Home > St. Clair Federal Savings Bank > Income and Expense
St. Clair Federal Savings Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,326,000 | 4,971 |
| Total interest expense | $3,298,000 | 4,376 |
| Net interest income | $3,028,000 | 5,458 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $828,000 | 3,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $828,000 | 2,052 |
| Total noninterest expense | $2,185,000 | 5,591 |
| Salaries and employee benefits | $1,092,000 | 5,632 |
| Premises and equipment expense | $576,000 | 3,320 |
| Additional noninterest expense | $517,000 | 7,119 |
| Pre-tax net operating income | $1,671,000 | 4,076 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $425,000 | 4,737 |
| Income before extraordinary items | $1,275,000 | 3,755 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,275,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,624 |
| Cash dividends | $763,000 | 2,508 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,253,250 | 3,789 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,980,000 | 4,880 |
| Total interest expense | $2,794,000 | 4,216 |
| Net interest income | $3,186,000 | 5,344 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $805,000 | 3,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $805,000 | 2,126 |
| Total noninterest expense | $2,561,000 | 5,048 |
| Salaries and employee benefits | $1,176,000 | 5,338 |
| Premises and equipment expense | $707,000 | 2,803 |
| Additional noninterest expense | $678,000 | 6,486 |
| Pre-tax net operating income | $1,430,000 | 4,592 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $459,000 | 4,316 |
| Income before extraordinary items | $977,000 | 4,614 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $977,000 | 4,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 11,561 |
| Cash dividends | $514,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $972,920 | 4,671 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,291,000 | 7,860 |
| Total interest expense | $1,616,000 | 6,835 |
| Net interest income | $1,675,000 | 8,566 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $596,000 | 4,981 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $596,000 | 2,909 |
| Total noninterest expense | $1,285,000 | 8,564 |
| Salaries and employee benefits | $552,000 | 9,193 |
| Premises and equipment expense | $293,000 | 5,976 |
| Additional noninterest expense | $440,000 | 8,822 |
| Pre-tax net operating income | $986,000 | 5,939 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $194,000 | 7,729 |
| Income before extraordinary items | $792,000 | 5,610 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $792,000 | 5,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 3,338 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $792,000 | 5,372 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,474,000 | 4,566 |
| Total interest expense | $4,443,000 | 3,691 |
| Net interest income | $3,031,000 | 5,662 |
| Provision for loan and lease losses | $349,000 | 3,794 |
| Total noninterest income | $1,326,000 | 2,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,326,000 | 1,645 |
| Total noninterest expense | $2,747,000 | 4,896 |
| Salaries and employee benefits | $840,000 | 6,995 |
| Premises and equipment expense | $623,000 | 3,238 |
| Additional noninterest expense | $1,284,000 | 4,085 |
| Pre-tax net operating income | $1,261,000 | 4,723 |
| Securities gains (losses) | $42,000 | 4,413 |
| Applicable income taxes | $464,000 | 4,248 |
| Income before extraordinary items | $839,000 | 5,169 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $839,000 | 5,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $570,000 | 2,250 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $812,120 | 4,999 |
* 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.