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Roosevelt Savings Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$288,491,000179
Total interest expense$186,571,000145
Net interest income$101,920,000219
Provision for loan and lease losses$750,0001,238
Total noninterest income$4,426,0001,025
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,647,000759
Trading account gains and fees$0224
Additional Noninterest Income$2,779,000943
Total noninterest expense$45,345,000390
Salaries and employee benefits$31,973,000241
Premises and equipment expense$5,092,000434
Additional noninterest expense$8,280,000673
Pre-tax net operating income$60,251,000215
Securities gains (losses)$10,930,00064
Applicable income taxes$28,248,000178
Income before extraordinary items$42,933,000207
Extraordinary gains, net$032
Net income$42,933,000208
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$239,0002,178
Cash dividends$13,500,000314
Sale, conversion, retirement of capital stock, net$2,530,000358
Net operating income$35,937,800222
1997-12-31 (YTD Data)Rank
Total interest income$257,165,000203
Total interest expense$163,439,000167
Net interest income$93,726,000246
Provision for loan and lease losses$800,0001,181
Total noninterest income$4,316,0001,019
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,702,000749
Trading account gains and fees$7,000216
Additional Noninterest Income$2,607,000927
Total noninterest expense$44,969,000365
Salaries and employee benefits$28,871,000250
Premises and equipment expense$5,297,000418
Additional noninterest expense$10,801,000556
Pre-tax net operating income$52,273,000227
Securities gains (losses)$5,546,00082
Applicable income taxes$23,177,000204
Income before extraordinary items$34,642,000231
Extraordinary gains, net$044
Net income$34,642,000231
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$253,0002,195
Cash dividends$9,000,000393
Sale, conversion, retirement of capital stock, net$1,645,000397
Net operating income$31,092,560237
1996-12-31 (YTD Data)Rank
Total interest income$219,958,000245
Total interest expense$136,967,000210
Net interest income$82,991,000298
Provision for loan and lease losses$1,400,000792
Total noninterest income$5,595,000882
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,906,000696
Trading account gains and fees$4,000249
Additional Noninterest Income$3,685,000783
Total noninterest expense$42,355,000442
Salaries and employee benefits$25,861,000311
Premises and equipment expense$5,142,000459
Additional noninterest expense$11,352,000604
Pre-tax net operating income$44,831,000258
Securities gains (losses)$7,431,00060
Applicable income taxes$21,989,000212
Income before extraordinary items$30,273,000259
Extraordinary gains, net$053
Net income$30,273,000259
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$297,0002,090
Cash dividends$22,000,000257
Sale, conversion, retirement of capital stock, net$1,816,000313
Net operating income$25,517,160283
1995-12-31 (YTD Data)Rank
Total interest income$195,216,000281
Total interest expense$124,037,000231
Net interest income$71,179,000334
Provision for loan and lease losses$3,050,000437
Total noninterest income$5,158,000944
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,854,000724
Trading account gains and fees$29,000368
Additional Noninterest Income$3,275,000845
Total noninterest expense$41,598,000457
Salaries and employee benefits$23,935,000345
Premises and equipment expense$4,574,000527
Additional noninterest expense$13,089,000554
Pre-tax net operating income$31,689,000345
Securities gains (losses)$5,280,00057
Applicable income taxes$16,468,000262
Income before extraordinary items$20,501,000346
Extraordinary gains, net$065
Net income$20,501,000345
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,828,000603
Cash dividends$5,250,000611
Sale, conversion, retirement of capital stock, net$1,485,000253
Net operating income$17,121,800398
1994-12-31 (YTD Data)Rank
Total interest income$148,289,000306
Total interest expense$88,138,000242
Net interest income$60,151,000385
Provision for loan and lease losses$2,250,000528
Total noninterest income$4,773,000952
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,055,000667
Trading account gains and fees$34,000302
Additional Noninterest Income$2,684,000950
Total noninterest expense$41,306,000456
Salaries and employee benefits$22,521,000358
Premises and equipment expense$4,257,000558
Additional noninterest expense$14,528,000532
Pre-tax net operating income$21,368,000442
Securities gains (losses)$427,000302
Applicable income taxes$9,876,000344
Income before extraordinary items$11,919,000489
Extraordinary gains, net$0249
Net income$11,919,000487
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,965,000350
Cash dividends$1,000,0001,879
Sale, conversion, retirement of capital stock, net$1,727,000330
Net operating income$11,645,720505
1993-12-31 (YTD Data)Rank
Total interest income$121,102,000342
Total interest expense$67,966,000284
Net interest income$53,136,000418
Provision for loan and lease losses$6,100,000380
Total noninterest income$5,896,000872
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$2,033,000671
Trading account gains and fees$-31,0005,099
Additional Noninterest Income$3,894,000817
Total noninterest expense$37,644,000506
Salaries and employee benefits$19,298,000397
Premises and equipment expense$3,835,000623
Additional noninterest expense$14,511,000585
Pre-tax net operating income$15,288,000504
Securities gains (losses)$3,928,000183
Applicable income taxes$8,264,000357
Income before extraordinary items$10,952,000507
Extraordinary gains, net$-1,787,00013,227
Net income$9,165,000596
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,485,000514
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$45,654,00035
Net operating income$8,438,080577
1992-12-31 (YTD Data)Rank
Total interest income$120,627,000381
Total interest expense$70,420,000332
Net interest income$50,207,000448
Provision for loan and lease losses$8,050,000431
Total noninterest income$5,673,000898
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,828,000729
Trading account gains and fees$0504
Additional Noninterest Income$3,845,000808
Total noninterest expense$32,208,000570
Salaries and employee benefits$14,661,000501
Premises and equipment expense$3,551,000690
Additional noninterest expense$13,996,000603
Pre-tax net operating income$15,622,000427
Securities gains (losses)$2,407,000355
Applicable income taxes$9,010,000295
Income before extraordinary items$9,019,000535
Extraordinary gains, net$01,422
Net income$9,019,000536
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,242,000592
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$7,478,520578

* 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.