Home > Pulaski Savings Bank > Income and Expense

Pulaski Savings Bank, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$458,000	8,975
Total interest expense	$134,000	8,897
Net interest income	$324,000	8,954
Provision for loan and lease losses	$11,000	7,078
Total noninterest income	$42,000	8,805
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$19,000	7,837
Trading account gains and fees	$0	153
Additional Noninterest Income	$23,000	8,129
Total noninterest expense	$1,735,000	5,474
Salaries and employee benefits	$137,000	9,079
Premises and equipment expense	$41,000	8,727
Additional noninterest expense	$1,557,000	2,304
Pre-tax net operating income	$-1,380,000	9,123
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-1,380,000	9,163
Extraordinary gains, net	$0	40
Net income	$-1,380,000	9,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,905
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-1,380,000	9,125
2003-06-30 (YTD Data)		Rank
Total interest income	$362,000	8,931
Total interest expense	$91,000	8,945
Net interest income	$271,000	8,879
Provision for loan and lease losses	$10,000	6,790
Total noninterest income	$37,000	8,650
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$16,000	7,783
Trading account gains and fees	$0	150
Additional Noninterest Income	$21,000	7,777
Total noninterest expense	$228,000	8,956
Salaries and employee benefits	$91,000	9,116
Premises and equipment expense	$28,000	8,729
Additional noninterest expense	$109,000	8,325
Pre-tax net operating income	$70,000	8,231
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$70,000	8,230
Extraordinary gains, net	$0	30
Net income	$70,000	8,231
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,273
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$70,000	8,084
2003-03-31 (YTD Data)		Rank
Total interest income	$187,000	8,976
Total interest expense	$48,000	8,990
Net interest income	$139,000	8,907
Provision for loan and lease losses	$1,000	6,877
Total noninterest income	$7,000	9,082
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$6,000	7,883
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,000	9,034
Total noninterest expense	$122,000	8,954
Salaries and employee benefits	$50,000	9,128
Premises and equipment expense	$16,000	8,615
Additional noninterest expense	$56,000	8,321
Pre-tax net operating income	$23,000	8,412
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$23,000	8,430
Extraordinary gains, net	$0	21
Net income	$23,000	8,428
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$23,000	8,302
2002-12-31 (YTD Data)		Rank
Total interest income	$728,000	9,043
Total interest expense	$290,000	8,912
Net interest income	$438,000	9,062
Provision for loan and lease losses	$59,000	6,566
Total noninterest income	$60,000	8,877
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$30,000	7,861
Trading account gains and fees	$0	153
Additional Noninterest Income	$30,000	8,203
Total noninterest expense	$468,000	9,038
Salaries and employee benefits	$201,000	9,157
Premises and equipment expense	$45,000	8,977
Additional noninterest expense	$222,000	8,395
Pre-tax net operating income	$-29,000	8,682
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-29,000	8,769
Extraordinary gains, net	$0	70
Net income	$-29,000	8,769
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	5,090
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-29,000	8,694
2001-12-31 (YTD Data)		Rank
Total interest income	$696,000	9,323
Total interest expense	$345,000	9,232
Net interest income	$351,000	9,368
Provision for loan and lease losses	$4,000	8,142
Total noninterest income	$26,000	9,376
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$33,000	7,927
Trading account gains and fees	$0	177
Additional Noninterest Income	$-7,000	9,569
Total noninterest expense	$447,000	9,271
Salaries and employee benefits	$210,000	9,374
Premises and equipment expense	$47,000	9,175
Additional noninterest expense	$190,000	8,739
Pre-tax net operating income	$-70,000	8,835
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-70,000	8,924
Extraordinary gains, net	$0	105
Net income	$-70,000	8,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-70,000	8,862
2000-12-31 (YTD Data)		Rank
Total interest income	$773,000	9,549
Total interest expense	$357,000	9,476
Net interest income	$416,000	9,566
Provision for loan and lease losses	$10,000	7,963
Total noninterest income	$40,000	9,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	8,160
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	9,226
Total noninterest expense	$380,000	9,635
Salaries and employee benefits	$123,000	9,804
Premises and equipment expense	$51,000	9,346
Additional noninterest expense	$206,000	8,739
Pre-tax net operating income	$66,000	8,922
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$66,000	8,897
Extraordinary gains, net	$0	38
Net income	$66,000	8,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,468
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$66,000	8,881
1999-12-31 (YTD Data)		Rank
Total interest income	$754,000	9,807
Total interest expense	$399,000	9,652
Net interest income	$355,000	9,886
Provision for loan and lease losses	$7,000	8,253
Total noninterest income	$26,000	9,909
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	8,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	9,823
Total noninterest expense	$432,000	9,790
Salaries and employee benefits	$200,000	9,917
Premises and equipment expense	$39,000	9,842
Additional noninterest expense	$193,000	9,095
Pre-tax net operating income	$-58,000	9,494
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-58,000	9,525
Extraordinary gains, net	$0	35
Net income	$-58,000	9,523
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,178
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-58,000	9,501
1998-12-31 (YTD Data)		Rank
Total interest income	$861,000	9,978
Total interest expense	$402,000	9,894
Net interest income	$459,000	9,995
Provision for loan and lease losses	$14,000	8,020
Total noninterest income	$31,000	10,083
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	8,815
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	9,614
Total noninterest expense	$474,000	9,871
Salaries and employee benefits	$204,000	10,091
Premises and equipment expense	$38,000	10,066
Additional noninterest expense	$232,000	8,773
Pre-tax net operating income	$2,000	9,776
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$2,000	9,830
Extraordinary gains, net	$0	32
Net income	$2,000	9,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,524
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,000	9,780
1997-12-31 (YTD Data)		Rank
Total interest income	$832,000	10,454
Total interest expense	$396,000	10,342
Net interest income	$436,000	10,509
Provision for loan and lease losses	$27,000	7,550
Total noninterest income	$37,000	10,477
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	9,039
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,252
Total noninterest expense	$402,000	10,469
Salaries and employee benefits	$192,000	10,576
Premises and equipment expense	$37,000	10,494
Additional noninterest expense	$173,000	9,747
Pre-tax net operating income	$44,000	10,263
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$44,000	10,269
Extraordinary gains, net	$0	44
Net income	$44,000	10,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,408
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$44,000	10,230
1996-12-31 (YTD Data)		Rank
Total interest income	$829,000	11,000
Total interest expense	$388,000	10,905
Net interest income	$441,000	11,017
Provision for loan and lease losses	$9,000	8,632
Total noninterest income	$32,000	11,112
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	9,477
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,116
Total noninterest expense	$408,000	10,947
Salaries and employee benefits	$194,000	11,047
Premises and equipment expense	$36,000	11,014
Additional noninterest expense	$178,000	10,199
Pre-tax net operating income	$56,000	10,569
Securities gains (losses)	$0	4,148
Applicable income taxes	$20,000	10,197
Income before extraordinary items	$36,000	10,649
Extraordinary gains, net	$0	53
Net income	$36,000	10,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,102
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$36,000	10,601
1995-12-31 (YTD Data)		Rank
Total interest income	$816,000	11,500
Total interest expense	$326,000	11,521
Net interest income	$490,000	11,416
Provision for loan and lease losses	$0	8,958
Total noninterest income	$18,000	11,806
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	10,214
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	11,496
Total noninterest expense	$398,000	11,436
Salaries and employee benefits	$170,000	11,658
Premises and equipment expense	$50,000	11,093
Additional noninterest expense	$178,000	10,714
Pre-tax net operating income	$110,000	11,033
Securities gains (losses)	$0	3,831
Applicable income taxes	$26,000	10,655
Income before extraordinary items	$84,000	11,068
Extraordinary gains, net	$0	65
Net income	$84,000	11,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$84,000	11,044
1994-12-31 (YTD Data)		Rank
Total interest income	$763,000	12,112
Total interest expense	$332,000	11,893
Net interest income	$431,000	12,174
Provision for loan and lease losses	$0	9,146
Total noninterest income	$34,000	12,213
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	10,584
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	11,718
Total noninterest expense	$382,000	12,106
Salaries and employee benefits	$174,000	12,229
Premises and equipment expense	$35,000	12,105
Additional noninterest expense	$173,000	11,492
Pre-tax net operating income	$83,000	11,733
Securities gains (losses)	$0	3,600
Applicable income taxes	$22,000	11,114
Income before extraordinary items	$61,000	11,725
Extraordinary gains, net	$0	249
Net income	$61,000	11,733
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$61,000	11,769
1993-12-31 (YTD Data)		Rank
Total interest income	$801,000	12,673
Total interest expense	$371,000	12,350
Net interest income	$430,000	12,740
Provision for loan and lease losses	$14,000	9,467
Total noninterest income	$12,000	13,158
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	11,275
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,927
Total noninterest expense	$380,000	12,724
Salaries and employee benefits	$167,000	12,874
Premises and equipment expense	$31,000	12,825
Additional noninterest expense	$182,000	11,988
Pre-tax net operating income	$48,000	12,194
Securities gains (losses)	$0	7,477
Applicable income taxes	$15,000	11,714
Income before extraordinary items	$33,000	12,359
Extraordinary gains, net	$0	3,149
Net income	$33,000	12,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	9,293
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$33,000	12,220
1992-12-31 (YTD Data)		Rank
Total interest income	$835,000	13,296
Total interest expense	$464,000	12,907
Net interest income	$370,000	13,462
Provision for loan and lease losses	$25,000	10,242
Total noninterest income	$10,000	13,798
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	11,764
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	13,358
Total noninterest expense	$310,000	13,536
Salaries and employee benefits	$147,000	13,569
Premises and equipment expense	$33,000	13,314
Additional noninterest expense	$130,000	13,208
Pre-tax net operating income	$45,000	12,446
Securities gains (losses)	$0	8,369
Applicable income taxes	$24,000	11,995
Income before extraordinary items	$21,000	12,769
Extraordinary gains, net	$0	1,422
Net income	$21,000	12,765
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	10,714
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$21,000	12,532

* 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.