Home > Shelby Savings Bank > Income and Expense
Shelby Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,021,000 | 3,952 |
| Total interest expense | $4,661,000 | 3,187 |
| Net interest income | $3,360,000 | 4,871 |
| Provision for loan and lease losses | $43,000 | 6,927 |
| Total noninterest income | $90,000 | 9,593 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $36,000 | 8,783 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $54,000 | 8,261 |
| Total noninterest expense | $2,481,000 | 4,806 |
| Salaries and employee benefits | $1,318,000 | 4,731 |
| Premises and equipment expense | $252,000 | 6,030 |
| Additional noninterest expense | $911,000 | 4,255 |
| Pre-tax net operating income | $926,000 | 6,063 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $201,000 | 6,858 |
| Income before extraordinary items | $720,000 | 5,818 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $720,000 | 5,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $723,900 | 5,756 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,703,000 | 4,178 |
| Total interest expense | $4,678,000 | 3,195 |
| Net interest income | $3,025,000 | 5,418 |
| Provision for loan and lease losses | $38,000 | 7,073 |
| Total noninterest income | $87,000 | 10,143 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $33,000 | 9,306 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $54,000 | 8,719 |
| Total noninterest expense | $3,087,000 | 4,219 |
| Salaries and employee benefits | $1,193,000 | 5,235 |
| Premises and equipment expense | $266,000 | 6,016 |
| Additional noninterest expense | $1,628,000 | 2,922 |
| Pre-tax net operating income | $-13,000 | 10,830 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $131,000 | 8,193 |
| Income before extraordinary items | $-147,000 | 11,056 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-147,000 | 11,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-144,000 | 11,013 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,262,000 | 4,417 |
| Total interest expense | $4,150,000 | 3,574 |
| Net interest income | $3,112,000 | 5,344 |
| Provision for loan and lease losses | $-21,000 | 11,476 |
| Total noninterest income | $78,000 | 10,778 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $29,000 | 9,816 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $49,000 | 9,276 |
| Total noninterest expense | $2,377,000 | 5,215 |
| Salaries and employee benefits | $1,110,000 | 5,563 |
| Premises and equipment expense | $288,000 | 5,805 |
| Additional noninterest expense | $979,000 | 4,434 |
| Pre-tax net operating income | $834,000 | 6,706 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $301,000 | 5,979 |
| Income before extraordinary items | $540,000 | 6,959 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $540,000 | 6,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $535,520 | 6,979 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,424,000 | 4,001 |
| Total interest expense | $3,609,000 | 3,362 |
| Net interest income | $3,815,000 | 4,564 |
| Provision for loan and lease losses | $62,000 | 5,552 |
| Total noninterest income | $78,000 | 11,302 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $31,000 | 10,297 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $2,349,000 | 5,451 |
| Salaries and employee benefits | $1,022,000 | 5,988 |
| Premises and equipment expense | $279,000 | 6,023 |
| Additional noninterest expense | $1,048,000 | 4,530 |
| Pre-tax net operating income | $1,482,000 | 4,454 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $512,000 | 3,986 |
| Income before extraordinary items | $964,000 | 4,652 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $964,000 | 4,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $967,900 | 4,689 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,065,000 | 3,790 |
| Total interest expense | $4,022,000 | 3,159 |
| Net interest income | $4,043,000 | 4,353 |
| Provision for loan and lease losses | $117,000 | 5,397 |
| Total noninterest income | $77,000 | 11,876 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $34,000 | 10,611 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $43,000 | 10,513 |
| Total noninterest expense | $2,429,000 | 5,393 |
| Salaries and employee benefits | $980,000 | 6,242 |
| Premises and equipment expense | $279,000 | 6,196 |
| Additional noninterest expense | $1,170,000 | 4,286 |
| Pre-tax net operating income | $1,574,000 | 4,139 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $636,000 | 3,416 |
| Income before extraordinary items | $938,000 | 4,933 |
| Extraordinary gains, net | $30,000 | 2,491 |
| Net income | $968,000 | 4,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $938,000 | 4,705 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,689,000 | 3,975 |
| Total interest expense | $4,932,000 | 3,352 |
| Net interest income | $3,757,000 | 4,719 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $217,000 | 9,097 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $38,000 | 10,777 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $179,000 | 6,053 |
| Total noninterest expense | $2,174,000 | 5,984 |
| Salaries and employee benefits | $882,000 | 6,721 |
| Premises and equipment expense | $325,000 | 5,656 |
| Additional noninterest expense | $967,000 | 5,188 |
| Pre-tax net operating income | $1,765,000 | 3,495 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $624,000 | 3,320 |
| Income before extraordinary items | $1,141,000 | 3,988 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,141,000 | 4,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 10,059 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,141,000 | 3,705 |
* 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.