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Shirley Co-operative Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$1,809,0009,264
Total interest expense$814,0009,216
Net interest income$995,0009,206
Provision for loan and lease losses$8,0008,510
Total noninterest income$199,0007,854
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$98,0007,244
Trading account gains and feesNANA
Additional Noninterest Income$101,0006,756
Total noninterest expense$1,012,0008,299
Salaries and employee benefits$449,0008,949
Premises and equipment expense$91,0009,188
Additional noninterest expense$472,0006,733
Pre-tax net operating income$174,0009,712
Securities gains (losses)$03,944
Applicable income taxes$62,0009,053
Income before extraordinary items$112,0009,886
Extraordinary gains, net$044
Net income$112,0009,886
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$112,0009,845
1996-12-31 (YTD Data)Rank
Total interest income$1,619,0009,941
Total interest expense$697,0009,971
Net interest income$922,0009,774
Provision for loan and lease losses$29,0007,529
Total noninterest income$204,0008,172
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$100,0007,492
Trading account gains and feesNANA
Additional Noninterest Income$104,0006,999
Total noninterest expense$938,0008,931
Salaries and employee benefits$475,0009,058
Premises and equipment expense$70,00010,079
Additional noninterest expense$393,0007,935
Pre-tax net operating income$159,00010,030
Securities gains (losses)$04,148
Applicable income taxes$43,0009,812
Income before extraordinary items$116,00010,084
Extraordinary gains, net$053
Net income$116,00010,083
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0005,970
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$116,00010,032
1995-12-31 (YTD Data)Rank
Total interest income$1,458,00010,601
Total interest expense$603,00010,649
Net interest income$855,00010,367
Provision for loan and lease losses$08,958
Total noninterest income$197,0008,478
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$96,0007,891
Trading account gains and feesNANA
Additional Noninterest Income$101,0007,205
Total noninterest expense$801,0009,765
Salaries and employee benefits$380,00010,087
Premises and equipment expense$58,00010,852
Additional noninterest expense$363,0008,565
Pre-tax net operating income$251,00010,111
Securities gains (losses)$03,831
Applicable income taxes$78,0009,622
Income before extraordinary items$173,00010,234
Extraordinary gains, net$065
Net income$173,00010,237
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,680
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$173,00010,205
1994-12-31 (YTD Data)Rank
Total interest income$1,210,00011,331
Total interest expense$498,00011,112
Net interest income$712,00011,339
Provision for loan and lease losses$09,146
Total noninterest income$225,0008,315
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0008,439
Trading account gains and feesNANA
Additional Noninterest Income$137,0006,499
Total noninterest expense$772,00010,368
Salaries and employee benefits$363,00010,620
Premises and equipment expense$51,00011,600
Additional noninterest expense$358,0009,258
Pre-tax net operating income$165,00011,161
Securities gains (losses)$13,0002,050
Applicable income taxes$42,00010,655
Income before extraordinary items$136,00010,984
Extraordinary gains, net$0249
Net income$136,00010,991
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,447
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$126,12011,145
1993-12-31 (YTD Data)Rank
Total interest income$1,153,00011,982
Total interest expense$518,00011,603
Net interest income$635,00012,093
Provision for loan and lease losses$1,00010,323
Total noninterest income$243,0008,472
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$8,00011,238
Trading account gains and feesNANA
Additional Noninterest Income$235,0005,178
Total noninterest expense$733,00011,002
Salaries and employee benefits$292,00011,743
Premises and equipment expense$48,00012,290
Additional noninterest expense$393,0009,341
Pre-tax net operating income$144,00011,519
Securities gains (losses)$25,0004,353
Applicable income taxes$46,00011,040
Income before extraordinary items$123,00011,542
Extraordinary gains, net$03,149
Net income$123,00011,595
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,00011,292
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$104,75011,563
1992-12-31 (YTD Data)Rank
Total interest income$1,291,00012,423
Total interest expense$620,00012,203
Net interest income$671,00012,435
Provision for loan and lease losses$20,00010,574
Total noninterest income$87,00012,070
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$63,0009,807
Trading account gains and feesNANA
Additional Noninterest Income$24,00012,236
Total noninterest expense$586,00012,148
Salaries and employee benefits$250,00012,604
Premises and equipment expense$46,00012,842
Additional noninterest expense$290,00010,974
Pre-tax net operating income$152,00011,513
Securities gains (losses)$3,0007,429
Applicable income taxes$27,00011,890
Income before extraordinary items$128,00011,574
Extraordinary gains, net$01,422
Net income$128,00011,654
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0008,252
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$125,51011,292

* 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.