Home > The Jersey Bank for Savings > Income and Expense
The Jersey Bank for Savings, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,151,000 | 5,670 |
| Total interest expense | $3,023,000 | 4,683 |
| Net interest income | $2,128,000 | 6,664 |
| Provision for loan and lease losses | $23,000 | 7,798 |
| Total noninterest income | $166,000 | 8,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 8,605 |
| Total noninterest expense | $1,686,000 | 6,333 |
| Salaries and employee benefits | $760,000 | 6,970 |
| Premises and equipment expense | $327,000 | 5,146 |
| Additional noninterest expense | $599,000 | 5,821 |
| Pre-tax net operating income | $585,000 | 7,492 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $216,000 | 6,669 |
| Income before extraordinary items | $369,000 | 7,859 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $369,000 | 7,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $96,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $336,000 | 597 |
| Net operating income | $369,000 | 7,806 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,114,000 | 6,751 |
| Total interest expense | $2,380,000 | 5,707 |
| Net interest income | $1,734,000 | 7,697 |
| Provision for loan and lease losses | $47,000 | 6,760 |
| Total noninterest income | $135,000 | 9,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $1,292,000 | 7,689 |
| Salaries and employee benefits | $595,000 | 8,167 |
| Premises and equipment expense | $243,000 | 6,346 |
| Additional noninterest expense | $454,000 | 7,439 |
| Pre-tax net operating income | $530,000 | 7,773 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $198,000 | 7,164 |
| Income before extraordinary items | $332,000 | 8,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $332,000 | 8,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $96,000 | 6,813 |
| Sale, conversion, retirement of capital stock, net | $-53,000 | 11,332 |
| Net operating income | $332,000 | 8,083 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,765,000 | 7,243 |
| Total interest expense | $2,055,000 | 6,348 |
| Net interest income | $1,710,000 | 7,990 |
| Provision for loan and lease losses | $39,000 | 6,693 |
| Total noninterest income | $126,000 | 9,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 7,786 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,525 |
| Total noninterest expense | $1,176,000 | 8,290 |
| Salaries and employee benefits | $527,000 | 8,880 |
| Premises and equipment expense | $208,000 | 7,042 |
| Additional noninterest expense | $441,000 | 7,787 |
| Pre-tax net operating income | $621,000 | 7,765 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $218,000 | 7,121 |
| Income before extraordinary items | $403,000 | 8,042 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $403,000 | 8,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $140,000 | 6,201 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 626 |
| Net operating income | $403,000 | 8,006 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,004,000 | 8,031 |
| Total interest expense | $1,441,000 | 7,072 |
| Net interest income | $1,563,000 | 8,690 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $91,000 | 10,969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $1,132,000 | 8,868 |
| Salaries and employee benefits | $484,000 | 9,538 |
| Premises and equipment expense | $198,000 | 7,470 |
| Additional noninterest expense | $450,000 | 8,314 |
| Pre-tax net operating income | $482,000 | 8,782 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $157,000 | 8,162 |
| Income before extraordinary items | $325,000 | 8,874 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $325,000 | 8,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $88,000 | 7,176 |
| Sale, conversion, retirement of capital stock, net | $141,000 | 750 |
| Net operating income | $325,000 | 8,922 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,583,000 | 9,036 |
| Total interest expense | $1,214,000 | 8,198 |
| Net interest income | $1,369,000 | 9,510 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $79,000 | 11,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $996,000 | 9,740 |
| Salaries and employee benefits | $436,000 | 10,283 |
| Premises and equipment expense | $181,000 | 8,115 |
| Additional noninterest expense | $379,000 | 9,492 |
| Pre-tax net operating income | $402,000 | 9,396 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $87,000 | 10,051 |
| Income before extraordinary items | $315,000 | 9,302 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $315,000 | 9,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $24,000 | 8,604 |
| Sale, conversion, retirement of capital stock, net | $696,000 | 539 |
| Net operating income | $315,000 | 9,049 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,569,000 | 9,778 |
| Total interest expense | $1,349,000 | 9,032 |
| Net interest income | $1,220,000 | 10,258 |
| Provision for loan and lease losses | $68,000 | 8,314 |
| Total noninterest income | $64,000 | 12,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 10,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 13,144 |
| Total noninterest expense | $905,000 | 10,450 |
| Salaries and employee benefits | $377,000 | 11,128 |
| Premises and equipment expense | $170,000 | 8,562 |
| Additional noninterest expense | $358,000 | 10,091 |
| Pre-tax net operating income | $311,000 | 10,029 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $114,000 | 9,543 |
| Income before extraordinary items | $197,000 | 10,636 |
| Extraordinary gains, net | $105,000 | 724 |
| Net income | $302,000 | 9,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $655,000 | 499 |
| Net operating income | $197,000 | 10,303 |
* 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.