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The Findlay Savings Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$723,0009,313
Total interest expense$599,0008,828
Net interest income$124,0009,541
Provision for loan and lease losses$36,0007,043
Total noninterest income$199,0007,320
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$21,0008,109
Trading account gains and fees$0177
Additional Noninterest Income$178,0005,187
Total noninterest expense$680,0008,730
Salaries and employee benefits$291,0009,099
Premises and equipment expense$142,0007,658
Additional noninterest expense$247,0008,247
Pre-tax net operating income$-393,0009,107
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-393,0009,180
Extraordinary gains, net$0105
Net income$-393,0009,181
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0005,793
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$195,000585
Net operating income$-393,0009,137
2000-12-31 (YTD Data)Rank
Total interest income$1,288,0009,166
Total interest expense$722,0008,815
Net interest income$566,0009,340
Provision for loan and lease losses$112,0005,070
Total noninterest income$1,301,0002,600
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0007,530
Trading account gains and feesNANA
Additional Noninterest Income$1,247,0001,612
Total noninterest expense$2,692,0004,605
Salaries and employee benefits$1,310,0004,880
Premises and equipment expense$441,0004,188
Additional noninterest expense$941,0004,179
Pre-tax net operating income$-938,0009,702
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-938,0009,717
Extraordinary gains, net$038
Net income$-938,0009,716
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,0004,010
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-938,0009,716
1999-12-31 (YTD Data)Rank
Total interest income$1,389,0009,211
Total interest expense$791,0008,700
Net interest income$598,0009,515
Provision for loan and lease losses$19,0007,736
Total noninterest income$342,0006,081
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$31,0008,273
Trading account gains and feesNANA
Additional Noninterest Income$311,0003,945
Total noninterest expense$1,540,0006,670
Salaries and employee benefits$487,0008,413
Premises and equipment expense$167,0007,366
Additional noninterest expense$886,0004,436
Pre-tax net operating income$-619,0009,927
Securities gains (losses)$295,000461
Applicable income taxes$08,765
Income before extraordinary items$-324,0009,784
Extraordinary gains, net$035
Net income$-324,0009,783
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-619,0009,953
1998-12-31 (YTD Data)Rank
Total interest income$1,412,0009,403
Total interest expense$866,0008,775
Net interest income$546,0009,830
Provision for loan and lease losses$10,0008,212
Total noninterest income$275,0006,712
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$22,0008,673
Trading account gains and feesNANA
Additional Noninterest Income$253,0004,394
Total noninterest expense$839,0008,638
Salaries and employee benefits$359,0009,231
Premises and equipment expense$146,0007,743
Additional noninterest expense$334,0007,793
Pre-tax net operating income$-28,0009,843
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-28,0009,878
Extraordinary gains, net$032
Net income$-28,0009,877
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$21,0007,243
Sale, conversion, retirement of capital stock, net$100,000774
Net operating income$-28,0009,838
1997-12-31 (YTD Data)Rank
Total interest income$1,389,0009,822
Total interest expense$826,0009,182
Net interest income$563,00010,260
Provision for loan and lease losses$08,829
Total noninterest income$47,00010,338
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$13,0009,242
Trading account gains and feesNANA
Additional Noninterest Income$34,0009,136
Total noninterest expense$456,00010,301
Salaries and employee benefits$221,00010,433
Premises and equipment expense$36,00010,506
Additional noninterest expense$199,0009,418
Pre-tax net operating income$154,0009,825
Securities gains (losses)$03,944
Applicable income taxes$-22,00010,560
Income before extraordinary items$176,0009,365
Extraordinary gains, net$044
Net income$176,0009,367
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$176,0009,317
1996-12-31 (YTD Data)Rank
Total interest income$1,136,00010,614
Total interest expense$694,0009,980
Net interest income$442,00011,016
Provision for loan and lease losses$09,041
Total noninterest income$20,00011,238
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$16,0009,652
Trading account gains and feesNANA
Additional Noninterest Income$4,00011,246
Total noninterest expense$495,00010,616
Salaries and employee benefits$198,00011,021
Premises and equipment expense$26,00011,208
Additional noninterest expense$271,0009,181
Pre-tax net operating income$-33,00010,870
Securities gains (losses)$04,148
Applicable income taxes$5,00010,459
Income before extraordinary items$-38,00010,905
Extraordinary gains, net$053
Net income$-38,00010,901
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-38,00010,864
1995-12-31 (YTD Data)Rank
Total interest income$1,201,00010,978
Total interest expense$722,00010,224
Net interest income$479,00011,446
Provision for loan and lease losses$08,958
Total noninterest income$27,00011,697
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$23,0009,934
Trading account gains and feesNANA
Additional Noninterest Income$4,00011,796
Total noninterest expense$428,00011,338
Salaries and employee benefits$209,00011,442
Premises and equipment expense$25,00011,720
Additional noninterest expense$194,00010,487
Pre-tax net operating income$78,00011,191
Securities gains (losses)$57,0001,220
Applicable income taxes$48,00010,228
Income before extraordinary items$87,00011,041
Extraordinary gains, net$065
Net income$87,00011,040
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0008,178
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$50,52011,253
1994-12-31 (YTD Data)Rank
Total interest income$1,167,00011,412
Total interest expense$642,00010,394
Net interest income$525,00011,927
Provision for loan and lease losses$09,146
Total noninterest income$27,00012,310
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$23,00010,480
Trading account gains and feesNANA
Additional Noninterest Income$4,00012,414
Total noninterest expense$456,00011,812
Salaries and employee benefits$197,00012,085
Premises and equipment expense$32,00012,185
Additional noninterest expense$227,00010,811
Pre-tax net operating income$96,00011,656
Securities gains (losses)$03,600
Applicable income taxes$18,00011,192
Income before extraordinary items$78,00011,588
Extraordinary gains, net$0249
Net income$78,00011,595
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$78,00011,634
1993-12-31 (YTD Data)Rank
Total interest income$1,208,00011,876
Total interest expense$694,00010,622
Net interest income$514,00012,513
Provision for loan and lease losses$010,371
Total noninterest income$50,00012,542
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$50,00010,096
Total noninterest expense$314,00012,939
Salaries and employee benefits$181,00012,768
Premises and equipment expense$68,00011,579
Additional noninterest expense$65,00013,158
Pre-tax net operating income$250,00010,616
Securities gains (losses)$07,477
Applicable income taxes$70,00010,475
Income before extraordinary items$180,00010,869
Extraordinary gains, net$03,149
Net income$180,00010,970
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$180,00010,652
1992-12-31 (YTD Data)Rank
Total interest income$1,173,00012,663
Total interest expense$706,00011,780
Net interest income$467,00013,183
Provision for loan and lease losses$15,00010,851
Total noninterest income$37,00013,409
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$37,00011,257
Total noninterest expense$332,00013,467
Salaries and employee benefits$185,00013,296
Premises and equipment expense$53,00012,576
Additional noninterest expense$94,00013,584
Pre-tax net operating income$157,00011,454
Securities gains (losses)$18,0005,726
Applicable income taxes$48,00011,313
Income before extraordinary items$127,00011,587
Extraordinary gains, net$01,422
Net income$127,00011,668
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$113,86011,450

* 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.