Home > Scotland Savings Bank, SSB > Income and Expense
Scotland Savings Bank, SSB, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,373,000 | 6,163 |
| Total interest expense | $2,092,000 | 6,037 |
| Net interest income | $2,281,000 | 6,161 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $69,000 | 9,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,990 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,614 |
| Total noninterest expense | $1,588,000 | 6,454 |
| Salaries and employee benefits | $1,052,000 | 5,580 |
| Premises and equipment expense | $219,000 | 6,441 |
| Additional noninterest expense | $317,000 | 7,969 |
| Pre-tax net operating income | $762,000 | 6,249 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $305,000 | 5,126 |
| Income before extraordinary items | $467,000 | 6,803 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $467,000 | 6,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $385,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $460,600 | 6,744 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,701,000 | 6,046 |
| Total interest expense | $2,045,000 | 6,178 |
| Net interest income | $2,656,000 | 5,815 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $55,000 | 10,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,416 |
| Total noninterest expense | $1,715,000 | 6,252 |
| Salaries and employee benefits | $1,196,000 | 5,112 |
| Premises and equipment expense | $213,000 | 6,604 |
| Additional noninterest expense | $306,000 | 8,259 |
| Pre-tax net operating income | $972,000 | 5,921 |
| Securities gains (losses) | $233,000 | 645 |
| Applicable income taxes | $407,000 | 4,832 |
| Income before extraordinary items | $798,000 | 5,471 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $798,000 | 5,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $321,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $1,150,000 | 444 |
| Net operating income | $644,220 | 6,093 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,736,000 | 6,165 |
| Total interest expense | $2,124,000 | 6,174 |
| Net interest income | $2,612,000 | 6,026 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $56,000 | 10,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 8,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,015 |
| Total noninterest expense | $1,640,000 | 6,738 |
| Salaries and employee benefits | $714,000 | 7,433 |
| Premises and equipment expense | $218,000 | 6,718 |
| Additional noninterest expense | $708,000 | 5,698 |
| Pre-tax net operating income | $1,006,000 | 5,719 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $358,000 | 5,249 |
| Income before extraordinary items | $647,000 | 6,008 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $647,000 | 6,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $195,000 | 5,550 |
| Sale, conversion, retirement of capital stock, net | $7,778,000 | 78 |
| Net operating income | $647,640 | 5,944 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,415,000 | 6,551 |
| Total interest expense | $2,254,000 | 5,967 |
| Net interest income | $2,161,000 | 6,959 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $62,000 | 11,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 9,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,076 |
| Total noninterest expense | $1,134,000 | 8,447 |
| Salaries and employee benefits | $526,000 | 8,887 |
| Premises and equipment expense | $219,000 | 6,844 |
| Additional noninterest expense | $389,000 | 8,297 |
| Pre-tax net operating income | $1,077,000 | 5,683 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $378,000 | 5,146 |
| Income before extraordinary items | $700,000 | 5,996 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $700,000 | 5,995 |
| 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 | $699,350 | 5,980 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,956,000 | 6,755 |
| Total interest expense | $1,795,000 | 6,087 |
| Net interest income | $2,161,000 | 7,172 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $155,000 | 9,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,127 |
| Total noninterest expense | $1,379,000 | 7,979 |
| Salaries and employee benefits | $523,000 | 9,184 |
| Premises and equipment expense | $212,000 | 7,183 |
| Additional noninterest expense | $644,000 | 6,714 |
| Pre-tax net operating income | $912,000 | 6,337 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $334,000 | 5,466 |
| Income before extraordinary items | $577,000 | 6,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $577,000 | 6,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $577,640 | 6,769 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,114,000 | 6,734 |
| Total interest expense | $1,882,000 | 6,135 |
| Net interest income | $2,232,000 | 7,085 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $53,000 | 12,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 10,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,880 |
| Total noninterest expense | $1,077,000 | 9,415 |
| Salaries and employee benefits | $531,000 | 9,371 |
| Premises and equipment expense | $199,000 | 7,707 |
| Additional noninterest expense | $347,000 | 9,875 |
| Pre-tax net operating income | $1,203,000 | 5,172 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $420,000 | 4,830 |
| Income before extraordinary items | $783,000 | 5,654 |
| Extraordinary gains, net | $-318,000 | 13,115 |
| Net income | $465,000 | 8,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $783,000 | 5,420 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,664,000 | 6,714 |
| Total interest expense | $2,431,000 | 6,121 |
| Net interest income | $2,233,000 | 7,170 |
| Provision for loan and lease losses | $82,000 | 7,825 |
| Total noninterest income | $48,000 | 13,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 10,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $1,058,000 | 9,713 |
| Salaries and employee benefits | $480,000 | 9,977 |
| Premises and equipment expense | $201,000 | 7,807 |
| Additional noninterest expense | $377,000 | 9,849 |
| Pre-tax net operating income | $1,141,000 | 5,124 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $404,000 | 4,753 |
| Income before extraordinary items | $737,000 | 5,705 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $737,000 | 5,775 |
| 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 | $737,000 | 5,367 |
* 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.