Home > Perpetual Savings Bank, FSB > Income and Expense
Perpetual Savings Bank, FSB, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $30,014,000 | 1,125 |
| Total interest expense | $19,229,000 | 853 |
| Net interest income | $10,785,000 | 1,605 |
| Provision for loan and lease losses | $1,133,000 | 893 |
| Total noninterest income | $1,931,000 | 1,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,931,000 | 1,124 |
| Total noninterest expense | $8,179,000 | 1,614 |
| Salaries and employee benefits | $3,854,000 | 1,702 |
| Premises and equipment expense | $2,218,000 | 904 |
| Additional noninterest expense | $2,107,000 | 2,003 |
| Pre-tax net operating income | $3,404,000 | 2,213 |
| Securities gains (losses) | $251,000 | 621 |
| Applicable income taxes | $1,433,000 | 1,771 |
| Income before extraordinary items | $2,222,000 | 2,348 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,222,000 | 2,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 1,539 |
| Cash dividends | $863,000 | 2,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,061,360 | 2,463 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $28,312,000 | 1,215 |
| Total interest expense | $18,852,000 | 895 |
| Net interest income | $9,460,000 | 1,886 |
| Provision for loan and lease losses | $952,000 | 1,066 |
| Total noninterest income | $1,684,000 | 2,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,684,000 | 1,309 |
| Total noninterest expense | $9,966,000 | 1,440 |
| Salaries and employee benefits | $3,749,000 | 1,766 |
| Premises and equipment expense | $2,139,000 | 991 |
| Additional noninterest expense | $4,078,000 | 1,339 |
| Pre-tax net operating income | $226,000 | 9,621 |
| Securities gains (losses) | $229,000 | 648 |
| Applicable income taxes | $161,000 | 7,713 |
| Income before extraordinary items | $294,000 | 8,474 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $294,000 | 8,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,804,000 | 613 |
| Cash dividends | $490,000 | 3,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $145,150 | 9,784 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,677,000 | 1,387 |
| Total interest expense | $17,255,000 | 990 |
| Net interest income | $7,422,000 | 2,427 |
| Provision for loan and lease losses | $35,000 | 6,883 |
| Total noninterest income | $1,527,000 | 2,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,527,000 | 1,369 |
| Total noninterest expense | $6,704,000 | 2,059 |
| Salaries and employee benefits | $3,203,000 | 2,073 |
| Premises and equipment expense | $1,718,000 | 1,213 |
| Additional noninterest expense | $1,783,000 | 2,651 |
| Pre-tax net operating income | $2,210,000 | 3,202 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $881,000 | 2,652 |
| Income before extraordinary items | $1,344,000 | 3,564 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,344,000 | 3,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,184 |
| Cash dividends | $664,000 | 2,746 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,334,400 | 3,564 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,748,000 | 1,731 |
| Total interest expense | $11,167,000 | 1,174 |
| Net interest income | $6,581,000 | 2,753 |
| Provision for loan and lease losses | $81,000 | 5,013 |
| Total noninterest income | $1,554,000 | 2,231 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,554,000 | 1,347 |
| Total noninterest expense | $5,932,000 | 2,372 |
| Salaries and employee benefits | $2,960,000 | 2,253 |
| Premises and equipment expense | $1,453,000 | 1,441 |
| Additional noninterest expense | $1,519,000 | 3,255 |
| Pre-tax net operating income | $2,122,000 | 3,264 |
| Securities gains (losses) | $-122,000 | 11,675 |
| Applicable income taxes | $536,000 | 3,843 |
| Income before extraordinary items | $1,464,000 | 3,241 |
| Extraordinary gains, net | $613,000 | 21 |
| Net income | $2,077,000 | 2,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-175,000 | 12,386 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $12,809,000 | 85 |
| Net operating income | $1,553,060 | 3,106 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,186,000 | 1,931 |
| Total interest expense | $10,724,000 | 1,266 |
| Net interest income | $5,462,000 | 3,296 |
| Provision for loan and lease losses | $1,657,000 | 923 |
| Total noninterest income | $1,049,000 | 3,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,049,000 | 1,967 |
| Total noninterest expense | $5,645,000 | 2,534 |
| Salaries and employee benefits | $2,380,000 | 2,773 |
| Premises and equipment expense | $1,445,000 | 1,469 |
| Additional noninterest expense | $1,820,000 | 2,963 |
| Pre-tax net operating income | $-791,000 | 12,932 |
| Securities gains (losses) | $1,415,000 | 409 |
| Applicable income taxes | $253,000 | 6,745 |
| Income before extraordinary items | $371,000 | 8,733 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $371,000 | 8,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $736,000 | 1,388 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-534,600 | 12,853 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,175,000 | 1,753 |
| Total interest expense | $13,397,000 | 1,326 |
| Net interest income | $6,778,000 | 2,689 |
| Provision for loan and lease losses | $352,000 | 3,767 |
| Total noninterest income | $1,987,000 | 1,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,987,000 | 1,247 |
| Total noninterest expense | $6,636,000 | 2,221 |
| Salaries and employee benefits | $3,075,000 | 2,134 |
| Premises and equipment expense | $1,261,000 | 1,687 |
| Additional noninterest expense | $2,300,000 | 2,488 |
| Pre-tax net operating income | $1,777,000 | 3,478 |
| Securities gains (losses) | $2,153,000 | 389 |
| Applicable income taxes | $1,184,000 | 1,782 |
| Income before extraordinary items | $2,746,000 | 1,674 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,746,000 | 1,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 4,083 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,238,900 | 3,425 |
* 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.