Home > Seaboard Savings Bank, F.S.B. > Income and Expense
Seaboard Savings Bank, F.S.B., Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,283,000 | 4,995 |
| Total interest expense | $4,062,000 | 3,627 |
| Net interest income | $2,221,000 | 6,830 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $249,000 | 7,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $249,000 | 4,490 |
| Total noninterest expense | $1,948,000 | 6,111 |
| Salaries and employee benefits | $875,000 | 6,679 |
| Premises and equipment expense | $370,000 | 4,828 |
| Additional noninterest expense | $703,000 | 5,832 |
| Pre-tax net operating income | $522,000 | 8,317 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $-22,000 | 11,563 |
| Income before extraordinary items | $546,000 | 6,925 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $546,000 | 6,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 11,649 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $544,000 | 6,917 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,547,000 | 5,194 |
| Total interest expense | $3,330,000 | 3,597 |
| Net interest income | $2,217,000 | 7,052 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $408,000 | 6,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $408,000 | 3,366 |
| Total noninterest expense | $1,934,000 | 6,382 |
| Salaries and employee benefits | $804,000 | 7,191 |
| Premises and equipment expense | $382,000 | 4,770 |
| Additional noninterest expense | $748,000 | 6,003 |
| Pre-tax net operating income | $651,000 | 7,710 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-153,000 | 12,357 |
| Income before extraordinary items | $804,000 | 5,346 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $804,000 | 5,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $441,000 | 1,485 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $-7,000 | 12,451 |
| Net operating income | $804,000 | 5,403 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,909,000 | 5,013 |
| Total interest expense | $3,841,000 | 3,280 |
| Net interest income | $2,068,000 | 7,494 |
| Provision for loan and lease losses | $1,324,000 | 1,086 |
| Total noninterest income | $-17,000 | 13,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $-17,000 | 13,284 |
| Total noninterest expense | $2,369,000 | 5,522 |
| Salaries and employee benefits | $911,000 | 6,648 |
| Premises and equipment expense | $423,000 | 4,485 |
| Additional noninterest expense | $1,035,000 | 4,769 |
| Pre-tax net operating income | $-1,642,000 | 13,050 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-282,000 | 13,079 |
| Income before extraordinary items | $-1,360,000 | 13,041 |
| Extraordinary gains, net | $-316,000 | 13,114 |
| Net income | $-1,676,000 | 13,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,721 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $3,717,000 | 242 |
| Net operating income | $-1,360,000 | 13,010 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,300,000 | 4,656 |
| Total interest expense | $5,035,000 | 3,289 |
| Net interest income | $2,265,000 | 7,081 |
| Provision for loan and lease losses | $634,000 | 2,538 |
| Total noninterest income | $528,000 | 5,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $528,000 | 3,074 |
| Total noninterest expense | $2,778,000 | 4,856 |
| Salaries and employee benefits | $995,000 | 6,058 |
| Premises and equipment expense | $554,000 | 3,626 |
| Additional noninterest expense | $1,229,000 | 4,256 |
| Pre-tax net operating income | $-619,000 | 13,358 |
| Securities gains (losses) | $111,000 | 2,842 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-508,000 | 13,384 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-508,000 | 13,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 5,442 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-619,000 | 13,333 |
* 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.