Home > Provident Bank, F.S.B. > Income and Expense
Provident Bank, F.S.B., Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,636,000 | 4,773 |
| Total interest expense | $3,600,000 | 4,300 |
| Net interest income | $3,036,000 | 5,115 |
| Provision for loan and lease losses | $435,000 | 2,107 |
| Total noninterest income | $392,000 | 5,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $392,000 | 3,398 |
| Total noninterest expense | $2,413,000 | 4,969 |
| Salaries and employee benefits | $1,344,000 | 4,771 |
| Premises and equipment expense | $594,000 | 3,301 |
| Additional noninterest expense | $475,000 | 6,614 |
| Pre-tax net operating income | $580,000 | 6,663 |
| Securities gains (losses) | $191,000 | 418 |
| Applicable income taxes | $256,000 | 4,932 |
| Income before extraordinary items | $515,000 | 6,237 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $515,000 | 6,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 1,662 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $387,030 | 6,936 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,254,000 | 4,814 |
| Total interest expense | $3,326,000 | 4,226 |
| Net interest income | $2,928,000 | 5,253 |
| Provision for loan and lease losses | $44,000 | 6,764 |
| Total noninterest income | $691,000 | 4,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $691,000 | 2,398 |
| Total noninterest expense | $2,623,000 | 4,696 |
| Salaries and employee benefits | $1,486,000 | 4,379 |
| Premises and equipment expense | $605,000 | 3,229 |
| Additional noninterest expense | $532,000 | 6,271 |
| Pre-tax net operating income | $952,000 | 5,452 |
| Securities gains (losses) | $625,000 | 299 |
| Applicable income taxes | $502,000 | 3,630 |
| Income before extraordinary items | $1,075,000 | 4,209 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,075,000 | 4,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,369 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $650,000 | 5,644 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,373,000 | 4,774 |
| Total interest expense | $3,579,000 | 4,035 |
| Net interest income | $2,794,000 | 5,421 |
| Provision for loan and lease losses | $321,000 | 2,462 |
| Total noninterest income | $505,000 | 4,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $505,000 | 2,966 |
| Total noninterest expense | $2,900,000 | 4,252 |
| Salaries and employee benefits | $1,643,000 | 3,953 |
| Premises and equipment expense | $731,000 | 2,674 |
| Additional noninterest expense | $526,000 | 6,257 |
| Pre-tax net operating income | $78,000 | 9,508 |
| Securities gains (losses) | $1,107,000 | 358 |
| Applicable income taxes | $443,000 | 4,159 |
| Income before extraordinary items | $742,000 | 5,428 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $742,000 | 5,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 1,674 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $33,520 | 9,649 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,305,000 | 4,862 |
| Total interest expense | $3,592,000 | 4,052 |
| Net interest income | $2,713,000 | 5,738 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $427,000 | 5,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $427,000 | 3,151 |
| Total noninterest expense | $2,465,000 | 4,827 |
| Salaries and employee benefits | $1,441,000 | 4,397 |
| Premises and equipment expense | $564,000 | 3,335 |
| Additional noninterest expense | $460,000 | 6,841 |
| Pre-tax net operating income | $565,000 | 7,583 |
| Securities gains (losses) | $973,000 | 286 |
| Applicable income taxes | $588,000 | 3,747 |
| Income before extraordinary items | $950,000 | 4,875 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $950,000 | 4,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,868 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $327,280 | 8,128 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,897,000 | 5,248 |
| Total interest expense | $3,591,000 | 4,095 |
| Net interest income | $2,306,000 | 6,555 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $391,000 | 6,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $391,000 | 3,450 |
| Total noninterest expense | $3,588,000 | 3,697 |
| Salaries and employee benefits | $1,954,000 | 3,405 |
| Premises and equipment expense | $614,000 | 3,132 |
| Additional noninterest expense | $1,020,000 | 4,340 |
| Pre-tax net operating income | $-891,000 | 11,323 |
| Securities gains (losses) | $1,404,000 | 201 |
| Applicable income taxes | $194,000 | 7,228 |
| Income before extraordinary items | $319,000 | 8,264 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $319,000 | 8,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-579,560 | 11,268 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,918,000 | 6,064 |
| Total interest expense | $2,844,000 | 5,007 |
| Net interest income | $2,074,000 | 7,136 |
| Provision for loan and lease losses | $-100,000 | 11,704 |
| Total noninterest income | $499,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $499,000 | 2,882 |
| Total noninterest expense | $2,746,000 | 4,605 |
| Salaries and employee benefits | $1,631,000 | 3,975 |
| Premises and equipment expense | $409,000 | 4,452 |
| Additional noninterest expense | $706,000 | 5,809 |
| Pre-tax net operating income | $-73,000 | 11,580 |
| Securities gains (losses) | $1,154,000 | 201 |
| Applicable income taxes | $390,000 | 5,030 |
| Income before extraordinary items | $691,000 | 6,052 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $691,000 | 6,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,371 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-47,560 | 11,544 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,377,000 | 6,279 |
| Total interest expense | $2,135,000 | 5,309 |
| Net interest income | $2,242,000 | 6,990 |
| Provision for loan and lease losses | $-175,000 | 12,292 |
| Total noninterest income | $245,000 | 8,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $245,000 | 4,649 |
| Total noninterest expense | $2,133,000 | 5,887 |
| Salaries and employee benefits | $1,022,000 | 5,988 |
| Premises and equipment expense | $383,000 | 4,757 |
| Additional noninterest expense | $728,000 | 6,144 |
| Pre-tax net operating income | $529,000 | 8,460 |
| Securities gains (losses) | $62,000 | 1,024 |
| Applicable income taxes | $191,000 | 7,499 |
| Income before extraordinary items | $400,000 | 8,198 |
| Extraordinary gains, net | $13,000 | 213 |
| Net income | $413,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,622 |
| Cash dividends | $123,000 | 6,489 |
| Sale, conversion, retirement of capital stock, net | $1,275,000 | 379 |
| Net operating income | $357,840 | 8,621 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,008,000 | 6,867 |
| Total interest expense | $1,983,000 | 5,877 |
| Net interest income | $2,025,000 | 7,600 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $267,000 | 8,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $267,000 | 4,801 |
| Total noninterest expense | $1,350,000 | 8,336 |
| Salaries and employee benefits | $705,000 | 7,968 |
| Premises and equipment expense | $306,000 | 5,744 |
| Additional noninterest expense | $339,000 | 9,968 |
| Pre-tax net operating income | $942,000 | 6,155 |
| Securities gains (losses) | $138,000 | 2,074 |
| Applicable income taxes | $370,000 | 5,290 |
| Income before extraordinary items | $710,000 | 6,055 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $710,000 | 6,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,803 |
| Cash dividends | $565,000 | 2,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $618,920 | 6,397 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,753,000 | 6,625 |
| Total interest expense | $2,739,000 | 5,569 |
| Net interest income | $2,014,000 | 7,714 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $287,000 | 7,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $287,000 | 4,547 |
| Total noninterest expense | $1,435,000 | 8,157 |
| Salaries and employee benefits | $640,000 | 8,450 |
| Premises and equipment expense | $273,000 | 6,391 |
| Additional noninterest expense | $522,000 | 8,262 |
| Pre-tax net operating income | $854,000 | 6,321 |
| Securities gains (losses) | $132,000 | 2,579 |
| Applicable income taxes | $242,000 | 6,787 |
| Income before extraordinary items | $744,000 | 5,660 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $744,000 | 5,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 2,508 |
| Cash dividends | $313,000 | 3,909 |
| Sale, conversion, retirement of capital stock, net | $2,850,000 | 255 |
| Net operating income | $645,000 | 5,909 |
* 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.