Home > South Bergen Savings Bank > Income and Expense
South Bergen Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,753,000 | 1,561 |
| Total interest expense | $12,045,000 | 1,288 |
| Net interest income | $8,708,000 | 1,964 |
| Provision for loan and lease losses | $195,000 | 3,570 |
| Total noninterest income | $586,000 | 4,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $586,000 | 2,682 |
| Total noninterest expense | $5,904,000 | 2,217 |
| Salaries and employee benefits | $3,367,000 | 1,985 |
| Premises and equipment expense | $862,000 | 2,264 |
| Additional noninterest expense | $1,675,000 | 2,487 |
| Pre-tax net operating income | $3,195,000 | 2,236 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,106,000 | 2,127 |
| Income before extraordinary items | $2,089,000 | 2,462 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,089,000 | 2,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,234 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,089,000 | 2,382 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,471,000 | 1,694 |
| Total interest expense | $10,431,000 | 1,487 |
| Net interest income | $9,040,000 | 1,922 |
| Provision for loan and lease losses | $250,000 | 2,930 |
| Total noninterest income | $459,000 | 5,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $459,000 | 2,999 |
| Total noninterest expense | $5,732,000 | 2,252 |
| Salaries and employee benefits | $3,231,000 | 2,037 |
| Premises and equipment expense | $770,000 | 2,508 |
| Additional noninterest expense | $1,731,000 | 2,390 |
| Pre-tax net operating income | $3,517,000 | 2,137 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,174,000 | 2,121 |
| Income before extraordinary items | $2,343,000 | 2,246 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,343,000 | 2,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $731,000 | 992 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,343,000 | 2,187 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,234,000 | 1,962 |
| Total interest expense | $9,172,000 | 1,721 |
| Net interest income | $8,062,000 | 2,236 |
| Provision for loan and lease losses | $575,000 | 1,572 |
| Total noninterest income | $128,000 | 9,387 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $128,000 | 6,422 |
| Total noninterest expense | $6,366,000 | 2,160 |
| Salaries and employee benefits | $2,588,000 | 2,586 |
| Premises and equipment expense | $680,000 | 2,880 |
| Additional noninterest expense | $3,098,000 | 1,682 |
| Pre-tax net operating income | $1,249,000 | 4,981 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $446,000 | 4,533 |
| Income before extraordinary items | $803,000 | 5,292 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $803,000 | 5,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $763,000 | 1,050 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $803,000 | 5,225 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,265,000 | 2,208 |
| Total interest expense | $8,580,000 | 1,844 |
| Net interest income | $6,685,000 | 2,667 |
| Provision for loan and lease losses | $360,000 | 2,012 |
| Total noninterest income | $230,000 | 8,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $230,000 | 4,721 |
| Total noninterest expense | $4,825,000 | 2,807 |
| Salaries and employee benefits | $2,393,000 | 2,794 |
| Premises and equipment expense | $634,000 | 3,068 |
| Additional noninterest expense | $1,798,000 | 2,630 |
| Pre-tax net operating income | $1,730,000 | 3,978 |
| Securities gains (losses) | $-412,000 | 11,789 |
| Applicable income taxes | $475,000 | 4,358 |
| Income before extraordinary items | $843,000 | 5,245 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $843,000 | 5,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,265 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,106,680 | 4,208 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,288,000 | 2,032 |
| Total interest expense | $6,788,000 | 1,850 |
| Net interest income | $8,500,000 | 2,118 |
| Provision for loan and lease losses | $562,000 | 1,408 |
| Total noninterest income | $263,000 | 7,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $263,000 | 4,452 |
| Total noninterest expense | $5,112,000 | 2,723 |
| Salaries and employee benefits | $2,462,000 | 2,706 |
| Premises and equipment expense | $628,000 | 3,138 |
| Additional noninterest expense | $2,022,000 | 2,550 |
| Pre-tax net operating income | $3,089,000 | 2,295 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $1,111,000 | 2,029 |
| Income before extraordinary items | $1,979,000 | 2,456 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,979,000 | 2,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 1,717 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,978,360 | 2,474 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,099,000 | 1,831 |
| Total interest expense | $7,600,000 | 1,737 |
| Net interest income | $9,499,000 | 1,900 |
| Provision for loan and lease losses | $1,434,000 | 1,039 |
| Total noninterest income | $264,000 | 8,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $264,000 | 4,836 |
| Total noninterest expense | $6,134,000 | 2,341 |
| Salaries and employee benefits | $2,169,000 | 3,020 |
| Premises and equipment expense | $603,000 | 3,313 |
| Additional noninterest expense | $3,362,000 | 1,745 |
| Pre-tax net operating income | $2,195,000 | 3,024 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $73,000 | 10,384 |
| Income before extraordinary items | $2,123,000 | 2,358 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,123,000 | 2,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,490,000 | 635 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,122,030 | 2,220 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,461,000 | 1,823 |
| Total interest expense | $11,084,000 | 1,577 |
| Net interest income | $8,377,000 | 2,170 |
| Provision for loan and lease losses | $1,287,000 | 1,561 |
| Total noninterest income | $145,000 | 10,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $5,044,000 | 2,842 |
| Salaries and employee benefits | $1,810,000 | 3,533 |
| Premises and equipment expense | $637,000 | 3,176 |
| Additional noninterest expense | $2,597,000 | 2,252 |
| Pre-tax net operating income | $2,191,000 | 2,851 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,206,000 | 1,752 |
| Income before extraordinary items | $985,000 | 4,569 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $985,000 | 4,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 5,532 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $985,000 | 4,240 |
* 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.