Home > The North Cincinnati Savings Bank, Inc. > Income and Expense
The North Cincinnati Savings Bank, Inc., Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,340,000 | 6,350 |
| Total interest expense | $2,946,000 | 4,797 |
| Net interest income | $1,394,000 | 8,255 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $26,000 | 10,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 9,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,798 |
| Total noninterest expense | $1,169,000 | 7,784 |
| Salaries and employee benefits | $457,000 | 8,906 |
| Premises and equipment expense | $236,000 | 6,266 |
| Additional noninterest expense | $476,000 | 6,711 |
| Pre-tax net operating income | $251,000 | 9,287 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $13,000 | 9,855 |
| Income before extraordinary items | $250,000 | 8,754 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $250,000 | 8,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $238,600 | 8,812 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,085,000 | 6,781 |
| Total interest expense | $2,786,000 | 5,096 |
| Net interest income | $1,299,000 | 8,776 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $63,000 | 10,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 9,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,550 |
| Total noninterest expense | $1,606,000 | 6,827 |
| Salaries and employee benefits | $567,000 | 8,350 |
| Premises and equipment expense | $245,000 | 6,318 |
| Additional noninterest expense | $794,000 | 5,227 |
| Pre-tax net operating income | $-244,000 | 11,105 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-253,000 | 11,147 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-253,000 | 11,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $3,553,000 | 200 |
| Net operating income | $-244,000 | 11,107 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,787,000 | 7,220 |
| Total interest expense | $2,725,000 | 5,182 |
| Net interest income | $1,062,000 | 9,743 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $47,000 | 11,404 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 10,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,521 |
| Total noninterest expense | $1,382,000 | 7,641 |
| Salaries and employee benefits | $611,000 | 8,286 |
| Premises and equipment expense | $283,000 | 5,881 |
| Additional noninterest expense | $488,000 | 7,361 |
| Pre-tax net operating income | $-273,000 | 11,713 |
| Securities gains (losses) | $-270,000 | 11,737 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-543,000 | 11,807 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-543,000 | 11,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-273,000 | 11,709 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,449,000 | 7,410 |
| Total interest expense | $2,292,000 | 4,994 |
| Net interest income | $1,157,000 | 9,881 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $76,000 | 11,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 10,814 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $1,397,000 | 7,927 |
| Salaries and employee benefits | $660,000 | 8,199 |
| Premises and equipment expense | $289,000 | 5,879 |
| Additional noninterest expense | $448,000 | 8,335 |
| Pre-tax net operating income | $-164,000 | 12,241 |
| Securities gains (losses) | $-470,000 | 12,227 |
| Applicable income taxes | $-190,000 | 12,382 |
| Income before extraordinary items | $-444,000 | 12,338 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-444,000 | 12,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-115,000 | 12,187 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,708,000 | 7,250 |
| Total interest expense | $2,432,000 | 4,946 |
| Net interest income | $1,276,000 | 9,817 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $124,000 | 10,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 11,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 7,244 |
| Total noninterest expense | $1,291,000 | 8,545 |
| Salaries and employee benefits | $585,000 | 8,939 |
| Premises and equipment expense | $302,000 | 5,819 |
| Additional noninterest expense | $404,000 | 9,230 |
| Pre-tax net operating income | $109,000 | 11,801 |
| Securities gains (losses) | $175,000 | 1,831 |
| Applicable income taxes | $85,000 | 10,101 |
| Income before extraordinary items | $199,000 | 10,670 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $199,000 | 10,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $76,500 | 11,870 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,629,000 | 6,745 |
| Total interest expense | $2,963,000 | 5,219 |
| Net interest income | $1,666,000 | 8,761 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $401,000 | 6,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $401,000 | 3,708 |
| Total noninterest expense | $1,501,000 | 7,910 |
| Salaries and employee benefits | $696,000 | 8,019 |
| Premises and equipment expense | $364,000 | 5,189 |
| Additional noninterest expense | $441,000 | 9,086 |
| Pre-tax net operating income | $566,000 | 7,948 |
| Securities gains (losses) | $-4,000 | 13,019 |
| Applicable income taxes | $156,000 | 8,466 |
| Income before extraordinary items | $406,000 | 8,155 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $406,000 | 8,282 |
| 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 | $0 | 1,165 |
| Net operating income | $408,880 | 7,774 |
* 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.