Home > SJS Federal Savings Bank > Income and Expense
SJS Federal Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,938,000 | 3,004 |
| Total interest expense | $6,940,000 | 2,227 |
| Net interest income | $3,998,000 | 4,327 |
| Provision for loan and lease losses | $159,000 | 3,951 |
| Total noninterest income | $706,000 | 4,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $706,000 | 2,283 |
| Total noninterest expense | $3,714,000 | 3,572 |
| Salaries and employee benefits | $1,418,000 | 4,544 |
| Premises and equipment expense | $525,000 | 3,632 |
| Additional noninterest expense | $1,771,000 | 2,736 |
| Pre-tax net operating income | $831,000 | 6,364 |
| Securities gains (losses) | $-12,000 | 10,370 |
| Applicable income taxes | $330,000 | 5,524 |
| Income before extraordinary items | $489,000 | 6,973 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $489,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,983 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $496,680 | 6,861 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,399,000 | 3,477 |
| Total interest expense | $5,750,000 | 2,665 |
| Net interest income | $3,649,000 | 4,685 |
| Provision for loan and lease losses | $149,000 | 3,690 |
| Total noninterest income | $571,000 | 4,737 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $571,000 | 2,622 |
| Total noninterest expense | $2,926,000 | 4,384 |
| Salaries and employee benefits | $1,290,000 | 4,890 |
| Premises and equipment expense | $479,000 | 3,893 |
| Additional noninterest expense | $1,157,000 | 3,864 |
| Pre-tax net operating income | $1,145,000 | 5,430 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $274,000 | 6,313 |
| Income before extraordinary items | $887,000 | 5,046 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $887,000 | 5,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $874,840 | 5,087 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,742,000 | 3,849 |
| Total interest expense | $5,280,000 | 2,341 |
| Net interest income | $2,462,000 | 6,552 |
| Provision for loan and lease losses | $-48,000 | 11,983 |
| Total noninterest income | $416,000 | 5,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-34,000 | 4,838 |
| Additional Noninterest Income | $450,000 | 3,168 |
| Total noninterest expense | $2,929,000 | 4,507 |
| Salaries and employee benefits | $1,401,000 | 4,561 |
| Premises and equipment expense | $488,000 | 3,879 |
| Additional noninterest expense | $1,040,000 | 4,568 |
| Pre-tax net operating income | $-3,000 | 12,105 |
| Securities gains (losses) | $67,000 | 985 |
| Applicable income taxes | $114,000 | 9,050 |
| Income before extraordinary items | $-50,000 | 12,109 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-50,000 | 12,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,622 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-92,880 | 12,162 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,117,000 | 3,766 |
| Total interest expense | $5,707,000 | 2,272 |
| Net interest income | $2,410,000 | 6,721 |
| Provision for loan and lease losses | $-48,000 | 12,730 |
| Total noninterest income | $512,000 | 5,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-6,000 | 5,074 |
| Additional Noninterest Income | $518,000 | 3,195 |
| Total noninterest expense | $2,708,000 | 4,913 |
| Salaries and employee benefits | $1,352,000 | 4,715 |
| Premises and equipment expense | $521,000 | 3,726 |
| Additional noninterest expense | $835,000 | 5,721 |
| Pre-tax net operating income | $262,000 | 10,535 |
| Securities gains (losses) | $886,000 | 588 |
| Applicable income taxes | $394,000 | 5,065 |
| Income before extraordinary items | $754,000 | 5,811 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $754,000 | 5,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 12,473 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $169,240 | 10,789 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,727,000 | 3,585 |
| Total interest expense | $7,058,000 | 2,384 |
| Net interest income | $2,669,000 | 6,274 |
| Provision for loan and lease losses | $-32,000 | 13,561 |
| Total noninterest income | $526,000 | 5,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $526,000 | 3,083 |
| Total noninterest expense | $2,689,000 | 4,979 |
| Salaries and employee benefits | $1,320,000 | 4,759 |
| Premises and equipment expense | $517,000 | 3,851 |
| Additional noninterest expense | $852,000 | 5,781 |
| Pre-tax net operating income | $538,000 | 8,154 |
| Securities gains (losses) | $612,000 | 922 |
| Applicable income taxes | $357,000 | 5,253 |
| Income before extraordinary items | $793,000 | 5,400 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $793,000 | 5,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 13,128 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $370,720 | 8,145 |
* 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.