Home > State Savings Bank > Income and Expense
State Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $164,177,000 | 272 |
| Total interest expense | $88,348,000 | 253 |
| Net interest income | $75,829,000 | 286 |
| Provision for loan and lease losses | $1,259,000 | 823 |
| Total noninterest income | $10,760,000 | 541 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $3,704,000 | 364 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $7,056,000 | 507 |
| Total noninterest expense | $45,582,000 | 360 |
| Salaries and employee benefits | $21,467,000 | 335 |
| Premises and equipment expense | $6,389,000 | 357 |
| Additional noninterest expense | $17,726,000 | 364 |
| Pre-tax net operating income | $39,748,000 | 272 |
| Securities gains (losses) | $-187,000 | 10,827 |
| Applicable income taxes | $13,969,000 | 277 |
| Income before extraordinary items | $25,592,000 | 285 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $25,592,000 | 285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-377,000 | 10,865 |
| Cash dividends | $40,000,000 | 150 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $25,713,550 | 275 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $154,444,000 | 313 |
| Total interest expense | $85,406,000 | 287 |
| Net interest income | $69,038,000 | 343 |
| Provision for loan and lease losses | $699,000 | 1,332 |
| Total noninterest income | $12,987,000 | 499 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $3,186,000 | 453 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $9,801,000 | 433 |
| Total noninterest expense | $45,362,000 | 414 |
| Salaries and employee benefits | $16,406,000 | 445 |
| Premises and equipment expense | $5,308,000 | 446 |
| Additional noninterest expense | $23,648,000 | 385 |
| Pre-tax net operating income | $35,964,000 | 309 |
| Securities gains (losses) | $645,000 | 356 |
| Applicable income taxes | $11,375,000 | 333 |
| Income before extraordinary items | $25,234,000 | 292 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $25,234,000 | 293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 2,267 |
| Cash dividends | $4,000,000 | 769 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $24,788,950 | 288 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $144,851,000 | 337 |
| Total interest expense | $85,964,000 | 298 |
| Net interest income | $58,887,000 | 400 |
| Provision for loan and lease losses | $303,000 | 2,257 |
| Total noninterest income | $10,763,000 | 579 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,451,000 | 575 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $8,312,000 | 477 |
| Total noninterest expense | $39,300,000 | 475 |
| Salaries and employee benefits | $16,526,000 | 462 |
| Premises and equipment expense | $4,690,000 | 518 |
| Additional noninterest expense | $18,084,000 | 459 |
| Pre-tax net operating income | $30,047,000 | 354 |
| Securities gains (losses) | $-1,418,000 | 11,889 |
| Applicable income taxes | $8,665,000 | 405 |
| Income before extraordinary items | $19,964,000 | 355 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $19,964,000 | 354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,432 |
| Cash dividends | $3,000,000 | 907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $20,956,600 | 340 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $119,848,000 | 353 |
| Total interest expense | $58,317,000 | 334 |
| Net interest income | $61,531,000 | 374 |
| Provision for loan and lease losses | $1,175,000 | 839 |
| Total noninterest income | $11,190,000 | 542 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-379,000 | 4,919 |
| Additional Noninterest Income | $11,569,000 | 382 |
| Total noninterest expense | $34,990,000 | 516 |
| Salaries and employee benefits | $17,019,000 | 453 |
| Premises and equipment expense | $4,453,000 | 533 |
| Additional noninterest expense | $13,518,000 | 564 |
| Pre-tax net operating income | $36,556,000 | 296 |
| Securities gains (losses) | $-1,939,000 | 12,477 |
| Applicable income taxes | $12,254,000 | 292 |
| Income before extraordinary items | $22,363,000 | 305 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $22,363,000 | 305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-403,000 | 12,515 |
| Cash dividends | $3,870,000 | 678 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $23,623,350 | 297 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $113,754,000 | 360 |
| Total interest expense | $50,953,000 | 351 |
| Net interest income | $62,801,000 | 360 |
| Provision for loan and lease losses | $8,243,000 | 314 |
| Total noninterest income | $16,723,000 | 425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $52,000 | 323 |
| Additional Noninterest Income | $16,671,000 | 311 |
| Total noninterest expense | $37,527,000 | 507 |
| Salaries and employee benefits | $15,779,000 | 486 |
| Premises and equipment expense | $4,623,000 | 529 |
| Additional noninterest expense | $17,125,000 | 525 |
| Pre-tax net operating income | $33,754,000 | 273 |
| Securities gains (losses) | $713,000 | 701 |
| Applicable income taxes | $12,017,000 | 272 |
| Income before extraordinary items | $22,450,000 | 291 |
| Extraordinary gains, net | $4,092,000 | 80 |
| Net income | $26,542,000 | 271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-172,000 | 13,082 |
| Cash dividends | $4,001,000 | 573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $21,986,550 | 285 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $120,728,000 | 380 |
| Total interest expense | $60,016,000 | 375 |
| Net interest income | $60,712,000 | 376 |
| Provision for loan and lease losses | $7,372,000 | 461 |
| Total noninterest income | $8,028,000 | 691 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-95,000 | 5,272 |
| Additional Noninterest Income | $8,123,000 | 489 |
| Total noninterest expense | $32,719,000 | 567 |
| Salaries and employee benefits | $13,607,000 | 538 |
| Premises and equipment expense | $4,649,000 | 545 |
| Additional noninterest expense | $14,463,000 | 585 |
| Pre-tax net operating income | $28,649,000 | 257 |
| Securities gains (losses) | $423,000 | 1,233 |
| Applicable income taxes | $14,070,000 | 199 |
| Income before extraordinary items | $15,002,000 | 346 |
| Extraordinary gains, net | $-447,000 | 13,817 |
| Net income | $14,555,000 | 358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,044,000 | 726 |
| Cash dividends | $2,940,000 | 603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $14,731,280 | 316 |
* 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.