Home > Pennsylvania Savings Bank > Income and Expense
Pennsylvania Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,986,000 | 2,937 |
| Total interest expense | $5,090,000 | 2,952 |
| Net interest income | $5,896,000 | 2,930 |
| Provision for loan and lease losses | $283,000 | 2,757 |
| Total noninterest income | $387,000 | 5,726 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $350,000 | 3,495 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $4,533,000 | 2,865 |
| Salaries and employee benefits | $2,478,000 | 2,741 |
| Premises and equipment expense | $650,000 | 2,964 |
| Additional noninterest expense | $1,405,000 | 2,946 |
| Pre-tax net operating income | $1,467,000 | 4,243 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $495,000 | 3,862 |
| Income before extraordinary items | $972,000 | 4,609 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $972,000 | 4,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,314 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,370,000 | 159 |
| Net operating income | $972,000 | 4,510 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,378,000 | 3,448 |
| Total interest expense | $4,565,000 | 3,254 |
| Net interest income | $4,813,000 | 3,617 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $395,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $335,000 | 3,744 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $60,000 | 8,023 |
| Total noninterest expense | $4,138,000 | 3,088 |
| Salaries and employee benefits | $2,286,000 | 2,896 |
| Premises and equipment expense | $646,000 | 2,955 |
| Additional noninterest expense | $1,206,000 | 3,345 |
| Pre-tax net operating income | $1,010,000 | 5,803 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $308,000 | 5,651 |
| Income before extraordinary items | $702,000 | 5,894 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $702,000 | 5,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 932 |
| Net operating income | $702,000 | 5,854 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,402,000 | 3,849 |
| Total interest expense | $4,076,000 | 3,646 |
| Net interest income | $4,326,000 | 4,015 |
| Provision for loan and lease losses | $132,000 | 4,386 |
| Total noninterest income | $508,000 | 5,100 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $357,000 | 3,689 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $151,000 | 5,947 |
| Total noninterest expense | $4,418,000 | 3,063 |
| Salaries and employee benefits | $1,969,000 | 3,380 |
| Premises and equipment expense | $411,000 | 4,445 |
| Additional noninterest expense | $2,038,000 | 2,408 |
| Pre-tax net operating income | $284,000 | 9,237 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $142,000 | 7,996 |
| Income before extraordinary items | $142,000 | 9,868 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $142,000 | 9,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,393 |
| Cash dividends | $21,000 | 8,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $142,000 | 9,809 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,867,000 | 4,073 |
| Total interest expense | $3,738,000 | 3,914 |
| Net interest income | $4,129,000 | 4,206 |
| Provision for loan and lease losses | $35,000 | 6,883 |
| Total noninterest income | $406,000 | 5,937 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $283,000 | 4,489 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $123,000 | 6,567 |
| Total noninterest expense | $3,488,000 | 3,763 |
| Salaries and employee benefits | $1,934,000 | 3,409 |
| Premises and equipment expense | $314,000 | 5,437 |
| Additional noninterest expense | $1,240,000 | 3,642 |
| Pre-tax net operating income | $1,012,000 | 5,946 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $438,000 | 4,605 |
| Income before extraordinary items | $574,000 | 6,760 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $574,000 | 6,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,745 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $5,003,000 | 96 |
| Net operating income | $574,000 | 6,740 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,115,000 | 4,158 |
| Total interest expense | $3,048,000 | 3,907 |
| Net interest income | $4,067,000 | 4,313 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $312,000 | 7,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,491 |
| Total noninterest expense | $3,196,000 | 4,179 |
| Salaries and employee benefits | $1,758,000 | 3,711 |
| Premises and equipment expense | $298,000 | 5,748 |
| Additional noninterest expense | $1,140,000 | 4,242 |
| Pre-tax net operating income | $1,177,000 | 5,308 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $412,000 | 4,665 |
| Income before extraordinary items | $772,000 | 5,496 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $772,000 | 5,512 |
| 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 | $767,450 | 5,585 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,133,000 | 4,248 |
| Total interest expense | $3,050,000 | 4,062 |
| Net interest income | $4,083,000 | 4,318 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $283,000 | 7,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,126 |
| Total noninterest expense | $3,001,000 | 4,505 |
| Salaries and employee benefits | $1,662,000 | 3,898 |
| Premises and equipment expense | $261,000 | 6,488 |
| Additional noninterest expense | $1,078,000 | 4,618 |
| Pre-tax net operating income | $1,350,000 | 4,723 |
| Securities gains (losses) | $103,000 | 2,469 |
| Applicable income taxes | $603,000 | 3,590 |
| Income before extraordinary items | $850,000 | 5,311 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $850,000 | 5,451 |
| 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 | $784,080 | 5,414 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,150,000 | 4,748 |
| Total interest expense | $3,853,000 | 4,205 |
| Net interest income | $3,297,000 | 5,285 |
| Provision for loan and lease losses | $6,000 | 11,435 |
| Total noninterest income | $212,000 | 9,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 8,161 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 8,063 |
| Total noninterest expense | $2,693,000 | 4,974 |
| Salaries and employee benefits | $1,409,000 | 4,472 |
| Premises and equipment expense | $231,000 | 7,148 |
| Additional noninterest expense | $1,053,000 | 4,849 |
| Pre-tax net operating income | $810,000 | 6,514 |
| Securities gains (losses) | $326,000 | 1,462 |
| Applicable income taxes | $493,000 | 4,049 |
| Income before extraordinary items | $643,000 | 6,265 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $643,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $434,360 | 7,533 |
* 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.