Home > Pulse Savings Bank > Income and Expense
Pulse Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $36,579,000 | 939 |
| Total interest expense | $22,914,000 | 723 |
| Net interest income | $13,665,000 | 1,267 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $441,000 | 5,394 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $170,000 | 5,829 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $271,000 | 4,163 |
| Total noninterest expense | $5,301,000 | 2,432 |
| Salaries and employee benefits | $2,780,000 | 2,389 |
| Premises and equipment expense | $499,000 | 3,703 |
| Additional noninterest expense | $2,022,000 | 2,068 |
| Pre-tax net operating income | $8,805,000 | 925 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $3,157,000 | 883 |
| Income before extraordinary items | $5,648,000 | 986 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,648,000 | 987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,544 |
| Cash dividends | $2,230,000 | 1,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,648,000 | 960 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $33,923,000 | 1,033 |
| Total interest expense | $20,308,000 | 837 |
| Net interest income | $13,615,000 | 1,306 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $282,000 | 7,167 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $155,000 | 6,390 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $127,000 | 6,441 |
| Total noninterest expense | $8,527,000 | 1,668 |
| Salaries and employee benefits | $2,526,000 | 2,661 |
| Premises and equipment expense | $471,000 | 3,964 |
| Additional noninterest expense | $5,530,000 | 1,048 |
| Pre-tax net operating income | $5,370,000 | 1,328 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,936,000 | 1,275 |
| Income before extraordinary items | $3,434,000 | 1,435 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,434,000 | 1,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,131 |
| Cash dividends | $16,782,000 | 316 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,434,000 | 1,404 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $31,316,000 | 1,125 |
| Total interest expense | $17,996,000 | 962 |
| Net interest income | $13,320,000 | 1,346 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $395,000 | 6,035 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $142,000 | 6,833 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $253,000 | 4,446 |
| Total noninterest expense | $5,723,000 | 2,381 |
| Salaries and employee benefits | $2,429,000 | 2,750 |
| Premises and equipment expense | $474,000 | 3,924 |
| Additional noninterest expense | $2,820,000 | 1,787 |
| Pre-tax net operating income | $7,992,000 | 981 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,842,000 | 951 |
| Income before extraordinary items | $5,150,000 | 1,041 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,150,000 | 1,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $850,000 | 977 |
| Cash dividends | $2,795,000 | 978 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,150,000 | 1,025 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $30,276,000 | 1,045 |
| Total interest expense | $14,412,000 | 940 |
| Net interest income | $15,864,000 | 1,150 |
| Provision for loan and lease losses | $2,500,000 | 484 |
| Total noninterest income | $440,000 | 5,768 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $159,000 | 6,683 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $281,000 | 4,285 |
| Total noninterest expense | $5,328,000 | 2,609 |
| Salaries and employee benefits | $2,235,000 | 2,964 |
| Premises and equipment expense | $457,000 | 4,103 |
| Additional noninterest expense | $2,636,000 | 2,048 |
| Pre-tax net operating income | $8,476,000 | 916 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,979,000 | 874 |
| Income before extraordinary items | $5,497,000 | 940 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,497,000 | 936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,768,000 | 362 |
| Cash dividends | $2,280,000 | 996 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,497,000 | 943 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $31,442,000 | 1,022 |
| Total interest expense | $14,182,000 | 965 |
| Net interest income | $17,260,000 | 1,062 |
| Provision for loan and lease losses | $1,950,000 | 831 |
| Total noninterest income | $715,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $167,000 | 6,671 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $548,000 | 3,064 |
| Total noninterest expense | $5,549,000 | 2,579 |
| Salaries and employee benefits | $2,443,000 | 2,706 |
| Premises and equipment expense | $443,000 | 4,322 |
| Additional noninterest expense | $2,663,000 | 2,097 |
| Pre-tax net operating income | $10,476,000 | 699 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $3,832,000 | 676 |
| Income before extraordinary items | $6,660,000 | 784 |
| Extraordinary gains, net | $1,576,000 | 149 |
| Net income | $8,236,000 | 651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,910,000 | 745 |
| Cash dividends | $2,515,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,649,760 | 740 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $33,264,000 | 1,088 |
| Total interest expense | $17,064,000 | 1,060 |
| Net interest income | $16,200,000 | 1,154 |
| Provision for loan and lease losses | $2,500,000 | 968 |
| Total noninterest income | $275,000 | 8,098 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $120,000 | 7,946 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $155,000 | 6,528 |
| Total noninterest expense | $4,939,000 | 2,897 |
| Salaries and employee benefits | $2,055,000 | 3,145 |
| Premises and equipment expense | $380,000 | 4,992 |
| Additional noninterest expense | $2,504,000 | 2,320 |
| Pre-tax net operating income | $9,036,000 | 714 |
| Securities gains (losses) | $-92,000 | 13,769 |
| Applicable income taxes | $3,435,000 | 683 |
| Income before extraordinary items | $5,509,000 | 867 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,509,000 | 871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,221,000 | 1,386 |
| Cash dividends | $1,368,000 | 1,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,567,880 | 784 |
* 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.