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The Derby Savings Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$90,712,000469
Total interest expense$51,270,000415
Net interest income$39,442,000519
Provision for loan and lease losses$4,850,000340
Total noninterest income$2,705,0001,466
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,009,0001,332
Trading account gains and fees$331,000134
Additional Noninterest Income$1,365,0001,468
Total noninterest expense$22,874,000708
Salaries and employee benefits$11,108,000636
Premises and equipment expense$3,074,000722
Additional noninterest expense$8,692,000747
Pre-tax net operating income$14,423,000587
Securities gains (losses)$978,000257
Applicable income taxes$5,984,000516
Income before extraordinary items$9,417,000617
Extraordinary gains, net$053
Net income$9,417,000617
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,602,000406
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$8,791,080636
1995-12-31 (YTD Data)Rank
Total interest income$86,835,000502
Total interest expense$51,626,000431
Net interest income$35,209,000584
Provision for loan and lease losses$2,525,000501
Total noninterest income$4,472,0001,031
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$898,0001,520
Trading account gains and fees$539,000168
Additional Noninterest Income$3,035,000882
Total noninterest expense$23,339,000700
Salaries and employee benefits$10,415,000673
Premises and equipment expense$3,169,000723
Additional noninterest expense$9,755,000701
Pre-tax net operating income$13,817,000637
Securities gains (losses)$-1,059,00011,874
Applicable income taxes$5,087,000604
Income before extraordinary items$7,671,000748
Extraordinary gains, net$065
Net income$7,671,000748
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,422,000508
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$8,348,760688
1994-12-31 (YTD Data)Rank
Total interest income$77,478,000486
Total interest expense$42,788,000408
Net interest income$34,690,000593
Provision for loan and lease losses$2,325,000518
Total noninterest income$2,356,0001,632
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$860,0001,578
Trading account gains and fees$-79,0004,868
Additional Noninterest Income$1,575,0001,329
Total noninterest expense$25,467,000669
Salaries and employee benefits$9,946,000705
Premises and equipment expense$3,097,000743
Additional noninterest expense$12,424,000592
Pre-tax net operating income$9,254,000845
Securities gains (losses)$625,000233
Applicable income taxes$4,009,000678
Income before extraordinary items$5,870,000888
Extraordinary gains, net$0249
Net income$5,870,000886
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,501,000472
Cash dividends$567,0002,927
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$5,470,000946
1993-12-31 (YTD Data)Rank
Total interest income$74,755,000499
Total interest expense$43,704,000393
Net interest income$31,051,000646
Provision for loan and lease losses$2,475,000694
Total noninterest income$6,315,000833
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$867,0001,580
Trading account gains and fees$0532
Additional Noninterest Income$5,448,000631
Total noninterest expense$26,780,000673
Salaries and employee benefits$9,450,000731
Premises and equipment expense$3,101,000747
Additional noninterest expense$14,229,000598
Pre-tax net operating income$8,111,000897
Securities gains (losses)$422,0001,011
Applicable income taxes$3,432,000749
Income before extraordinary items$5,101,0001,008
Extraordinary gains, net$1,548,000152
Net income$6,649,000817
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,697,000495
Cash dividends$872,0001,993
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$4,830,9201,004
1992-12-31 (YTD Data)Rank
Total interest income$54,547,000721
Total interest expense$31,733,000633
Net interest income$22,814,000843
Provision for loan and lease losses$1,375,0001,495
Total noninterest income$2,129,0001,849
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$473,0002,949
Trading account gains and fees$0504
Additional Noninterest Income$1,656,0001,422
Total noninterest expense$15,635,0001,038
Salaries and employee benefits$5,727,0001,167
Premises and equipment expense$1,657,0001,321
Additional noninterest expense$8,251,000897
Pre-tax net operating income$7,933,000810
Securities gains (losses)$486,0001,109
Applicable income taxes$3,367,000695
Income before extraordinary items$5,052,000945
Extraordinary gains, net$01,422
Net income$5,052,000948
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,491,0001,196
Cash dividends$743,0002,041
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$4,740,960909

* 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.