Home > The Hibernia Savings Bank > Income and Expense
The Hibernia Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $33,235,000 | 1,033 |
| Total interest expense | $18,472,000 | 889 |
| Net interest income | $14,763,000 | 1,196 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $727,000 | 3,859 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $380,000 | 3,361 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $347,000 | 3,600 |
| Total noninterest expense | $9,937,000 | 1,328 |
| Salaries and employee benefits | $5,251,000 | 1,258 |
| Premises and equipment expense | $1,833,000 | 1,079 |
| Additional noninterest expense | $2,853,000 | 1,505 |
| Pre-tax net operating income | $5,353,000 | 1,452 |
| Securities gains (losses) | $-121,000 | 10,795 |
| Applicable income taxes | $1,801,000 | 1,455 |
| Income before extraordinary items | $3,431,000 | 1,573 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,431,000 | 1,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-86,000 | 10,677 |
| Cash dividends | $622,000 | 3,004 |
| Sale, conversion, retirement of capital stock, net | $1,293,000 | 428 |
| Net operating income | $3,510,860 | 1,489 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $29,141,000 | 1,180 |
| Total interest expense | $16,737,000 | 998 |
| Net interest income | $12,404,000 | 1,448 |
| Provision for loan and lease losses | $1,211,000 | 887 |
| Total noninterest income | $446,000 | 5,575 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $301,000 | 4,214 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $145,000 | 6,070 |
| Total noninterest expense | $7,825,000 | 1,812 |
| Salaries and employee benefits | $4,202,000 | 1,592 |
| Premises and equipment expense | $1,346,000 | 1,504 |
| Additional noninterest expense | $2,277,000 | 2,194 |
| Pre-tax net operating income | $3,814,000 | 1,903 |
| Securities gains (losses) | $18,000 | 2,073 |
| Applicable income taxes | $1,445,000 | 1,657 |
| Income before extraordinary items | $2,387,000 | 2,084 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,387,000 | 2,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,130,000 | 832 |
| Cash dividends | $457,000 | 3,598 |
| Sale, conversion, retirement of capital stock, net | $3,439,000 | 210 |
| Net operating income | $2,375,480 | 2,044 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,061,000 | 1,424 |
| Total interest expense | $13,720,000 | 1,208 |
| Net interest income | $10,341,000 | 1,728 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $1,231,000 | 2,660 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $253,000 | 4,907 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $978,000 | 1,831 |
| Total noninterest expense | $7,053,000 | 1,960 |
| Salaries and employee benefits | $3,409,000 | 1,941 |
| Premises and equipment expense | $1,009,000 | 2,002 |
| Additional noninterest expense | $2,635,000 | 1,893 |
| Pre-tax net operating income | $4,219,000 | 1,746 |
| Securities gains (losses) | $146,000 | 789 |
| Applicable income taxes | $1,646,000 | 1,518 |
| Income before extraordinary items | $2,719,000 | 1,853 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,719,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $335,000 | 4,285 |
| Sale, conversion, retirement of capital stock, net | $589,000 | 355 |
| Net operating income | $2,625,560 | 1,892 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,818,000 | 1,639 |
| Total interest expense | $9,498,000 | 1,373 |
| Net interest income | $9,320,000 | 1,945 |
| Provision for loan and lease losses | $135,000 | 3,817 |
| Total noninterest income | $457,000 | 5,630 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $217,000 | 5,563 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $240,000 | 4,702 |
| Total noninterest expense | $6,766,000 | 2,100 |
| Salaries and employee benefits | $3,052,000 | 2,175 |
| Premises and equipment expense | $886,000 | 2,277 |
| Additional noninterest expense | $2,828,000 | 1,914 |
| Pre-tax net operating income | $2,876,000 | 2,468 |
| Securities gains (losses) | $194,000 | 508 |
| Applicable income taxes | $1,002,000 | 2,240 |
| Income before extraordinary items | $2,068,000 | 2,352 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,068,000 | 2,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 1,655 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $411,000 | 575 |
| Net operating income | $1,938,020 | 2,525 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,270,000 | 1,711 |
| Total interest expense | $8,949,000 | 1,490 |
| Net interest income | $9,321,000 | 1,943 |
| Provision for loan and lease losses | $2,080,000 | 787 |
| Total noninterest income | $662,000 | 4,615 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $201,000 | 5,955 |
| Trading account gains and fees | $37,000 | 348 |
| Additional Noninterest Income | $424,000 | 3,625 |
| Total noninterest expense | $7,540,000 | 1,956 |
| Salaries and employee benefits | $2,660,000 | 2,493 |
| Premises and equipment expense | $825,000 | 2,481 |
| Additional noninterest expense | $4,055,000 | 1,499 |
| Pre-tax net operating income | $363,000 | 9,704 |
| Securities gains (losses) | $3,915,000 | 184 |
| Applicable income taxes | $1,198,000 | 1,926 |
| Income before extraordinary items | $3,080,000 | 1,643 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,080,000 | 1,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,655,000 | 611 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $278,000 | 720 |
| Net operating income | $261,200 | 9,656 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,805,000 | 1,881 |
| Total interest expense | $10,569,000 | 1,635 |
| Net interest income | $8,236,000 | 2,205 |
| Provision for loan and lease losses | $2,270,000 | 1,048 |
| Total noninterest income | $720,000 | 4,314 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $163,000 | 6,783 |
| Trading account gains and fees | $36,000 | 340 |
| Additional Noninterest Income | $521,000 | 3,104 |
| Total noninterest expense | $6,989,000 | 2,107 |
| Salaries and employee benefits | $2,289,000 | 2,837 |
| Premises and equipment expense | $792,000 | 2,629 |
| Additional noninterest expense | $3,908,000 | 1,616 |
| Pre-tax net operating income | $-303,000 | 13,172 |
| Securities gains (losses) | $2,152,000 | 390 |
| Applicable income taxes | $265,000 | 6,436 |
| Income before extraordinary items | $1,584,000 | 2,906 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,584,000 | 2,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,915,000 | 986 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $417,000 | 589 |
| Net operating income | $-266,720 | 13,116 |
* 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.