Home > The Montclair Savings Bank > Income and Expense
The Montclair Savings Bank, Income and Expense
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $44,856,000 | 855 |
| Total interest expense | $24,434,000 | 769 |
| Net interest income | $20,422,000 | 922 |
| Provision for loan and lease losses | $2,400,000 | 1,002 |
| Total noninterest income | $639,000 | 4,735 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $433,000 | 3,235 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $206,000 | 5,582 |
| Total noninterest expense | $12,244,000 | 1,302 |
| Salaries and employee benefits | $5,313,000 | 1,268 |
| Premises and equipment expense | $1,432,000 | 1,492 |
| Additional noninterest expense | $5,499,000 | 1,212 |
| Pre-tax net operating income | $6,417,000 | 1,009 |
| Securities gains (losses) | $65,000 | 3,702 |
| Applicable income taxes | $2,906,000 | 807 |
| Income before extraordinary items | $3,576,000 | 1,305 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,576,000 | 1,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,092,000 | 1,481 |
| Cash dividends | $1,428,000 | 1,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,534,400 | 1,222 |
* 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.