Home > Public Service Bank, a federal savings bank > Income and Expense
Public Service Bank, a federal savings bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 5,841 |
| Total interest expense | $3,233,000 | 4,417 |
| Net interest income | $1,718,000 | 7,508 |
| Provision for loan and lease losses | $34,000 | 7,270 |
| Total noninterest income | $163,000 | 8,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $163,000 | 5,480 |
| Total noninterest expense | $1,718,000 | 6,243 |
| Salaries and employee benefits | $1,053,000 | 5,670 |
| Premises and equipment expense | $360,000 | 4,797 |
| Additional noninterest expense | $305,000 | 8,266 |
| Pre-tax net operating income | $129,000 | 9,951 |
| Securities gains (losses) | $357,000 | 515 |
| Applicable income taxes | $190,000 | 7,017 |
| Income before extraordinary items | $296,000 | 8,408 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $296,000 | 8,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,981 |
| Cash dividends | $103,000 | 6,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $67,520 | 10,115 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,424,000 | 6,469 |
| Total interest expense | $2,914,000 | 4,914 |
| Net interest income | $1,510,000 | 8,251 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $183,000 | 8,489 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $183,000 | 5,422 |
| Total noninterest expense | $2,068,000 | 5,808 |
| Salaries and employee benefits | $952,000 | 6,211 |
| Premises and equipment expense | $388,000 | 4,655 |
| Additional noninterest expense | $728,000 | 5,581 |
| Pre-tax net operating income | $-399,000 | 11,197 |
| Securities gains (losses) | $212,000 | 668 |
| Applicable income taxes | $-79,000 | 11,146 |
| Income before extraordinary items | $-108,000 | 11,012 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-108,000 | 11,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $101,000 | 6,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-243,680 | 11,106 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,220,000 | 6,778 |
| Total interest expense | $2,709,000 | 5,216 |
| Net interest income | $1,511,000 | 8,500 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $174,000 | 8,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $174,000 | 5,545 |
| Total noninterest expense | $1,755,000 | 6,583 |
| Salaries and employee benefits | $1,008,000 | 6,021 |
| Premises and equipment expense | $381,000 | 4,729 |
| Additional noninterest expense | $366,000 | 8,529 |
| Pre-tax net operating income | $-94,000 | 11,592 |
| Securities gains (losses) | $210,000 | 654 |
| Applicable income taxes | $35,000 | 10,480 |
| Income before extraordinary items | $81,000 | 11,098 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $81,000 | 11,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $102,000 | 6,718 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-66,000 | 11,557 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,927,000 | 6,798 |
| Total interest expense | $2,197,000 | 5,162 |
| Net interest income | $1,730,000 | 8,226 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $287,000 | 7,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $287,000 | 4,217 |
| Total noninterest expense | $1,515,000 | 7,558 |
| Salaries and employee benefits | $788,000 | 7,270 |
| Premises and equipment expense | $361,000 | 4,981 |
| Additional noninterest expense | $366,000 | 9,165 |
| Pre-tax net operating income | $478,000 | 8,807 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $157,000 | 8,162 |
| Income before extraordinary items | $321,000 | 8,929 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $321,000 | 8,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $102,000 | 6,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $321,000 | 8,979 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,010,000 | 6,864 |
| Total interest expense | $2,401,000 | 4,999 |
| Net interest income | $1,609,000 | 8,771 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $398,000 | 6,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $398,000 | 3,766 |
| Total noninterest expense | $1,451,000 | 7,994 |
| Salaries and employee benefits | $717,000 | 7,892 |
| Premises and equipment expense | $343,000 | 5,314 |
| Additional noninterest expense | $391,000 | 9,355 |
| Pre-tax net operating income | $532,000 | 8,434 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $166,000 | 8,293 |
| Income before extraordinary items | $366,000 | 8,783 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $366,000 | 8,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $101,000 | 6,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $366,000 | 8,515 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,799,000 | 6,571 |
| Total interest expense | $3,127,000 | 4,980 |
| Net interest income | $1,672,000 | 8,743 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $364,000 | 6,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $364,000 | 3,932 |
| Total noninterest expense | $1,576,000 | 7,648 |
| Salaries and employee benefits | $738,000 | 7,702 |
| Premises and equipment expense | $399,000 | 4,802 |
| Additional noninterest expense | $439,000 | 9,105 |
| Pre-tax net operating income | $436,000 | 8,918 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $150,000 | 8,614 |
| Income before extraordinary items | $301,000 | 9,312 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $301,000 | 9,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $40,000 | 7,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $290,950 | 9,060 |
* 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.