Home > Ridgewood Savings Bank of New Jersey > Income and Expense
Ridgewood Savings Bank of New Jersey, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,263,000 | 1,918 |
| Total interest expense | $12,885,000 | 1,348 |
| Net interest income | $5,378,000 | 3,259 |
| Provision for loan and lease losses | $86,000 | 5,621 |
| Total noninterest income | $207,000 | 7,201 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $110,000 | 6,393 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $97,000 | 6,509 |
| Total noninterest expense | $4,713,000 | 2,875 |
| Salaries and employee benefits | $2,199,000 | 3,192 |
| Premises and equipment expense | $896,000 | 2,309 |
| Additional noninterest expense | $1,618,000 | 2,636 |
| Pre-tax net operating income | $786,000 | 5,918 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $-40,000 | 9,455 |
| Income before extraordinary items | $831,000 | 4,943 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $831,000 | 4,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,683 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $826,000 | 4,950 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,503,000 | 1,969 |
| Total interest expense | $11,289,000 | 1,330 |
| Net interest income | $5,214,000 | 3,330 |
| Provision for loan and lease losses | $102,000 | 5,170 |
| Total noninterest income | $146,000 | 8,154 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $88,000 | 6,960 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $58,000 | 7,783 |
| Total noninterest expense | $4,317,000 | 3,085 |
| Salaries and employee benefits | $2,101,000 | 3,283 |
| Premises and equipment expense | $614,000 | 3,184 |
| Additional noninterest expense | $1,602,000 | 2,697 |
| Pre-tax net operating income | $941,000 | 5,487 |
| Securities gains (losses) | $-1,069,000 | 10,145 |
| Applicable income taxes | $-390,000 | 10,115 |
| Income before extraordinary items | $262,000 | 7,851 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $262,000 | 7,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $4,693,000 | 269 |
| Net operating income | $946,160 | 4,553 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,345,000 | 1,985 |
| Total interest expense | $11,099,000 | 1,393 |
| Net interest income | $5,246,000 | 3,245 |
| Provision for loan and lease losses | $205,000 | 3,461 |
| Total noninterest income | $175,000 | 7,888 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $86,000 | 7,135 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $89,000 | 6,894 |
| Total noninterest expense | $4,241,000 | 3,066 |
| Salaries and employee benefits | $2,101,000 | 3,180 |
| Premises and equipment expense | $583,000 | 3,251 |
| Additional noninterest expense | $1,557,000 | 2,676 |
| Pre-tax net operating income | $975,000 | 5,498 |
| Securities gains (losses) | $24,000 | 2,292 |
| Applicable income taxes | $271,000 | 5,443 |
| Income before extraordinary items | $728,000 | 5,489 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $728,000 | 5,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $710,480 | 5,454 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,834,000 | 2,053 |
| Total interest expense | $10,287,000 | 1,511 |
| Net interest income | $5,547,000 | 3,152 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $213,000 | 7,677 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $71,000 | 7,856 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $142,000 | 5,840 |
| Total noninterest expense | $3,676,000 | 3,443 |
| Salaries and employee benefits | $1,791,000 | 3,656 |
| Premises and equipment expense | $572,000 | 3,291 |
| Additional noninterest expense | $1,313,000 | 3,085 |
| Pre-tax net operating income | $2,072,000 | 3,414 |
| Securities gains (losses) | $19,000 | 1,923 |
| Applicable income taxes | $841,000 | 2,819 |
| Income before extraordinary items | $1,250,000 | 3,920 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,250,000 | 3,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,237,840 | 3,879 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,966,000 | 2,250 |
| Total interest expense | $9,522,000 | 1,662 |
| Net interest income | $5,444,000 | 3,250 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $95,000 | 9,977 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $43,000 | 9,024 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $52,000 | 8,801 |
| Total noninterest expense | $4,204,000 | 3,192 |
| Salaries and employee benefits | $1,538,000 | 4,220 |
| Premises and equipment expense | $478,000 | 3,912 |
| Additional noninterest expense | $2,188,000 | 2,264 |
| Pre-tax net operating income | $1,323,000 | 4,780 |
| Securities gains (losses) | $45,000 | 1,403 |
| Applicable income taxes | $628,000 | 3,452 |
| Income before extraordinary items | $740,000 | 5,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $740,000 | 5,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $711,200 | 5,657 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,915,000 | 2,810 |
| Total interest expense | $7,434,000 | 2,105 |
| Net interest income | $4,481,000 | 3,917 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $99,000 | 10,299 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $27,000 | 9,864 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $72,000 | 8,274 |
| Total noninterest expense | $2,708,000 | 4,668 |
| Salaries and employee benefits | $1,276,000 | 4,936 |
| Premises and equipment expense | $328,000 | 5,271 |
| Additional noninterest expense | $1,104,000 | 4,015 |
| Pre-tax net operating income | $1,812,000 | 3,824 |
| Securities gains (losses) | $-28,000 | 10,792 |
| Applicable income taxes | $657,000 | 3,409 |
| Income before extraordinary items | $1,127,000 | 4,164 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,127,000 | 4,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,354 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,144,920 | 4,094 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,679,000 | 3,129 |
| Total interest expense | $4,830,000 | 2,545 |
| Net interest income | $4,849,000 | 3,662 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $98,000 | 10,799 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $24,000 | 10,462 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $74,000 | 8,491 |
| Total noninterest expense | $2,456,000 | 5,241 |
| Salaries and employee benefits | $1,174,000 | 5,347 |
| Premises and equipment expense | $271,000 | 6,158 |
| Additional noninterest expense | $1,011,000 | 4,669 |
| Pre-tax net operating income | $2,431,000 | 2,902 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $874,000 | 2,567 |
| Income before extraordinary items | $1,557,000 | 3,079 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,557,000 | 3,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,557,000 | 3,102 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,074,000 | 3,064 |
| Total interest expense | $4,918,000 | 2,608 |
| Net interest income | $5,156,000 | 3,467 |
| Provision for loan and lease losses | $112,000 | 5,474 |
| Total noninterest income | $148,000 | 10,245 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $23,000 | 10,936 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $125,000 | 7,168 |
| Total noninterest expense | $2,293,000 | 5,678 |
| Salaries and employee benefits | $1,095,000 | 5,666 |
| Premises and equipment expense | $256,000 | 6,582 |
| Additional noninterest expense | $942,000 | 5,179 |
| Pre-tax net operating income | $2,899,000 | 2,370 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,006,000 | 2,252 |
| Income before extraordinary items | $1,893,000 | 2,660 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,893,000 | 2,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,893,000 | 2,495 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,609,000 | 3,301 |
| Total interest expense | $5,888,000 | 2,832 |
| Net interest income | $4,721,000 | 3,833 |
| Provision for loan and lease losses | $244,000 | 4,650 |
| Total noninterest income | $31,000 | 13,519 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $9,000 | 11,619 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $22,000 | 12,406 |
| Total noninterest expense | $2,126,000 | 6,095 |
| Salaries and employee benefits | $960,000 | 6,264 |
| Premises and equipment expense | $214,000 | 7,538 |
| Additional noninterest expense | $952,000 | 5,263 |
| Pre-tax net operating income | $2,382,000 | 2,616 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $855,000 | 2,436 |
| Income before extraordinary items | $1,527,000 | 3,027 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,527,000 | 3,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,527,000 | 2,803 |
* 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.