 |
| Securities gains (losses) | $339,000 | 1,190 |
| Applicable income taxes | $374,000 | 5,258 |
| Income before extraordinary items | $576,000 | 6,970 |
| Extraordinary gains, net | $-40,000 | 12,653 |
| Net income | $536,000 | 7,433 |
| 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 | $359,040 | 8,582 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,548,000 | 8,108 |
| Total interest expense | $2,032,000 | 7,049 |
| Net interest income | $1,516,000 | 9,222 |
| Provision for loan and lease losses | $40,000 | 9,471 |
| Total noninterest income | $420,000 | 6,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $420,000 | 3,587 |
| Total noninterest expense | $1,105,000 | 9,489 |
| Salaries and employee benefits | $527,000 | 9,516 |
| Premises and equipment expense | $234,000 | 7,098 |
| Additional noninterest expense | $344,000 | 10,278 |
| Pre-tax net operating income | $791,000 | 6,610 |
| Securities gains (losses) | $403,000 | 1,273 |
| Applicable income taxes | $412,000 | 4,676 |
| Income before extraordinary items | $782,000 | 5,451 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $782,000 | 5,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $520,050 | 6,791 |
* 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.